The article discusses how the global financial crisis in 2007 led to changes in banking regulations worldwide. New rules, like Basel III, were introduced to make banks safer and prevent risky behavior. These changes include different types of capital buffers to protect against financial shocks. Europe also created new institutions to supervise banks more closely. Romania, even though not part of the Eurozone, adapted its banking regulations to align with European standards. Overall, the goal is to ensure the stability of the financial system and prevent future crises.