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On 29 January 2014 the EU published a proposal for legislation which would impose structural changes on the EU’s banking sector. This is not the only legislation with such an objective. Since the financial crisis, a number of jurisdictions, including the United States, the United Kingdom, France and Germany, have introduced legislation to separate retail and commercial banking from wholesale and investment banking in an attempt to re-structure banks that have been called "too big to fail," "too big to save" and "too complex to manage or supervise".

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