De or het malusregeling?

The correct Dutch article is:

de malusregeling

Rule Words ending in -ing: almost always de. See the rule

How to use malusregeling

the malusregelingde malusregeling
this malusregelingdeze malusregeling
that malusregelingdie malusregeling
our malusregelingonze malusregeling
your malusregelingjouw malusregeling
every malusregelingelke malusregeling
which malusregeling?welke malusregeling?
a big malusregeling / the big malusregelingeen grote malusregeling, de grote malusregeling