eba.europa.eu/sites/default/files/2026-02/36c98e00-5648-4319-98a2-7593b7201ddc/Discussion%20paper%20on%20simplification%20and%20assessment%20of%20the%20credit%20risk%20framework.pdf
EBA/DP/2026/01
Referral from Article 164 CRR