Responsible supervisor for fit and proper assessments

Factsheet

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The assessments are performed by DNB or the AFM depending on the type of institution.

Published: 02 February 2026

Candidates are assessed by DNB if their proposed position is with one of the following institutions:

Bank

Central clearing counterparty

Clearing institution

Credit union

Dispensation holder (Section 3:5 of the Wft), such as a credit union as meant in Section 1:1 of the Wft

Electronic money institution

Exchange institution

Financial holding company

Financial institution

Funeral expenses and benefits in kind insurer

General pension fund

Insurance holding company

Insurer

Investment holdings

Life insurer

Issuer asset-referenced tokens

Mixed financial holding company

Non-life insurer

Occupational pension fund

Payment institution

Payment processing service provider

Pension fund

Premium pension institution

Reinsurer

Small-scale mutual association

Special purpose reinsurance vehicle

Trust office

Ultimate beneficial owner

Candidates are assessed by the AFM if their proposed position is with one of the following institutions:

Audit firms

Central securities depositories

Crypto asset service providers

Custodians

Financial service providers

Investment companies

Investment firms

Investment fund managers

Pension custodians, market operators

Third-country accounting

UCITS custodians

UCITS managers

Undertakings for collective investment in transferable securities (UCITS)

DNB and the AFM work closely together on the assessments, but form their opinions independently. If either authority arrives at a negative opinion, both institution and candidate will receive a provisional negative decision. Both the institution and the candidate may present their views in response to a provisional decision.

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