CHAPTER IV - Organisational principles (Article 19-31)Article 19 - Independence Article 20 - Accountability and reporting Article 21 - National parliaments Article 22 - Due process for adopting supervisory decisions Article 23 - Reporting of violations Article 24 - Administrative Board of Review Article 25 - Separation from monetary policy function Article 26 - Supervisory board Article 27 - Professional secrecy and exchange of information Article 28 - ResourcesArticle 29 - Budget and annual accountsArticle 30 - Supervisory fees Article 31 - Staff and staff exchange