The crisis aftermath: new regulatory paradigms (Centre for Economic Policy Research 2012).12 The term 'significant' is defined further in section III. 13 Commission, 'Proposal of 20 July 2011 for a Directive of the European Parliament and of the Council on the access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms and amending Dir 2002/87/EC of the European Parliament and of the Council on the supplementary supervision of credit institutions, insurance undertakings and investment firms in a financial conglomerate' COM(2011) 453 final, 8 (after 'Proposal CRD IV').14 John Armour and others, Principles of Financial Regulation (Oxford, OUP, 2016) 433. 15 The rules in CRD IV also apply to certain types of investment firms as defined by MiFID, see further section III.
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