Judgment of the Court (Ninth Chamber) of 12 March 2026.#Federazione Italiana delle Banche di Credito Cooperativo e Casse Rurali (Federcasse) and Others v European Commission.#Appeal – Economic and monetary policy – Activities of credit institutions – Deposit guarantee schemes (DGSs) – Directive 2014/49/EU – Article 10(6) – Reduction of the target level of contributions to DGSs – Conditions – Application for authorisation to reduce the target level of a DGS – Letter from the European Commissioner for Financial Services, Financial Stability and Capital Markets Union stating that the conditions are not satisfied – Concept of ‘act open to challenge’ – Action for annulment.#Case C-863/24 P.