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Risk culture

The development and promotion of an appropriate risk culture is a primary task of the management of any company. For financial institutions, it is particularly important. For this reason, the European legislators require EU Member States to introduce principles and standards to ensure effective oversight of risks by the management bodies of credit institutions and investment firms. More : Risk culture

EEA service providers

The Insurance Contract Act requires any person resident in Germany to take out and maintain health insurance cover. As a general principle, insurance contracts can also be taken out with an insurer domiciled in another country of the European Union or the European Economic Area. However, the insurance policy has to meet certain requirements. More : EEA service providers

Money Laundering

After more than two years of negotiations, the European legislature has concluded its work on the Fourth Money Laundering Directive and the revised Funds Transfers Regulation. The Member States now have two years' time to transpose the new aspects of the Directive into national law. More : Money Laundering

BaFin Annual Report 2014

BaFin has published its Annual Report 2014 on 12 May 2015. An English version is now available. More : BaFin Annual Report 2014

Administrative fines

BaFin is in principle required to publish final and absolute measures and administrative fine decisions on its website. By their very nature, the publication encroaches on the rights of the companies and persons involved, and potentially of third parties as well. The Higher Regional Court in Düsseldorf last year reached an important decision in this connection. More : Administrative fines

Supervision

Aufsicht

Here you will find topics such as the authorisation of banks and insurance undertakings, risk management or bans on short selling as well as information on investments, prospectuses, capital requirements and anti-money laundering.

International

Internationales

Find out here about the European supervisory structure, international regulation through Solvency II and Basel III, the stress tests and surveys carried out at the EU level and BaFin’s global and bilateral cooperation activities.

International bodies

Consumers

Verbraucher

We answer frequently asked questions and provide you with information on key consumer issues such as investment here. You will also find details of who to complain to and contacts if you are having problems with a company or undertaking.

BaFin

Die BaFin

If you have any questions about BaFin itself, you can find out here about the functions and history of BaFin, how it is funded, job vacancies and media contacts. You will also find further details on the executive and staff.