1.

Crowdfunding service providers shall, at all times, have in place prudential safeguards equal to an amount of at least the higher of the following: EUR 25000; and one quarter of the fixed overheads of the preceding year, reviewed annually, which are to include the cost of servicing loans for three months where the crowdfunding service provider also facilitates the granting of loans.

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Source: EUR-Lex (Cellar) · retrieved 2026-10-12 · Text as adopted (Official Journal); later amendments are not incorporated in this text.