The year 2008 has shown how an insolvent, systemically important bank can seize an entire industry into the abyss. The presented “Bank Restructuring Act” is designed to help you fight this domino effect in the future more effectively. The draft bill provides that the state reorganize in a crisis a systemically important bank at an early stage and in the worst-case lead to an orderly bankruptcy. Another positive is that this already can intervene early and systemically important parts of the property can be transferred to a “bridge bank”. This should lead to a much lower cost to the taxpayer, as was the case previously. What is missing is a clear definition of “systemic importance”. The second part of the Act provides for a restructuring fund.