Law and Regulations
The legal framework in The Netherlands for banks is predominantly provided by the Dutch Financial Supervision Act (Wet op het financieel toezicht, WFT).
The Capital Requirements Directive IV (2013/36/EU) (CRD IV) has directly been implemented into the WFT.
Additional rules have been laid down in a number of orders in council (Algemene Maatregel van Bestuur) and in various ministerial regulations (ministeriële regeling). The Dutch Authority for the Financial Markets (AFM) and the Dutch Central Bank (DNB) have also issued supervisory and policy rules.
Further, various directly applicable EU regulations, such as the Capital Requirements Regulation (575/2013) (CRR) are part of this legal framework.
The leading financial regulators are listed below.
Parties you need to know
De Nederlandsche Bank (DNB)
The Dutch Central Bank
Autoriteit Financiele markten (AFM)
The Dutch Authority for Financial Markets
Autoriteit Consument en Markt (ACM)
The Netherlands Authority for Consumers and Markets
Autoriteit Persoonsgegevens (AP)
The Dutch Data Protection Authority
(FIU) Financial Intelligence Unit
The government agency dealing with a.o. Money Laundering and terrorism finance
Bureau Financieel Toezicht (BFT)
The Financial Supervision Office
Banking Regulations in the Netherlands
Dutch Civil Law
Financial services regulation in the Netherlands in English
The Innovation hub and regulatory sandbox
By the AFM and DNB