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Consultation on guides concerning the assessment of licence applications and fintech credit institution licence applications

This consultation gives interested parties the opportunity to comment on a guide to general credit institution licensing assessments and a guide to assessments of fintech credit institution licence applications.

Deadline for submitting comments: midnight CET on 2 November 2017.

Only comments received before this deadline will be considered.

ECB guide to assessments of licence applications and ECB guide to assessments of fintech credit institution licence applications

The ECB consults on a guide to assessments of licence applications and a guide to assessments of fintech credit institution licence applications. The first guide sets out the general process and requirements for assessing banking licence applications. The second document is directed at entities with a fintech business model that are considering applying for a banking licence. Both guides are aimed at making the application process more transparent and helping the applicants in their preparations.

Submitting comments

Submit your comments by midnight CET on 2 November 2017 using these templates:

Public consultation templates

Please provide relevant examples or data where appropriate.

Only comments received before this deadline will be considered.


Submitting comments by email:

Send your comments to: SSMPublicConsultation@ecb.europa.eu

Please put “Consultation on the draft guides concerning the assessment of licence applications and fintech credit institution licence applications".


Submitting comments by post:

Send your comments to the following address:

European Central Bank
Secretariat to the Supervisory Board
“Consultation on the draft guides concerning the assessment of licence applications and fintech credit institution licence applications”
60640 Frankfurt am Main
Germany


Publication of comments

After the consultation period closes, all comments will be published on this web page along with a feedback statement. For details on how your personal data and contribution will be handled, please see this privacy statement:

Privacy statement

Public hearing

The ECB will hold a public hearing on 26 October 2017, at 17:00 CET, at its premises in Frankfurt am Main.

The event will comprise a presentation followed by a question and answer session in English.

How to attend

Please register your expression of interest in attending the hearing by 18 October 2017 using this form.


For space reasons, attendance will be limited to a maximum of five persons per institution or company, subject to availability.

The deadline for registration is 18 October 2017.

If it is possible to accommodate your request, you will receive an email confirming your registration.

On the day of the hearing, access will only be granted to participants who present their registration confirmation email and a valid identification document, such as a passport or ID card (a driver’s licence will not be accepted).

Webcast

Documents
23/3/2018

Press release

Guide to assessments of licence applications

Guide to assessments of fintech credit institution licence applications

Feedback statement

Comments received

21/9/2017

Draft guide to assessments of credit institution licensing applications

Draft guide on the supervisory assessment for the licensing of fintech credit institutions

Frequently asked questions

Reference documents

21/9/2017

Press release

14/03/2016

ECB Regulation on options and discretions available in Union law

16/04/2014

SSM Framework Regulation

15/10/2013

SSM Regulation

26/06/2013

Regulation on prudential requirements for credit institutions and investment firms (CRR)

26/06/2013

Directive on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms (CRD IV)