FIN-FSA regulations and guidelines

Commencement of activities

• Payment institutions and persons offering payment services without a license
• Consumer credit providers and peer-to-peer lending intermediaries

Organisation of supervised entities’ operations

• Organization of investment fund activities and procedures
• Outsourcing in supervised entities belonging to the financial sector
• Reporting of mortgage bank operations
• Alternative Investment Fund Managers (AIFMs)
• Organization of investment services activities and procedures

Preventing Money Laundering and Terrorist Financing

• Customer due diligence related to compliance with sanctions regulation and national freezing orders

Risk management

• Risk reporting by credit institutions
• Reporting of funding plans
• Management of operational risk in supervised entities of the financial sector
• Management of credit risk and assessment of creditworthiness by supervised entities in the financial sector
• Risk management concerning mortgage bank operations

Accounting, financial statements and management report

• Regulations and guidelines on accounting, financial statements, and management reports: Insurance companies, occupational pension insurance companies, insurance associations, insurance holding companies, branches of third-country insurance companies, and pension institutions established by law
• Regulations and guidelines on accounting, financial statements, and management reports: Pension funds and pension foundations
• Regulations on accounting, financial statements, and management reports: Sickness funds and funeral and severance allowance funds

Financial sector regulations and guidelines on reporting of financial information (FINREP)

• Accounting, financial statements, and management report of the financial sector

Capital adequacy

• Common European Reporting (COREP)
• Regulations and Guidelines related to the Capital Requirements Regulation
• Prudential reporting for investment firms (IF)

Conduct of Business

• Methods used to calculate the maximum compensation charged for early repayment of housing loans
• Disclosure of expenses and returns of long-term savings agreements and insurance policies
• Calculation of maximum loan-to-value ratio
• Procedures to be followed in banking services
• Management of default risks in consumer lending

Operations of securities markets

• Takeover bid and the obligation to launch a bid
• Public insider register of market participants, occupational pension insurance companies, and fund management companies
• Trading parties from third countries
• Regulations and guidelines on disclosure obligation

Insurance operations