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HOME »OUR WORK »GOVERNMENT AND POLICY »REGULATION CENTER »Microfinance & Banking Laws/Regulations


	Category Overview Regulators Microfinance & Banking Laws/Regulations Branchless Banking Laws/Regulations Consumer Protection Laws/Regulations Recommended Reading

Microfinance & Banking Laws\/Regulations

Armenia


Law on Banks and Banking of 1996 (amended through 2007)
Law on the Central Bank of Armenia of 1996 (amended through 2007)
Law on Credit Organizations of 2002 (amended through 2007)
Law on Limited Liability Companies (enacted in 2001)
Law on Joint Stock Companies (enacted in 2001)
Law on Unified Financial Regulation and Supervision Framework (enacted in 2005)
Law on Consumer Credit (enacted in 2008) (Armenian)
Regulation 13 (Technical Adequacy Requirements for Credit Organizations) (enacted in 2008) (Armenian)
Regulation 2 (Prudential Standards for Banking) of 2007 (amended through 2010) (Armenian)
Regulation 14 (Prudential Standards for Activities of Credit Organizations) of 2002 (amended through 2008)

Last Updated:

December 2011

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Azerbaijan


Law of the Azerbaijan Republic on Banks (amended through 2008)
Law of the Republic of Azerbaijan on the National Bank of the Republic of Azerbaijan (enacted in 2004)
Law on Non-Bank Credit Institutions (enacted in 2009)
Law of the Republic of Azerbaijan about Credit Unions (amended through 2001)
Civil Code of Azerbaijan (enacted in 2000)
Republic of Azerbaijan Law on Deposit Insurance (amended through 2007)

Last Updated:

November 2011

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Bangladesh


Banking Companies Act No. 14 (enacted in 1991)
Banking Companies (Amendment) Act No. 13 (enacted in 1993)
Banking Companies (Amendment) Act No. 25 (enacted in 1995)
Bangladesh Bank Order No. 127 of 1972 (amended through 2003)
Microcredit Regulatory Authority Act (enacted in 2006)
Societies Registration Act of 1860 (amended through 1978)
Trusts Act of 1882 (amended through 2000)
Voluntary Social Welfare Agencies (Registration and Control) Ordinance No. XLVI of 1961 (amended through 1973)
Companies Act No. 18 (enacted in 1994)
Prudential Regulations for Banks (amended through 2009)
Grameen Bank Ordinance No. XLVI of 1983 (amended through 2008)
Guidelines on Interest Rate/Service Charge of Microcredit (enacted in 2010)

Last Updated:

September 2011

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Bolivia

Banking and Microfinance
Law No. 1488 of 1993 on Banks and Financial Entities (amended through 2008) (Spanish)
Law No. 1670 on the Central Bank of Bolivia (enacted in 1995) (Spanish)
Law No. 2297 of 2001 on Strengthening of Financial Regulations and Supervision (enacted in 2001) (Spanish)
Supreme Decree No. 24000 (on Private Financial Funds) (enacted in 1995)
Regulation and Supervision of Microfinance Institutions in Bolivia (Spanish)

Cooperatives
General Cooperative Societies Law (enacted in 1958) (Spanish)
Supreme Decree No. 24439 (governing the operation of credit cooperatives in Bolivia) (enacted in 1996) (Spanish)

NGOs
Resolution 143-91 (requirements for international NGOs) (enacted in 1991) (Spanish)
Supreme Decree No. 22409 (creating a national registry for NGOs) (enacted in 1990) (Spanish)
Supreme Decree No. 26140 (governing NGOs working with indigenous groups and peasant farmers) (enacted in 2001) (Spanish)
Supreme Decree No. 26973 (regulations under Law 2446 regarding the organization of the executive power) (enacted in 2003) (Spanish)

Last Updated:

October 2009

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Bosnia and Herzegovina

Bosnia and Herzegovina
Law on the Central Bank of Bosnia and Herzegovina of 1997 (amended through 2006)

Federation of Bosnia and Herzegovina
Law on Banks for the Federation of Bosnia and Herzegovina of 1998 (amended through 2003)
Law on the Banking Agency for the Federation of Bosnia and Herzegovina of 1996 (amended through 2006)
Law on Microcredit Organizations of the Federation of Bosnia and Herzegovina (enacted in 2006)
Decree on Other General Requirements for Business Operations of a Microcredit Organization (enacted in 2007)
Decree on the Supervision of Microcredit Organization Business Operations (enacted in 2007)
Decree on Requirements and the Procedure for Issuing and Revoking the Operating Permit (enacted in 2007)
Decree on Requirements and the Procedure for Issuing the Operating Permit to a Microcredit Foundation Formed Upon the Microcredit Organization's Change of Form (enacted in 2007)
Decree on Requirements and the Procedure for Issuing the Operating Permit and Approvals for Acquiring the Ownership Shares (enacted in 2007)
Decree on Percentage and Manner for Forming and Maintaining Reserves for the Coverage of Loan Losses (enacted in 2007)
Decree on Uniform Method of Calculation and Disclosure of the Effective Interest Rate on Loan and Deposits (enacted in 2007)

Republic Srpska
Law on Banks for the Republic Srpska (enacted in 2003)
Law on the Banking Agency of the Republic Srpska of 1998 (enacted in 2003)
Law on Microcredit Organizations of the Republic Srpska (enacted in 2006)
Decision on Terms and Procedure for Issuing Permits for Conducting Micro Crediting Activities (enacted in 2006)
Decision on Procedure of Revoking Work Permit of Micro Credit Organisations (enacted in 2006)
Decision on Amount and Way of Forming Reserves for Covering Loan Losses in Micro Credit Organisations (enacted in 2006)
Decision on Unified Way of Calculating and Expressing Effective Interest Rate to Loans (enacted in 2006)

Last Updated:

November 2009

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Brazil

Banking and Microfinance
Financial System Law No. 4595 of 1964 (amended through 2009) (Portuguese)
Law No. 10735 (on microcredit) (enacted in 2003) (Portuguese)
Law No. 6404 of 1976 (on companies) (amended through 2008) (Portuguese)
Resolution 3422 (on microfinance) (enacted in 2006) (Portuguese)
Resolution 3158 (on financial institutions) (enacted in 2003) (Portuguese)
Resolution 3041 of 2002 (on financial institutions) (amended through 2003)
Resolution 3211 (on the opening and maintenance of accounts) (English) (enacted in 2004)

Cooperative Societies
Law No. 5764 of 1971 (on cooperative societies) (amended through 2009) (Portuguese)
Law No. 130 (on the regulation of cooperative societies) (enacted in 2009) (Portuguese)
Resolution 3442 (on the functioning of credit cooperatives) (enacted in 2007) (Portuguese)
Resolution 2788 (on central credit cooperatives) (enacted in 2000) (Portuguese)
Resolution 2554 (on internal controls for credit cooperatives) (enacted in 1998) (Portuguese)

NGOs
Law No. 9790 (on the classification of public interest organizations (OSCIPs)) (enacted in 1999) (Portuguese)
Decree 3100 (regulating Law 9790 of 1999) (enacted in 1999) (Portuguese)
Regulation 361 by the Ministry of Justice (on OSCIPs) (enacted in 1999) (Portuguese)

Non-Bank Financial Institutions
Law No. 11524 of 2007 (on microfinance) (amended through 2009) (Portuguese)
Law No. 11110 (on microfinance) (enacted in 2005) (Portuguese)
Law No. 10194 of 2001 (on microcredit societies) (amended through 2007) (Portuguese)
Circular 3182 (on microcredit societies) (enacted in 2003) (Portuguese)
Circular 2964 (on microcredit societies) (enacted in 2000) (Portuguese)
Resolution 3567 (on microcredit societies) (enacted in 2008) (Portuguese)

Last Updated:

February 2010

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