The paper offers a critical assessment of the financial reforms adopted or proposed at the European level. The reshaping of the EU institutional architecture and the adoption of the new Basel 3 rules should reduce the national margins of discretion that have up to now characterised supervisory practices. often leading to light touch supervision. and restrain the growth of bankarisation. https://www.bekindtopets.com/hot-mega-Swish-Supreme-Glide-Track-White-great-pick/