Slovenia: fintech & payments regulation

Who regulates

• Banka Slovenije

  Primary supervisor for banking, payment services, credit intermediation, and financial holding companies

  ^{[1][2][3][4][5][6][7][8][9][10][11][12][13][14][15]}

Core laws & rules

• Banking Act (Not specified in documents (referenced as 'Banking Act'))

  Establishes the legal framework for banking and financial services licenses, status transformations, and qualifying holdings assessment.

  ^[3][4][13]

• Payment Services Directive 2 (PSD2) (2015 (EU Directive))

  Implemented via national regulations governing complaint procedures and payment service infringements.

  ^[15]

• Consumer Credit Act (Not specified in documents (referenced as 'Consumer Credit Act'))

  Governs consumer lending services, financial leasing, and credit intermediation, including fee structures and authorization.

  ^{[8][7][11][12]}

• Directive (EU) 2021/2167 (2021)

  Establishes rules for credit servicers, requiring national registers and supervision by Banka Slovenije.

  ^[1]

Licensing & registration

• Credit Institution / Banking License

  Requires authorization under the Banking Act and EBA guidelines, with specific documentation for capital adequacy and governance.

  ^[4][6]

• Consumer Credit Intermediation

  Requires authorization for intermediaries handling consumer credit for immovable property, with strict organizational and qualification requirements.

  ^[7][11][12]

• Credit Servicer

  Requires registration on a national list maintained by Banka Slovenije in accordance with Directive (EU) 2021/2167.

  ^[1]

Restrictions & warnings

• Third-country banks must submit comprehensive documentation on governance and risk management to establish branches.

  ^[9]

• Acquisition of qualifying holdings in banks requires prudential assessment of reputation and financial soundness.

  ^[13][14]

Direction of travel

• Regulatory direction emphasizes alignment with EBA guidelines on credit servicers, credit institution authorization, and payment service complaints.

  ^[1][6][15]

Sources

1. Decision on the Application of Guidelines on the Establishment and Maintenance of National Lists or Registers of Credit Servicers under Directive (EU) 2021/2167 · 2024-07-26
2. Regulation on Fees for Decision-Making Procedures and Annual Supervision Fees by the Bank of Slovenia · 2024-05-31
3. Decision on Documentation for Issuing Permits for Status Transformations · 2023-05-15
4. Decision on Documentation for Issuing Licences for Banking and Financial Services · 2023-05-15
5. Regulation on Documentation for Approval or Exemption of Financial Holding Companies · 2022-07-08
6. Regulation on the Application of EBA Guidelines for Credit Institution Authorisation under Article 8(5) of Directive 2013/36/EU · 2022-05-03
7. Regulation on Conditions for Consumer Credit Intermediation for Immovable Property or Advisory Services · 2020-02-19
8. Regulation on Annual Fees for Supervision and Fees for Decision-Making Procedures by the Bank of Slovenia under the Consumer Credit Act · 2020-02-19
9. Regulation on Documentation for Authorising a Third-Country Bank Branch · 2020-02-19
10. Regulation on the Application of Guidelines on Passport Notifications for Credit Intermediaries under the Mortgage Credit Directive · 2020-02-19
11. Regulation on the Conditions for Providing Consumer Lending Services for Immovable Property · 2020-02-19
12. Regulation on the Conditions for Consumer Credit Intermediation Applying to Bank Credit Intermediaries · 2020-02-19
13. Regulation on Holders of Qualifying Holdings in Banks and Savings Banks · 2020-02-19
14. Regulation on the application of the Joint Guidelines on the prudential assessment of acquisitions and increases of qualifying holdings in the financial sector · 2020-02-19
15. Bank of Slovenia Regulation on Application of EBA Guidelines on Complaint Procedures for PSD2 Infringements · 2019-04-29