Since Art. 418(3)(a) ensures that only those assets can be recognized under the LCR which have been identified as liquid assets by means of a look-through-approach, the Commission proposal on Art. 416(5) can be considered unproportionate for smaller institutions which would have to achieve a return and regulatory recognition by one and the same CIU.
Ker člen 418(3)(a) zagotavlja, da se lahko za zahtevo likvidnostnega kritja priznajo samo tista sredstva, ki so bila s pristopom vpogleda opredeljena kot likvidna sredstva, se lahko predlog Komisije o členu 416(5) šteje za nesorazmernega za manjše institucije, ki bi morale doseči donos in regulativno priznanje enega in istega KNP.