Financial stability is, in addition to developments in the financial system itself, influenced by numerous other factors and, together with the CNB, other institutions. For these reasons, the regulations that may directly or indirectly relate to financial stability are not only the acts and decisions adopted by the CNB. The most important acts related to financial stability and the central bank are the Act on the CNB, which explicitly entrusts the central bank with responsibility for maintaining financial stability, the Credit Institutions Act, which regulates the most important segment of the domestic financial system within the CNB's competence, and the Act on the Financial Stability Council, which provides for CNB's cooperation with other institutions whose activities may influence financial stability: the Croatian Financial Services Supervisory Agency (HANFA), the Ministry of Finance and the State Agency for Deposit Insurance and Bank Resolution. In addition to the above acts, particularly important for the maintenance of financial stability, especially in crisis situations, are the Deposit Guarentee Scheme Act and the Act on the Resolution of Credit Institutions and Investment Firms.
The domestic institutional framework for macroprudential policy implementation is harmonised with the regulations of the European Union. Regulation (EU) No 575/2013 of the European Parliament and of the Council on prudential requirements for credit institutions and investment firms (CRR), amended with the version in application since June 28th 2021. (CRR 2), is directly applicable in the Republic of Croatia and Directive 2013/36/EU of the European Parliament and of the Council on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms (CRD4), amended with the version in application since December 29th 2020. (CRD 5), that has been transposed into the Credit Institutions Act.