Amending Directive 2014/49/EU as regards the scope of deposit protection, use of deposit guarantee schemes funds, cross-border cooperation, and transparency
A proposed EU law. Parliament and the Council must agree on the same text: Parliament adopts its position, then negotiates with the Council.
Where it stands: Completed: published in the Official Journal on 20 April 2026 and now EU law.
- ✓ Referred to committee 12 March 2026
- ✓ Committee work Report adopted 18 March 2026
- ✓ Tabled for plenary 19 March 2026
- ✓ Plenary vote Voted 26 March 2026
- ✓ Negotiations with the Council Deal approved in committee 5 November 2025
- ✓ Published as law 20 April 2026
How a file moves through Parliament
A file is referred to one lead committee (others may give an opinion). Its rapporteur writes a draft report, committee members table amendments, and the committee votes to adopt the report. The report is then tabled for all MEPs; political groups can table further amendments, which are voted on before the final vote in plenary. For a law, Parliament’s adopted text is its first-reading position; Parliament and the Council then negotiate a common text (trilogues) which both must approve before it is published as law.
Who is working on it
- Lead committee
- ECON — Economic and Monetary Affairs
- Rapporteur
- Kira Marie PETER-HANSEN Verts/ALE
- Shadow rapporteurs
- MEP #124780 IDLuděk NIEDERMAYER PPEIrene TINAGLI S&DMEP #197634 S&DAuke ZIJLSTRA PfERoberts ZĪLE ECRGilles BOYER RenewMartin SCHIRDEWAN The LeftAlexander JUNGBLUTH ESN
- For opinion
- JURI — Legal Affairs IMCO — Internal Market and Consumer Protection
The rapporteur drafts and negotiates the text for the lead committee; each other political group names a shadow rapporteur to follow the file.
The text, version by version
Newest version first. Open a version to read it in full. “What changed” shows the differences paragraph by paragraph; ✦ lines are AI-written from the texts themselves.
Timeline
- Outcome
- 20 April 2026 Published in the Official Journal
The act is now EU law.
- 30 March 2026 Signed by the Presidents of Parliament and the Council
The last step before the act is published in the Official Journal.
- Plenary stage
- 26 March 2026 Plenary vote
- 25 March 2026 Debated in plenary
MEPs debated the text in the chamber ahead of the vote.
- 19 March 2026 Report tabled for plenary
This is the text all MEPs vote on. Political groups can still table amendments to it.
- Committee stage
- 18 March 2026 Committee vote: report adopted
ECON (Economic and Monetary Affairs) voted on the amendments and adopted the report that goes to plenary.
- 12 March 2026 Referred to the ECON (Economic and Monetary Affairs) committee
The lead committee prepares the report; JURI (Legal Affairs), IMCO (Internal Market and Consumer Protection) give an opinion.
- 10 March 2026 Draft report published
The rapporteur’s first text in ECON (Economic and Monetary Affairs). Members can table amendments before the committee votes.
- Negotiations with the Council
- 5 November 2025 Committee approved the deal reached with the Council
The provisional agreement from the trilogues goes to the whole Parliament for a vote.
- 25 June 2025 Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
- 5 June 2025 Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
- 22 May 2025 Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
- 28 April 2025 Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
- 25 March 2025 Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
- 12 March 2025 Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
- 4 February 2025 Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
- 14 January 2025 Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
- 17 December 2024 Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
- Plenary stage
- 24 April 2024 Plenary voteAdopted Adopted by a clear majorityFor 385 Against 180 Abstained 56
Final vote at 13:48 · 62% of votes cast in favour · every MEP’s position →
Show all 12 ballots in voting order
1. Amendment by the committee responsibleAdoptedA vote by raised hands. Only the outcome is recorded, not who voted how. — no individual positions recorded2. Separate vote on Article 1, paragraph 1, point 12; Directive 2014/49/EU; Article 11, after paragraph 3Rejectedelectronic vote (totals only) — no individual positions recorded3. Separate vote on Article 1, paragraph 1, point 12; Directive 2014/49/EU; Article 11, after paragraph 5RejectedA vote by raised hands. Only the outcome is recorded, not who voted how. — no individual positions recorded4. Separate vote on Article 1, paragraph 1, point 13; Directive 2014/49/EU; Article 11a, paragraph 1, point faAdoptedelectronic vote (totals only) — no individual positions recorded5. Separate vote on Article 1, paragraph 1, point 13; Directive 2014/49/EU; Article 11a, paragraph 4aAdoptedelectronic vote (totals only) — no individual positions recorded6. Separate vote on Article 1, paragraph 1, point 13; Directive 2014/49/EU; Article 11e, paragraph 3RejectedA vote by raised hands. Only the outcome is recorded, not who voted how. — no individual positions recorded7. Separate vote on Article 1, paragraph 1, after point 13, Directive 2014/49/EU; after Article 11eRejectedA vote by raised hands. Only the outcome is recorded, not who voted how. — no individual positions recorded8. Separate vote on Article 2, paragraph 2Adoptedelectronic vote (totals only) — no individual positions recorded9. Separate vote on Article 2, paragraph 2Not put to a vote, because an earlier vote already settled the matter.A vote by raised hands. Only the outcome is recorded, not who voted how. — no individual positions recorded10. Separate vote on recital 45Adoptedelectronic vote (totals only) — no individual positions recorded11. Separate vote on recital 45Not put to a vote, because an earlier vote already settled the matter.A vote by raised hands. Only the outcome is recorded, not who voted how. — no individual positions recordedAdopted - 25 March 2024 Report tabled for plenary
This is the text all MEPs vote on. Political groups can still table amendments to it.
- Committee stage
- 20 March 2024 Committee vote: report adopted
ECON (Economic and Monetary Affairs) voted on the amendments and adopted the report that goes to plenary.
- 6 November 2023 Amendments tabled in committee
Members of ECON (Economic and Monetary Affairs) proposed changes to the draft.
- 3 October 2023 Draft report published
The rapporteur’s first text in ECON (Economic and Monetary Affairs). Members can table amendments before the committee votes.
- 10 July 2023 Referred to the ECON (Economic and Monetary Affairs) committee
The lead committee prepares the report; JURI (Legal Affairs), IMCO (Internal Market and Consumer Protection) give an opinion.