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State aid in financial services : An overview of EU and national case law

I. Introduction A. The "Temporary" state aid framework In 2008-2009, the Commission introduced a new, supposedly temporary State aid framework (the “Temporary Framework”) composed of several guidelines and based on Article 107(3)(b) of the Treaty on the Functioning of the European Union (“TFEU”). This provision, allowing State aid to remedy serious disturbances to a national economy, had been of little use before the financial crisis. Due to this drastic change of circumstance, the Temporary Framework set out the conditions under which the Commission would authorize future aid to ailing banks severely impacted by the crisis. Since then, the Commission has adopted more than 300 decisions authorizing aid to banks based on this Temporary Framework. By contrast, the Commission took only

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François-Charles Laprévote, State aid in financial services : An overview of EU and national case law, 15 juillet 2014, e-Competitions State aid in financial services, Art. N° 67707

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