Article 4 — National law and minimum harmonisation

1. Without prejudice to Article 10(3), Member States may adopt or maintain laws which provide for a greater level of protection for the general body of creditors than that provided for under Titles II and V. 2. Member States may adopt or maintain laws relating to the establishment, functioning, tasks and members of creditors’ committees which provide for a greater participation of creditors in insolvency proceedings than that provided for in Title VI. 3. Member States may adopt or maintain laws which facilitate access by insolvency practitioners to bank account information held in their bank account registers, beneficial ownership information and national registers and databases to a greater extent than the rules provided for in Title III. 4. Member States shall ensure that insolvent entrepreneurs or other natural persons who as equity holders are personally liable for the debts of a company with unlimited liability have access to a full discharge of debt in accordance with Directive (EU) 2019/1023 even in cases where no insolvency proceedings can be opened in accordance with national law with regard to the debtor on the ground that the debtor has no assets or its assets are not sufficient to cover the cost of the proceedings or the costs relating to the involvement of the insolvency practitioner. 5. Member States may adopt or maintain laws which establish simplified winding-up proceedings for microenterprises.