fails to comply with any of the requirements regarding the internal credit quality assessment, in infringement of Article 19 or 20;
mainníonn sé aon cheann de na ceanglais maidir leis an measúnú ar cháilíocht creidmheasa inmhéanach a chomhlíonadh, lena sáraítear Airteagal 19 nó Airteagal 20;