<_value> NADA Global Financial Inclusion and Consumer Protection Survey 2017 GFIPCS 2017 WLD_2016_GFICPS_v01_M Douglas Randall Oya Pinar Ardic Alper The material in this work is subject to copyright. NADA World Bank Group Swiss State Secretariat for Economic Affairs Douglas Randall The 2017 Global FICP Survey tracks the prevalence of key policy, legal, regulatory, and supervisory efforts to advance financial inclusion and financial consumer protection, including: national financial inclusion strategies, nonbank e-money issuers, agent-based delivery models, simplified customer due diligence, legal frameworks and institutional arrangements for financial consumer protection, disclosure and transparency, fair treatment of consumers, dispute resolution, and financial capability. Financial sector authorities in 124 jurisdictions responded to the 2017 Global FICP Survey. The survey covers regulated financial service providers offering retail credit, deposit, and/or payment products and services. The reporting period was from November 2016 to June 2017. Afghanistan Albania Angola Argentina Armenia Australia Austria Azerbaijan Bahamas, The Bahrain Belgium Bhutan Bolivia Bosnia and Herzegovina Botswana Brazil Bulgaria Burundi Cambodia Canada Cayman Islands Chile China Colombia Costa Rica Croatia Denmark Djibouti Dominican Republic Ecuador Egypt, Arab Rep. Estonia Eswatini Fiji Finland France Gambia, The Germany Greece Guatemala Guyana Haiti Honduras Hong Kong SAR, China Hungary India Indonesia Iran, Islamic Rep. Israel Italy Jamaica Japan Jordan Kazakhstan Kenya Korea, Rep. Kuwait Kyrgyz Republic Latvia Lebanon Lesotho Liberia Lithuania Luxembourg Malawi Malaysia Maldives Malta Mauritania Mauritius Mexico Moldova Montenegro Morocco Myanmar Namibia Netherlands New Zealand Nigeria North Macedonia Norway Oman Pakistan Panama Paraguay Peru Philippines Poland Portugal Russian Federation Rwanda Samoa San Marino Saudi Arabia Serbia Seychelles Slovak Republic Somalia South Africa Spain Sri Lanka Sudan Sweden Tajikistan Thailand Tonga Tunisia Turkiye Uganda Ukraine United Kingdom Uruguay Vietnam Zambia Zimbabwe The 2017 Global FICP Survey includes responses from 124 jurisdictions, representing 141 economies and over 90 percent of the world’s unbanked adult population. - Jurisdiction as defined by the remit of a financial sector authority. - Country Surveys were sent primarily to central banks and other lead financial sector authorities, and respondents were asked to consult with relevant agencies and submit a joint response. Event/Transaction data [evn] The Survey covers regulated retail institutions that provide standard loan, deposit, and/or payment services. Internet [int] The 2017 questionnaire covers selected issues within the following subtopics: - National Financial Inclusion Strategies (NFIS), - regulation and supervision of providers relevant to financial inclusion, - risk-based anti-money laundering and combating finnancing of terrorism (AML/CFT), - institutional and supervisory arrangements for financial consumer protection, - disclosure and transparency, - fair treatment, - dispute resolution, and financial capability. The survey was conducted in English. Jurisdictions submitted responses via an online platform. Data are self-reported and have not been independently verified by the World Bank Group. However, efforts were made to work with responding jurisdictions to clarify responses and ensure the completeness and consistency of submissions. Use of the dataset must be acknowledged using a citation which would include: - the Identification of the Primary Investigator - the title of the survey (including country, acronym and year of implementation) - the survey reference number - the source and date of download Example: Randall, Douglas., Oya Pinar Ardic Alper.World Bank. 2017. Global Financial Inclusion and Consumer Protection Survey 2017 (GFICPS 2017). Ref: WLD_2016_GFICPS_v01_M. Downloaded from [url] on [date]. This work is a product of the staff of The World Bank Group. The findings, interpretations, and conclusions expressed in this work do not necessarily reflect the views of The World Bank Group, its Board of Executive Directors, or the governments they represent. The World Bank Group does not guarantee the accuracy of the data included in this work. The boundaries, colors, denominations, and other information shown on any map in this work do not imply any judgment on the part of The World Bank Group concerning the legal status of any territory or the endorsement or acceptance of such boundaries. 2017_global_ficp_survey_respondent_data_dec2018 Global GFICP Survey Respondent data 124 683 respondent jurisdiction respondent jurisdiction respondent jurisdiction respondent jurisdiction respondent jurisdiction 124 Afghanistan Albania Angola Argentina Armenia Australia Austria Azerbaijan Bahamas, The Bahrain Bangladesh Belgium Bhutan Bolivia Bosnia And Herzegovina Botswana Brazil Bulgaria Burundi CEMAC Cambodia Canada Caribbean Small States Cayman Islands Chile China Colombia Costa Rica Croatia Denmark Djibouti Dominican Republic Ecuador Egypt, Arab Rep. El Salvador Estonia Fiji Finland France Gambia, The Georgia Germany Greece Guatemala Guyana Haiti Honduras Hong Kong Sar, China Hungary India Indonesia Iran, Islamic Rep. Iraq Israel Italy Jamaica Japan Jordan Kazakhstan Kenya Korea, Rep. Kuwait Kyrgyz Republic Latvia Lebanon Lesotho Liberia Lithuania Luxembourg Macedonia, Fyr Madagascar Malawi Malaysia Maldives Malta Mauritania Mauritius Mexico Moldova Montenegro Morocco Myanmar Namibia Netherlands New Zealand Nigeria Norway Oman Pakistan Panama Paraguay Peru Philippines Poland Portugal Russian Federation Rwanda Samoa San Marino Saudi Arabia Serbia Seychelles Slovak Republic Somalia South Africa Spain Sri Lanka Sudan Swaziland Sweden Tajikistan Thailand Tonga Tunisia Turkey Uganda Ukraine United Kingdom Uruguay Vietnam WAEMU West Bank And Gaza Zambia Zimbabwe WBG code WBG code WBG code WBG code WBG code 124 AFG AGO ALB ARG ARM AUS AUT AZE BCEAO BDI BEAC BEL BGD BGR BHR BHS BIH BOL BRA BTN BWA CAN CHL CHN COL CRI CSS CYM DEU DJI DNK DOM ECU EGY ESP EST FIN FJI FRA GBR GEO GMB GRC GTM GUY HKG HND HRV HTI HUN IDN IND IRN IRQ ISR ITA JAM JOR JPN KAZ KEN KGZ KHM KOR KWT LBN LBR LKA LSO LTU LUX LVA MAR MDA MDG MDV MEX MKD MLT MMR MNE MRT MUS MWI MYS NAM NGA NLD NOR NZL OMN PAK PAN PER PHL POL PRT PRY PSE RUS RWA SAU SDN SLV SMR SOM SRB SVK SWE SWZ SYC THA TJK TON TUN TUR UGA UKR URY VNM WSM ZAF ZMB ZWE region (developing only) region (developing only) region (developing only) region (developing only) region (developing only) 82 East Asia & Pacific Europe & Central Asia Latin America & Caribbean Middle East & North Africa South Asia Sub-Saharan Africa income group income group income group income group income group 121 High income Low income Lower middle income Upper middle income coordinating respondent agency coordinating respondent agency coordinating respondent agency coordinating respondent agency coordinating respondent agency 124 australian securities and investments commission banca d'italia banco central de la república argentina banco central de reserva de el salvador banco central del paraguay – superintendencia de bancos. banco de españa banco de portugal banco nacional de angola bangko sentral ng pilipinas (bsp) bangladesh bank bank negara malaysia (central bank of malaysia) bank of albania bank of botswana bank of france bank of greece bank of guyana bank of israel bank of jamaica, consumer affairs commission of jamaica bank of latvia bank of lithuania bank of mauritius bank of namibia bank of russia bank of thailand bank of uganda bank of zambia banque centrale de mauritanie banque centrale du maroc/bank al-maghreb banque de la république d'haïti banque de la république du burundi banque du liban bceao beac bulgarian national bank cayman islands monetary authority central bank of bahrain central bank of bosnia and herzegovina central bank of brazil central bank of djibouti central bank of dominican republic central bank of egypt central bank of hungary central bank of iraq central bank of jordan central bank of kenya central bank of kuwait central bank of lesotho central bank of liberia central bank of malta (as coordinator) central bank of montenegro central bank of myanmar central bank of nigeria (cbn) central bank of oman central bank of samoa central bank of seychelles central bank of somalia central bank of sri lanka (cbsl) central bank of sudan central bank of swaziland central bank of the gambia, central bank of the islamic republic of iran central bank of the republic of san marino central bank of tunisia (cbt) comisiÓn nacional de bancos y seguros commission de supervision bancaire et financière (csbf) commission de surveillance du secteur financier (cssf) croatian national bank da afghanistan bank danmarks nationalbank de nederlandsche bank deutsche bundesbank eastern caribbean central bank financial conduct authority financial consumer agency of canada (fcac) financial market supervisory authority of the republic of azerbaijan financial services agency, government of japan (fsa) financial services and markets authority financial supervision and resolution authority financial supervisory authority (fin-fsa) financial supervisory service finansinspektionen finanstilsynet - financial supervisory authority of norway hong kong monetary authority indonesia financial services authority (ifsa)/otoritas jasa keuangan (ojk) maldives monetary authority narodowy bank polski national bank of georgia national bank of kazakhstan national bank of kyrgyz republic national bank of moldova national bank of rwanda national bank of serbia national bank of tajikistan national bank of the republic of macedonia national bank of ukraine, state commission for regulation of financial services markets of ukraine national banking and securities commission (cnbv) national reserve bank of tonga national treasury nbs oesterreichische nationalbank/financial market authority palestine monetary authority reserve bank of fiji reserve bank of india reserve bank of malawi reserve bank of new zealand reserve bank of zimbabwe royal monetary authority saudi arabian monetary agency-sama state bank of pakistan state bank of viet nam sugef superintendence of banking, insurance and private pension funds (sbs) superintendencia de bancos de guatemala superintendencia de bancos del ecuaor superintendencia de bancos e instituciones financieras superintendencia de servicios financieros - banco central del uruguay superintendencia financiera de colombia superintendency of banks supervisory authority of the financial system (asfi) the central bank of armenia the central bank of the bahamas the national bank of cambodia the people's bank of china undersecretariat of treasury commercial banks - exist commercial banks - exist commercial banks - exist commercial banks - exist commercial banks - exist 124 1 1 No 1 Yes other banks - exist other banks - exist other banks - exist other banks - exist other banks - exist 124 1 No 1 Yes financial cooperatives - exist financial cooperatives - exist financial cooperatives - exist financial cooperatives - exist financial cooperatives - exist 124 1 No 1 Yes other deposit taking institutions (ODTIs) - exist other deposit taking institutions (ODTIs) - exist other deposit taking institutions (ODTIs) - exist other deposit taking institutions (ODTIs) - exist other deposit taking institutions (ODTIs) - exist 124 1 No 1 Yes microcredit institutions (MCIs) - exist microcredit institutions (MCIs) - exist microcredit institutions (MCIs) - exist microcredit institutions (MCIs) - exist microcredit institutions (MCIs) - exist 124 1 No 1 Yes nonbank e-money issuers (NBEIs) - exist nonbank e-money issuers (NBEIs) - exist nonbank e-money issuers (NBEIs) - exist nonbank e-money issuers (NBEIs) - exist nonbank e-money issuers (NBEIs) - exist 124 1 No 1 Yes NBEI - MNO subs NBEI - MNO subs NBEI - MNO subs NBEI - MNO subs NBEI - MNO subs 60 64 1 No 1 Yes Sysmiss nfis - exists nfis - exists nfis - exists nfis - exists nfis - exists Financial Inclusion Policies and Strategies Does your country have any of the following national strategy documents to promote activities relevant to financial inclusion: - National Financial Inclusion Strategy 124 1 No 1 Yes nfis - in development nfis - in development nfis - in development nfis - in development nfis - in development Financial Inclusion Policies and Strategies Does your country have any of the following national strategy documents to promote activities relevant to financial inclusion: - National Financial Inclusion Strategy 124 1 No 1 Yes gsds - exists gsds - exists gsds - exists gsds - exists gsds - exists Financial Inclusion Policies and Strategies Does your country have any of the following national strategy documents to promote activities relevant to financial inclusion: - General financial sector development strategy with a financial inclusion component 124 1 No 1 Yes gsds - in development gsds - in development gsds - in development gsds - in development gsds - in development Financial Inclusion Policies and Strategies Does your country have any of the following national strategy documents to promote activities relevant to financial inclusion: - General financial sector development strategy with a financial inclusion component 124 1 No 1 Yes nds - exists nds - exists nds - exists nds - exists nds - exists Financial Inclusion Policies and Strategies Does your country have any of the following national strategy documents to promote activities relevant to financial inclusion: - National development strategy with a financial inclusion component 124 1 No 1 Yes nds - in development nds - in development nds - in development nds - in development nds - in development Financial Inclusion Policies and Strategies Does your country have any of the following national strategy documents to promote activities relevant to financial inclusion: - National development strategy with a financial inclusion component 124 1 No 1 Yes mfs - exists mfs - exists mfs - exists mfs - exists mfs - exists Financial Inclusion Policies and Strategies Does your country have any of the following national strategy documents to promote activities relevant to financial inclusion: - Microfinance strategy 124 1 No 1 Yes mfs - in development mfs - in development mfs - in development mfs - in development mfs - in development Financial Inclusion Policies and Strategies Does your country have any of the following national strategy documents to promote activities relevant to financial inclusion: - Microfinance strategy 124 1 No 1 Yes fin cap strategy exists fin cap strategy exists fin cap strategy exists fin cap strategy exists fin cap strategy exists Financial Inclusion Policies and Strategies Does your country have any of the following national strategy documents to promote activities relevant to financial inclusion: - Financial Capability/Literacy/Education strategy 124 1 No 1 Yes fin cap strategy in development fin cap strategy in development fin cap strategy in development fin cap strategy in development fin cap strategy in development Financial Inclusion Policies and Strategies Does your country have any of the following national strategy documents to promote activities relevant to financial inclusion: - Financial Capability/Literacy/Education strategy 124 1 No 1 Yes nfis - numeric targets nfis - numeric targets nfis - numeric targets nfis - numeric targets nfis - numeric targets Financial Inclusion Policies and Strategies Does your country have any of the following national strategy documents to promote activities relevant to financial inclusion: National Financial Inclusion Strategy Does the Strategy include specific, numeric targets? 34 90 1 No 1 Yes Sysmiss fin incl policy - reqs, exceptions, tax incentives, or subs fin incl policy - reqs, exceptions, tax incentives, or subs fin incl policy - reqs, exceptions, tax incentives, or subs fin incl policy - reqs, exceptions, tax incentives, or subs fin incl policy - reqs, exceptions, tax incentives, or subs Which of the following programs or policies has your country implemented to promote financial inclusion? Please mark all that apply a. Requirements, exceptions, tax incentives, or subsidies to promote opening of branches or outlets in underserved (e.g. poor or rural) areas 124 1 No 1 Yes fin incl policy - priority lending fin incl policy - priority lending fin incl policy - priority lending fin incl policy - priority lending fin incl policy - priority lending Which of the following programs or policies has your country implemented to promote financial inclusion? Please mark all that apply b. Priority lending: mandatory lending requirements targeting those with limited access to financial services e.g. poor people, SMEs, agricultural sector, etc. 124 1 No 1 Yes fin incl policy - tax incentive savings scheme fin incl policy - tax incentive savings scheme fin incl policy - tax incentive savings scheme fin incl policy - tax incentive savings scheme fin incl policy - tax incentive savings scheme Which of the following programs or policies has your country implemented to promote financial inclusion? Please mark all that apply c. Tax incentive savings schemes (such as tax incentives for retirement, education, or medical savings) 124 1 No 1 Yes fin incl policy - dep taking inst req to offer basic fin prod fin incl policy - dep taking inst req to offer basic fin prod fin incl policy - dep taking inst req to offer basic fin prod fin incl policy - dep taking inst req to offer basic fin prod fin incl policy - dep taking inst req to offer basic fin prod Which of the following programs or policies has your country implemented to promote financial inclusion? Please mark all that apply d. Deposit-taking institutions are required to offer basic financial products, such as a basic account (for the purpose of promoting financial inclusion) 124 1 No 1 Yes fin incl policy - enc/mandating recipients of govt transf to open an a/c to rece fin incl policy - enc/mandating recipients of govt transf to open an a/c to rece fin incl policy - enc/mandating recipients of govt transf to open an a/c to rece fin incl policy - enc/mandating recipients of govt transf to open an a/c to rece fin incl policy - enc/mandating recipients of govt transf to open an a/c to rece Which of the following programs or policies has your country implemented to promote financial inclusion? Please mark all that apply e. Encouraging (or mandating) recipients of government transfers to open an account to receive their funds (e.g. for pension payments, social program payments, tax refunds, etc.) 124 1 No 1 Yes fin incl - hh survey fin incl - hh survey fin incl - hh survey fin incl - hh survey fin incl - hh survey In order to monitor the level of access to financial services, has your agency or any other agency conducted any of the following in the past 3 years? Please mark all that apply. - Survey of households or individuals including questions on financial inclusion If yes, please provide link to report/data 124 1 No 1 Yes fin incl - firm survey fin incl - firm survey fin incl - firm survey fin incl - firm survey fin incl - firm survey In order to monitor the level of access to financial services, has your agency or any other agency conducted any of the following in the past 3 years? Please mark all that apply. - Survey of firms including questions on financial inclusion / access to finance If yes, please provide link to report/data 124 1 No 1 Yes cb - open current a/c cb - open current a/c cb - open current a/c cb - open current a/c cb - open current a/c Are "commercial banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Provide checking or current accounts 123 1 1 1 No 1 Yes Sysmiss cb - contract with retail agents cb - contract with retail agents cb - contract with retail agents cb - contract with retail agents cb - contract with retail agents Are "commercial banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Contract with retail agents as third-party delivery channels 118 6 1 No 1 Yes Sysmiss cb - act as an agent for fsp cb - act as an agent for fsp cb - act as an agent for fsp cb - act as an agent for fsp cb - act as an agent for fsp Are "commercial banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Act as an agent of a financial provider 116 8 1 No 1 Yes Sysmiss cb - transfer dom. remittances cb - transfer dom. remittances cb - transfer dom. remittances cb - transfer dom. remittances cb - transfer dom. remittances Are "commercial banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Transfer domestic remittances 122 2 1 No 1 Yes Sysmiss cb - transfer int. remittances cb - transfer int. remittances cb - transfer int. remittances cb - transfer int. remittances cb - transfer int. remittances Are "commercial banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Transfer international remittances 123 1 1 No 1 Yes Sysmiss cb - issue payment cards cb - issue payment cards cb - issue payment cards cb - issue payment cards cb - issue payment cards Are "commercial banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Issue payment cards (credit cards, debit cards and other non-prepaid cards) 123 1 1 No 1 Yes Sysmiss cb - issue e-money cb - issue e-money cb - issue e-money cb - issue e-money cb - issue e-money Are "commercial banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Issue e-money (including prepaid cards with an e-money function) 114 10 1 No 1 Yes Sysmiss cb - distribute insurance cb - distribute insurance cb - distribute insurance cb - distribute insurance cb - distribute insurance Are "commercial banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Distribute insurance 102 22 1 No 1 Yes Sysmiss cb - distribute pension products cb - distribute pension products cb - distribute pension products cb - distribute pension products cb - distribute pension products Are "commercial banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Distribute pension products 115 9 1 No 1 Yes Sysmiss ob - open current a/c ob - open current a/c ob - open current a/c ob - open current a/c ob - open current a/c Are "other banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Provide checking or current accounts 67 57 1 No 1 Yes Sysmiss ob - contract with retail agents ob - contract with retail agents ob - contract with retail agents ob - contract with retail agents ob - contract with retail agents Are "other banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Contract with retail agents as third-party delivery channels 64 60 1 No 1 Yes Sysmiss ob - act as an agent for fsp ob - act as an agent for fsp ob - act as an agent for fsp ob - act as an agent for fsp ob - act as an agent for fsp Are "other banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Act as an agent of a financial provider 64 60 1 No 1 Yes Sysmiss ob - transfer dom. remittances ob - transfer dom. remittances ob - transfer dom. remittances ob - transfer dom. remittances ob - transfer dom. remittances Are "other banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Transfer domestic remittances 66 58 1 No 1 Yes Sysmiss ob - transfer int. remittances ob - transfer int. remittances ob - transfer int. remittances ob - transfer int. remittances ob - transfer int. remittances Are "other banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Transfer international remittances 65 59 1 No 1 Yes Sysmiss ob - issue payment cards ob - issue payment cards ob - issue payment cards ob - issue payment cards ob - issue payment cards Are "other banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Issue payment cards (credit cards, debit cards and other non-prepaid cards) 66 58 1 No 1 Yes Sysmiss ob - issue e-money ob - issue e-money ob - issue e-money ob - issue e-money ob - issue e-money Are "other banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Issue e-money (including prepaid cards with an e-money function) 65 59 1 No 1 Yes Sysmiss ob - distribute insurance ob - distribute insurance ob - distribute insurance ob - distribute insurance ob - distribute insurance Are "other banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Distribute insurance 53 71 1 No 1 Yes Sysmiss ob - distribute pension products ob - distribute pension products ob - distribute pension products ob - distribute pension products ob - distribute pension products Are "other banks" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Distribute pension products 60 64 1 No 1 Yes Sysmiss fc - open current a/c fc - open current a/c fc - open current a/c fc - open current a/c fc - open current a/c Are "financial cooperatives" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Provide checking or current accounts 73 51 1 No 1 Yes Sysmiss fc - contract with retail agents fc - contract with retail agents fc - contract with retail agents fc - contract with retail agents fc - contract with retail agents Are "financial cooperatives" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Contract with retail agents as third-party delivery channels 71 53 1 No 1 Yes Sysmiss fc - act as an agent for fsp fc - act as an agent for fsp fc - act as an agent for fsp fc - act as an agent for fsp fc - act as an agent for fsp Are "financial cooperatives" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Act as an agent of a financial provider 72 52 1 No 1 Yes Sysmiss fc - transfer dom. remittances fc - transfer dom. remittances fc - transfer dom. remittances fc - transfer dom. remittances fc - transfer dom. remittances Are "financial cooperatives" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Transfer domestic remittances 72 52 1 No 1 Yes Sysmiss fc - transfer int. remittances fc - transfer int. remittances fc - transfer int. remittances fc - transfer int. remittances fc - transfer int. remittances Are "financial cooperatives" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Transfer international remittances 72 52 1 No 1 Yes Sysmiss fc - issue payment cards fc - issue payment cards fc - issue payment cards fc - issue payment cards fc - issue payment cards Are "financial cooperatives" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Issue payment cards (credit cards, debit cards and other non-prepaid cards) 72 52 1 No 1 Yes Sysmiss fc - issue e-money fc - issue e-money fc - issue e-money fc - issue e-money fc - issue e-money Are "financial cooperatives" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Issue e-money (including prepaid cards with an e-money function) 67 57 1 No 1 Yes Sysmiss fc - distribute insurance fc - distribute insurance fc - distribute insurance fc - distribute insurance fc - distribute insurance Are "financial cooperatives" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Distribute insurance 61 63 1 No 1 Yes Sysmiss fc - distribute pension products fc - distribute pension products fc - distribute pension products fc - distribute pension products fc - distribute pension products Are "financial cooperatives" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Distribute pension products 69 55 1 No 1 Yes Sysmiss od - open current a/c od - open current a/c od - open current a/c od - open current a/c od - open current a/c Are "ODTIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Provide checking or current accounts 60 64 1 No 1 Yes Sysmiss od - contract with retail agents od - contract with retail agents od - contract with retail agents od - contract with retail agents od - contract with retail agents Are "ODTIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Contract with retail agents as third-party delivery channels 57 67 1 No 1 Yes Sysmiss od - act as an agent for fsp od - act as an agent for fsp od - act as an agent for fsp od - act as an agent for fsp od - act as an agent for fsp Are "ODTIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Act as an agent of a financial provider 59 65 1 No 1 Yes Sysmiss od - transfer dom. remittances od - transfer dom. remittances od - transfer dom. remittances od - transfer dom. remittances od - transfer dom. remittances Are "ODTIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Transfer domestic remittances 58 66 1 No 1 Yes Sysmiss od - transfer int. remittances od - transfer int. remittances od - transfer int. remittances od - transfer int. remittances od - transfer int. remittances Are "ODTIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Transfer international remittances 56 68 1 No 1 Yes Sysmiss od - issue payment cards od - issue payment cards od - issue payment cards od - issue payment cards od - issue payment cards Are "ODTIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Issue payment cards (credit cards, debit cards and other non-prepaid cards) 58 66 1 No 1 Yes Sysmiss od - issue e-money od - issue e-money od - issue e-money od - issue e-money od - issue e-money Are "ODTIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Issue e-money (including prepaid cards with an e-money function) 53 71 1 No 1 Yes Sysmiss od - distribute insurance od - distribute insurance od - distribute insurance od - distribute insurance od - distribute insurance Are "ODTIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Distribute insurance 47 77 1 No 1 Yes Sysmiss od - distribute pension products od - distribute pension products od - distribute pension products od - distribute pension products od - distribute pension products Are "ODTIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Distribute pension products 54 70 1 No 1 Yes Sysmiss mc - open current a/c mc - open current a/c mc - open current a/c mc - open current a/c mc - open current a/c Are "MCIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Provide checking or current accounts 55 69 1 No 1 Yes Sysmiss mc - contract with retail agents mc - contract with retail agents mc - contract with retail agents mc - contract with retail agents mc - contract with retail agents Are "MCIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Contract with retail agents as third-party delivery channels 57 67 1 No 1 Yes Sysmiss mc - act as an agent for fsp mc - act as an agent for fsp mc - act as an agent for fsp mc - act as an agent for fsp mc - act as an agent for fsp Are "MCIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Act as an agent of a financial provider 58 66 1 No 1 Yes Sysmiss mc - transfer dom. remittances mc - transfer dom. remittances mc - transfer dom. remittances mc - transfer dom. remittances mc - transfer dom. remittances Are "MCIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Transfer domestic remittances 58 66 1 No 1 Yes Sysmiss mc - transfer int. remittances mc - transfer int. remittances mc - transfer int. remittances mc - transfer int. remittances mc - transfer int. remittances Are "MCIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Transfer international remittances 57 67 1 No 1 Yes Sysmiss mc - issue payment cards mc - issue payment cards mc - issue payment cards mc - issue payment cards mc - issue payment cards Are "MCIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Issue payment cards (credit cards, debit cards and other non-prepaid cards) 57 67 1 No 1 Yes Sysmiss mc - issue e-money mc - issue e-money mc - issue e-money mc - issue e-money mc - issue e-money Are "MCIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Issue e-money (including prepaid cards with an e-money function) 55 69 1 No 1 Yes Sysmiss mc - distribute insurance mc - distribute insurance mc - distribute insurance mc - distribute insurance mc - distribute insurance Are "MCIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Distribute insurance 44 80 1 No 1 Yes Sysmiss mc - distribute pension products mc - distribute pension products mc - distribute pension products mc - distribute pension products mc - distribute pension products Are "MCIs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Distribute pension products 53 71 1 No 1 Yes Sysmiss nb - open current a/c nb - open current a/c nb - open current a/c nb - open current a/c nb - open current a/c Are "NEIDs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Provide checking or current accounts 64 60 1 No 1 Yes Sysmiss nb - contract with retail agents nb - contract with retail agents nb - contract with retail agents nb - contract with retail agents nb - contract with retail agents Are "NEIDs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Contract with retail agents as third-party delivery channels 67 57 1 No 1 Yes Sysmiss nb - act as an agent for fsp nb - act as an agent for fsp nb - act as an agent for fsp nb - act as an agent for fsp nb - act as an agent for fsp Are "NEIDs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Act as an agent of a financial provider 65 59 1 No 1 Yes Sysmiss nb - transfer dom. remittances nb - transfer dom. remittances nb - transfer dom. remittances nb - transfer dom. remittances nb - transfer dom. remittances Are "NEIDs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Transfer domestic remittances 71 53 1 No 1 Yes Sysmiss nb - transfer int. remittances nb - transfer int. remittances nb - transfer int. remittances nb - transfer int. remittances nb - transfer int. remittances Are "NEIDs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Transfer international remittances 70 54 1 No 1 Yes Sysmiss nb - issue payment cards nb - issue payment cards nb - issue payment cards nb - issue payment cards nb - issue payment cards Are "NEIDs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Issue payment cards (credit cards, debit cards and other non-prepaid cards) 69 55 1 No 1 Yes Sysmiss nb - issue e-money nb - issue e-money nb - issue e-money nb - issue e-money nb - issue e-money Are "NEIDs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Issue e-money (including prepaid cards with an e-money function) 72 52 1 1 No 1 Yes Sysmiss nb - distribute insurance nb - distribute insurance nb - distribute insurance nb - distribute insurance nb - distribute insurance Are "NEIDs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Distribute insurance 56 68 1 No 1 Yes Sysmiss nb - distribute pension products nb - distribute pension products nb - distribute pension products nb - distribute pension products nb - distribute pension products Are "NEIDs" permitted to carry out the following activities? Who is responsible for supervising the following activities? - Distribute pension products 63 61 1 No 1 Yes Sysmiss overall permitted to contract with retail agents overall permitted to contract with retail agents overall permitted to contract with retail agents overall permitted to contract with retail agents overall permitted to contract with retail agents 124 1 No 1 Yes cb agents - id/verify id of customer cb agents - id/verify id of customer cb agents - id/verify id of customer cb agents - id/verify id of customer cb agents - id/verify id of customer Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Commercial Banks - Identify and/or verify the identity of the customer 93 31 1 No 1 Yes Sysmiss cb agents - receive and submit a deposit a/c app cb agents - receive and submit a deposit a/c app cb agents - receive and submit a deposit a/c app cb agents - receive and submit a deposit a/c app cb agents - receive and submit a deposit a/c app Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Commercial Banks - Receive and submit to the institution a deposit account application 93 31 1 No 1 Yes Sysmiss cb agents - receive and submit a loan app cb agents - receive and submit a loan app cb agents - receive and submit a loan app cb agents - receive and submit a loan app cb agents - receive and submit a loan app Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Commercial Banks - Receive and submit to the institution a loan application 93 31 1 No 1 Yes Sysmiss cb agents - open a customer a/c cb agents - open a customer a/c cb agents - open a customer a/c cb agents - open a customer a/c cb agents - open a customer a/c Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Commercial Banks - Open a customer account following the institution’s policies 93 31 1 No 1 Yes Sysmiss cb agents - open a basic a/c cb agents - open a basic a/c cb agents - open a basic a/c cb agents - open a basic a/c cb agents - open a basic a/c Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Commercial Banks - Open a basic account (e.g. a low value account or an account with a limited set of allowed transactions), following the institution’s policies 92 32 1 No 1 Yes Sysmiss cb agents - analyze and approve loan cb agents - analyze and approve loan cb agents - analyze and approve loan cb agents - analyze and approve loan cb agents - analyze and approve loan Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Commercial Banks - Analyze and approve a loan following the institution’s policies and limits 92 32 1 No 1 Yes Sysmiss cb agents - receive deposits cb agents - receive deposits cb agents - receive deposits cb agents - receive deposits cb agents - receive deposits Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Commercial Banks - Receive deposits 93 31 1 No 1 Yes Sysmiss cb agents - disburse loans cb agents - disburse loans cb agents - disburse loans cb agents - disburse loans cb agents - disburse loans Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Commercial Banks - Disburse loans 93 31 1 No 1 Yes Sysmiss ob agents - id/verify id of customer ob agents - id/verify id of customer ob agents - id/verify id of customer ob agents - id/verify id of customer ob agents - id/verify id of customer Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Other Banks - Identify and/or verify the identity of the customer 43 81 1 No 1 Yes Sysmiss ob agents - receive and submit a deposit a/c app ob agents - receive and submit a deposit a/c app ob agents - receive and submit a deposit a/c app ob agents - receive and submit a deposit a/c app ob agents - receive and submit a deposit a/c app Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Other Banks - Receive and submit to the institution a deposit account application 42 82 1 No 1 Yes Sysmiss ob agents - receive and submit a loan app ob agents - receive and submit a loan app ob agents - receive and submit a loan app ob agents - receive and submit a loan app ob agents - receive and submit a loan app Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Other Banks - Receive and submit to the institution a loan application 42 82 1 No 1 Yes Sysmiss ob agents - open a customer a/c ob agents - open a customer a/c ob agents - open a customer a/c ob agents - open a customer a/c ob agents - open a customer a/c Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Other Banks - Open a customer account following the institution’s policies 42 82 1 No 1 Yes Sysmiss ob agents - open a basic a/c ob agents - open a basic a/c ob agents - open a basic a/c ob agents - open a basic a/c ob agents - open a basic a/c Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Other Banks - Open a basic account (e.g. a low value account or an account with a limited set of allowed transactions), following the institution’s policies 41 83 1 No 1 Yes Sysmiss ob agents - analyze and approve loan ob agents - analyze and approve loan ob agents - analyze and approve loan ob agents - analyze and approve loan ob agents - analyze and approve loan Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Other Banks - Analyze and approve a loan following the institution’s policies and limits 43 81 1 No 1 Yes Sysmiss ob agents - receive deposits ob agents - receive deposits ob agents - receive deposits ob agents - receive deposits ob agents - receive deposits Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Other Banks - Receive deposits 42 82 1 No 1 Yes Sysmiss ob agents - disburse loans ob agents - disburse loans ob agents - disburse loans ob agents - disburse loans ob agents - disburse loans Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Other Banks - Disburse loans 43 81 1 No 1 Yes Sysmiss fc agents - id/verify id of customer fc agents - id/verify id of customer fc agents - id/verify id of customer fc agents - id/verify id of customer fc agents - id/verify id of customer Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Financial Cooperatives - Identify and/or verify the identity of the customer 42 82 1 No 1 Yes Sysmiss fc agents - receive and submit a deposit a/c app fc agents - receive and submit a deposit a/c app fc agents - receive and submit a deposit a/c app fc agents - receive and submit a deposit a/c app fc agents - receive and submit a deposit a/c app Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Financial Cooperatives - Receive and submit to the institution a deposit account application 39 85 1 No 1 Yes Sysmiss fc agents - receive and submit a loan app fc agents - receive and submit a loan app fc agents - receive and submit a loan app fc agents - receive and submit a loan app fc agents - receive and submit a loan app Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Financial Cooperatives - Receive and submit to the institution a loan application 41 83 1 No 1 Yes Sysmiss fc agents - open a customer a/c fc agents - open a customer a/c fc agents - open a customer a/c fc agents - open a customer a/c fc agents - open a customer a/c Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Financial Cooperatives - Open a customer account following the institution’s policies 38 86 1 No 1 Yes Sysmiss fc agents - open a basic a/c fc agents - open a basic a/c fc agents - open a basic a/c fc agents - open a basic a/c fc agents - open a basic a/c Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Financial Cooperatives - Open a basic account (e.g. a low value account or an account with a limited set of allowed transactions), following the institution’s policies 38 86 1 No 1 Yes Sysmiss fc agents - analyze and approve loan fc agents - analyze and approve loan fc agents - analyze and approve loan fc agents - analyze and approve loan fc agents - analyze and approve loan Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Financial Cooperatives - Analyze and approve a loan following the institution’s policies and limits 42 82 1 No 1 Yes Sysmiss fc agents - receive deposits fc agents - receive deposits fc agents - receive deposits fc agents - receive deposits fc agents - receive deposits Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Financial Cooperatives - Receive deposits 41 83 1 No 1 Yes Sysmiss fc agents - disburse loans fc agents - disburse loans fc agents - disburse loans fc agents - disburse loans fc agents - disburse loans Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. Financial Cooperatives - Disburse loans 41 83 1 No 1 Yes Sysmiss od agents - id/verify id of customer od agents - id/verify id of customer od agents - id/verify id of customer od agents - id/verify id of customer od agents - id/verify id of customer Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. ODTIs - Identify and/or verify the identity of the customer 32 92 1 No 1 Yes Sysmiss od agents - receive and submit a deposit a/c app od agents - receive and submit a deposit a/c app od agents - receive and submit a deposit a/c app od agents - receive and submit a deposit a/c app od agents - receive and submit a deposit a/c app Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. ODTIs - Receive and submit to the institution a loan application 33 91 1 No 1 Yes Sysmiss od agents - receive and submit a loan app od agents - receive and submit a loan app od agents - receive and submit a loan app od agents - receive and submit a loan app od agents - receive and submit a loan app Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. ODTIs - Receive and submit to the institution a loan application 33 91 1 No 1 Yes Sysmiss od agents - open a customer a/c od agents - open a customer a/c od agents - open a customer a/c od agents - open a customer a/c od agents - open a customer a/c Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. ODTIs - Open a customer account following the institution’s policies 33 91 1 No 1 Yes Sysmiss od agents - open a basic a/c od agents - open a basic a/c od agents - open a basic a/c od agents - open a basic a/c od agents - open a basic a/c Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. ODTIs - Open a basic account (e.g. a low value account or an account with a limited set of allowed transactions), following the institution’s policies 33 91 1 No 1 Yes Sysmiss od agents - analyze and approve loan od agents - analyze and approve loan od agents - analyze and approve loan od agents - analyze and approve loan od agents - analyze and approve loan Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. ODTIs - Analyze and approve a loan following the institution’s policies and limits 33 91 1 No 1 Yes Sysmiss od agents - receive deposits od agents - receive deposits od agents - receive deposits od agents - receive deposits od agents - receive deposits Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. ODTIs - Receive deposits 33 91 1 No 1 Yes Sysmiss od agents - disburse loans od agents - disburse loans od agents - disburse loans od agents - disburse loans od agents - disburse loans Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. ODTIs - Disburse loans 33 91 1 No 1 Yes Sysmiss mc agents - id/verify id of customer mc agents - id/verify id of customer mc agents - id/verify id of customer mc agents - id/verify id of customer mc agents - id/verify id of customer Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. MCIs - Identify and/or verify the identity of the customer 27 97 1 No 1 Yes Sysmiss mc agents - receive and submit a deposit a/c app mc agents - receive and submit a deposit a/c app mc agents - receive and submit a deposit a/c app mc agents - receive and submit a deposit a/c app mc agents - receive and submit a deposit a/c app Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. MCIs - Receive and submit to the institution a loan application 14 110 1 No 1 Yes Sysmiss mc agents - receive and submit a loan app mc agents - receive and submit a loan app mc agents - receive and submit a loan app mc agents - receive and submit a loan app mc agents - receive and submit a loan app Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. MCIs - Receive and submit to the institution a loan application 27 97 1 No 1 Yes Sysmiss mc agents - open a customer a/c mc agents - open a customer a/c mc agents - open a customer a/c mc agents - open a customer a/c mc agents - open a customer a/c Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. MCIs - Open a customer account following the institution’s policies 20 104 1 No 1 Yes Sysmiss mc agents - open a basic a/c mc agents - open a basic a/c mc agents - open a basic a/c mc agents - open a basic a/c mc agents - open a basic a/c Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. MCIs - Open a basic account (e.g. a low value account or an account with a limited set of allowed transactions), following the institution’s policies 20 104 1 No 1 Yes Sysmiss mc agents - analyze and approve loan mc agents - analyze and approve loan mc agents - analyze and approve loan mc agents - analyze and approve loan mc agents - analyze and approve loan Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. MCIs - Analyze and approve a loan following the institution’s policies and limits 26 98 1 No 1 Yes Sysmiss mc agents - receive deposits mc agents - receive deposits mc agents - receive deposits mc agents - receive deposits mc agents - receive deposits Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. MCIs - Receive deposits 12 112 1 No 1 Yes Sysmiss mc agents - disburse loans mc agents - disburse loans mc agents - disburse loans mc agents - disburse loans mc agents - disburse loans Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. MCIs - Disburse loans 27 97 1 No 1 Yes Sysmiss nb agents - id/verify id of customer nb agents - id/verify id of customer nb agents - id/verify id of customer nb agents - id/verify id of customer nb agents - id/verify id of customer Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. NEIDs - Identify and/or verify the identity of the customer 58 66 1 No 1 Yes Sysmiss nb agents - receive and submit a deposit a/c app nb agents - receive and submit a deposit a/c app nb agents - receive and submit a deposit a/c app nb agents - receive and submit a deposit a/c app nb agents - receive and submit a deposit a/c app Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. NEIDs - Receive and submit to the institution a loan application 33 91 1 No 1 Yes Sysmiss nb agents - receive and submit a loan app nb agents - receive and submit a loan app nb agents - receive and submit a loan app nb agents - receive and submit a loan app nb agents - receive and submit a loan app Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. NEIDs - Receive and submit to the institution a loan application 32 92 1 No 1 Yes Sysmiss nb agents - open a customer a/c nb agents - open a customer a/c nb agents - open a customer a/c nb agents - open a customer a/c nb agents - open a customer a/c Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. NEIDs - Open a customer account following the institution’s policies 48 76 1 No 1 Yes Sysmiss nb agents - open a basic a/c nb agents - open a basic a/c nb agents - open a basic a/c nb agents - open a basic a/c nb agents - open a basic a/c Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. NEIDs - Open a basic account (e.g. a low value account or an account with a limited set of allowed transactions), following the institution’s policies 41 83 1 No 1 Yes Sysmiss nb agents - analyze and approve loan nb agents - analyze and approve loan nb agents - analyze and approve loan nb agents - analyze and approve loan nb agents - analyze and approve loan Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. NEIDs - Analyze and approve a loan following the institution’s policies and limits 33 91 1 No 1 Yes Sysmiss nb agents - receive deposits nb agents - receive deposits nb agents - receive deposits nb agents - receive deposits nb agents - receive deposits Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. NEIDs - Receive deposits 38 86 1 No 1 Yes Sysmiss nb agents - disburse loans nb agents - disburse loans nb agents - disburse loans nb agents - disburse loans nb agents - disburse loans Are the following institutions allowed to outsource to third parties the following activities? Check all that apply for each type of financial institution. NEIDs - Disburse loans 34 90 1 No 1 Yes Sysmiss cb - fsp liable for actions of agent cb - fsp liable for actions of agent cb - fsp liable for actions of agent cb - fsp liable for actions of agent cb - fsp liable for actions of agent If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there specific rules which indicate that financial service providers are liable for any actions or omissions of the agent? 87 37 1 No 1 Yes Sysmiss cb - fsp to monitor agents cb - fsp to monitor agents cb - fsp to monitor agents cb - fsp to monitor agents cb - fsp to monitor agents If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Is there a specific obligation for the financial service provider to monitor its agents? Commercial Banks 88 36 1 No 1 Yes Sysmiss cb - fsp to prevent agent fraud cb - fsp to prevent agent fraud cb - fsp to prevent agent fraud cb - fsp to prevent agent fraud cb - fsp to prevent agent fraud If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there requirements for the financial service providers to have a mechanism in place to prevent agents' fraud? Commercial Banks 88 36 1 No 1 Yes Sysmiss cb - fsp to have remuneration policy for agents cb - fsp to have remuneration policy for agents cb - fsp to have remuneration policy for agents cb - fsp to have remuneration policy for agents cb - fsp to have remuneration policy for agents If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there requirements for financial service providers to have a remuneration policy for their agents? Commercial Banks 86 38 1 No 1 Yes Sysmiss ob - fsp liable for actions of agent ob - fsp liable for actions of agent ob - fsp liable for actions of agent ob - fsp liable for actions of agent ob - fsp liable for actions of agent If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there specific rules which indicate that financial service providers are liable for any actions or omissions of the agent? Other Banks 36 88 1 No 1 Yes Sysmiss ob - fsp to monitor agents ob - fsp to monitor agents ob - fsp to monitor agents ob - fsp to monitor agents ob - fsp to monitor agents If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Is there a specific obligation for the financial service provider to monitor its agents? Other Banks 35 89 1 No 1 Yes Sysmiss ob - fsp to prevent agent fraud ob - fsp to prevent agent fraud ob - fsp to prevent agent fraud ob - fsp to prevent agent fraud ob - fsp to prevent agent fraud If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there requirements for the financial service providers to have a mechanism in place to prevent agents' fraud? Other Banks 34 90 1 No 1 Yes Sysmiss ob - fsp to have remuneration policy for agents ob - fsp to have remuneration policy for agents ob - fsp to have remuneration policy for agents ob - fsp to have remuneration policy for agents ob - fsp to have remuneration policy for agents If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there requirements for financial service providers to have a remuneration policy for their agents? Other Banks 34 90 1 No 1 Yes Sysmiss fc - fsp liable for actions of agent fc - fsp liable for actions of agent fc - fsp liable for actions of agent fc - fsp liable for actions of agent fc - fsp liable for actions of agent If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there specific rules which indicate that financial service providers are liable for any actions or omissions of the agent? Financial Cooperatives 39 85 1 No 1 Yes Sysmiss fc - fsp to monitor agents fc - fsp to monitor agents fc - fsp to monitor agents fc - fsp to monitor agents fc - fsp to monitor agents If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Is there a specific obligation for the financial service provider to monitor its agents? Financial Cooperatives 39 85 1 No 1 Yes Sysmiss fc - fsp to prevent agent fraud fc - fsp to prevent agent fraud fc - fsp to prevent agent fraud fc - fsp to prevent agent fraud fc - fsp to prevent agent fraud If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there requirements for the financial service providers to have a mechanism in place to prevent agents' fraud? Financial Cooperatives 39 85 1 No 1 Yes Sysmiss fc - fsp to have remuneration policy for agents fc - fsp to have remuneration policy for agents fc - fsp to have remuneration policy for agents fc - fsp to have remuneration policy for agents fc - fsp to have remuneration policy for agents If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there requirements for financial service providers to have a remuneration policy for their agents? Financial Cooperatives 38 86 1 No 1 Yes Sysmiss od - fsp liable for actions of agent od - fsp liable for actions of agent od - fsp liable for actions of agent od - fsp liable for actions of agent od - fsp liable for actions of agent If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there specific rules which indicate that financial service providers are liable for any actions or omissions of the agent? ODTIs 30 94 1 No 1 Yes Sysmiss od - fsp to monitor agents od - fsp to monitor agents od - fsp to monitor agents od - fsp to monitor agents od - fsp to monitor agents If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Is there a specific obligation for the financial service provider to monitor its agents? ODTIs 30 94 1 No 1 Yes Sysmiss od - fsp to prevent agent fraud od - fsp to prevent agent fraud od - fsp to prevent agent fraud od - fsp to prevent agent fraud od - fsp to prevent agent fraud If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there requirements for the financial service providers to have a mechanism in place to prevent agents' fraud? ODTIs 30 94 1 No 1 Yes Sysmiss od - fsp to have remuneration policy for agents od - fsp to have remuneration policy for agents od - fsp to have remuneration policy for agents od - fsp to have remuneration policy for agents od - fsp to have remuneration policy for agents If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there requirements for financial service providers to have a remuneration policy for their agents? ODTIs 30 94 1 No 1 Yes Sysmiss mc - fsp liable for actions of agent mc - fsp liable for actions of agent mc - fsp liable for actions of agent mc - fsp liable for actions of agent mc - fsp liable for actions of agent If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there specific rules which indicate that financial service providers are liable for any actions or omissions of the agent? MCIs 24 100 1 No 1 Yes Sysmiss mc - fsp to monitor agents mc - fsp to monitor agents mc - fsp to monitor agents mc - fsp to monitor agents mc - fsp to monitor agents If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Is there a specific obligation for the financial service provider to monitor its agents? MCIs 24 100 1 No 1 Yes Sysmiss mc - fsp to prevent agent fraud mc - fsp to prevent agent fraud mc - fsp to prevent agent fraud mc - fsp to prevent agent fraud mc - fsp to prevent agent fraud If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there requirements for the financial service providers to have a mechanism in place to prevent agents' fraud? MCIs 24 100 1 No 1 Yes Sysmiss mc - fsp to have remuneration policy for agents mc - fsp to have remuneration policy for agents mc - fsp to have remuneration policy for agents mc - fsp to have remuneration policy for agents mc - fsp to have remuneration policy for agents If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there requirements for financial service providers to have a remuneration policy for their agents? MCIs 25 99 1 No 1 Yes Sysmiss nb - fsp liable for actions of agent nb - fsp liable for actions of agent nb - fsp liable for actions of agent nb - fsp liable for actions of agent nb - fsp liable for actions of agent If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there specific rules which indicate that financial service providers are liable for any actions or omissions of the agent? NEIDs 58 66 1 No 1 Yes Sysmiss nb - fsp to monitor agents nb - fsp to monitor agents nb - fsp to monitor agents nb - fsp to monitor agents nb - fsp to monitor agents If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Is there a specific obligation for the financial service provider to monitor its agents? NEIDs 57 67 1 No 1 Yes Sysmiss nb - fsp to prevent agent fraud nb - fsp to prevent agent fraud nb - fsp to prevent agent fraud nb - fsp to prevent agent fraud nb - fsp to prevent agent fraud If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there requirements for the financial service providers to have a mechanism in place to prevent agents' fraud? NEIDs 57 67 1 No 1 Yes Sysmiss nb - fsp to have remuneration policy for agents nb - fsp to have remuneration policy for agents nb - fsp to have remuneration policy for agents nb - fsp to have remuneration policy for agents nb - fsp to have remuneration policy for agents If financial institutions are allowed to have agents, please specify which type of rules apply regulating the relationships between the financial institution, the agent, and the consumer: - Are there requirements for financial service providers to have a remuneration policy for their agents? NEIDs 55 69 1 No 1 Yes Sysmiss definition - microfinance definition - microfinance definition - microfinance definition - microfinance definition - microfinance Please note whether any of the following terms are explicitly defined in law or regulation - Defined in law or regulation Yes/No/NA 122 2 1 No 1 Yes Sysmiss definition - microcredit definition - microcredit definition - microcredit definition - microcredit definition - microcredit Please note whether any of the following terms are explicitly defined in law or regulation - Defined in law or regulation Yes/No/NA 123 1 1 No 1 Yes Sysmiss definition - microsavings definition - microsavings definition - microsavings definition - microsavings definition - microsavings Please note whether any of the following terms are explicitly defined in law or regulation - Defined in law or regulation Yes/No/NA 122 2 1 No 1 Yes Sysmiss mf - value and amount mf - value and amount mf - value and amount mf - value and amount mf - value and amount Please note whether any of the following terms are explicitly defined in law or regulation - Defined by value/amount of product (e.g. maximum loan size, maximum deposit amount, maximum policy amount) 44 80 1 No 1 Yes Sysmiss mc - value and amount mc - value and amount mc - value and amount mc - value and amount mc - value and amount Please note whether any of the following terms are explicitly defined in law or regulation - Defined by value/amount of product (e.g. maximum loan size, maximum deposit amount, maximum policy amount) 50 74 1 No 1 Yes Sysmiss ms - value and amount ms - value and amount ms - value and amount ms - value and amount ms - value and amount Please note whether any of the following terms are explicitly defined in law or regulation - Defined by value/amount of product (e.g. maximum loan size, maximum deposit amount, maximum policy amount) 16 108 1 No 1 Yes Sysmiss mf - target clientele mf - target clientele mf - target clientele mf - target clientele mf - target clientele Please note whether any of the following terms are explicitly defined in law or regulation - Defined by target clientele (e.g. low-income individual, micro or small enterprise, "unbanked") 44 80 1 No 1 Yes Sysmiss mc - target clientele mc - target clientele mc - target clientele mc - target clientele mc - target clientele Please note whether any of the following terms are explicitly defined in law or regulation - Defined by target clientele (e.g. low-income individual, micro or small enterprise, "unbanked") 50 74 1 No 1 Yes Sysmiss ms - target clientele ms - target clientele ms - target clientele ms - target clientele ms - target clientele Please note whether any of the following terms are explicitly defined in law or regulation - Defined by target clientele (e.g. low-income individual, micro or small enterprise, "unbanked") 16 108 1 No 1 Yes Sysmiss mf - purpose/use of product mf - purpose/use of product mf - purpose/use of product mf - purpose/use of product mf - purpose/use of product Please note whether any of the following terms are explicitly defined in law or regulation - Defined by purpose/use of product by target clientele (e.g. productive enterprise) 44 80 1 No 1 Yes Sysmiss mc - purpose/use of product mc - purpose/use of product mc - purpose/use of product mc - purpose/use of product mc - purpose/use of product Please note whether any of the following terms are explicitly defined in law or regulation - Defined by purpose/use of product by target clientele (e.g. productive enterprise) 50 74 1 No 1 Yes Sysmiss ms - purpose/use of product ms - purpose/use of product ms - purpose/use of product ms - purpose/use of product ms - purpose/use of product Please note whether any of the following terms are explicitly defined in law or regulation - Defined by purpose/use of product by target clientele (e.g. productive enterprise) 16 108 1 No 1 Yes Sysmiss mf - terms and conditions mf - terms and conditions mf - terms and conditions mf - terms and conditions mf - terms and conditions Please note whether any of the following terms are explicitly defined in law or regulation - Defined by terms and conditions of product (e.g. unsecured) 44 80 1 No 1 Yes Sysmiss mc - terms and conditions mc - terms and conditions mc - terms and conditions mc - terms and conditions mc - terms and conditions Please note whether any of the following terms are explicitly defined in law or regulation - Defined by terms and conditions of product (e.g. unsecured) 50 74 1 No 1 Yes Sysmiss ms - terms and conditions ms - terms and conditions ms - terms and conditions ms - terms and conditions ms - terms and conditions Please note whether any of the following terms are explicitly defined in law or regulation - Defined by terms and conditions of product (e.g. unsecured) 16 108 1 No 1 Yes Sysmiss cb - required to check/report credit bureau info for some/all loans cb - required to check/report credit bureau info for some/all loans cb - required to check/report credit bureau info for some/all loans cb - required to check/report credit bureau info for some/all loans cb - required to check/report credit bureau info for some/all loans Do financial institutions have access, or report, to a credit bureau or credit registry? Check all that apply for each type of financial institution Commercial Banks 124 1 No 1 Yes ob - required to check/report credit bureau info for some/all loans ob - required to check/report credit bureau info for some/all loans ob - required to check/report credit bureau info for some/all loans ob - required to check/report credit bureau info for some/all loans ob - required to check/report credit bureau info for some/all loans Do financial institutions have access, or report, to a credit bureau or credit registry? Check all that apply for each type of financial institution Other Banks 69 55 1 No 1 Yes Sysmiss fc - required to check/report credit bureau info for some/all loans fc - required to check/report credit bureau info for some/all loans fc - required to check/report credit bureau info for some/all loans fc - required to check/report credit bureau info for some/all loans fc - required to check/report credit bureau info for some/all loans Do financial institutions have access, or report, to a credit bureau or credit registry? Check all that apply for each type of financial institution Financial Cooperatives 78 46 1 No 1 Yes Sysmiss od - required to check/report credit bureau info for some/all loans od - required to check/report credit bureau info for some/all loans od - required to check/report credit bureau info for some/all loans od - required to check/report credit bureau info for some/all loans od - required to check/report credit bureau info for some/all loans Do financial institutions have access, or report, to a credit bureau or credit registry? Check all that apply for each type of financial institution ODTIs 65 59 1 No 1 Yes Sysmiss mc - required to check/report credit bureau info for some/all loans mc - required to check/report credit bureau info for some/all loans mc - required to check/report credit bureau info for some/all loans mc - required to check/report credit bureau info for some/all loans mc - required to check/report credit bureau info for some/all loans Do financial institutions have access, or report, to a credit bureau or credit registry? Check all that apply for each type of financial institution MCIs 61 63 1 No 1 Yes Sysmiss nd - required to check/report credit bureau info for some/all loans nd - required to check/report credit bureau info for some/all loans nd - required to check/report credit bureau info for some/all loans nd - required to check/report credit bureau info for some/all loans nd - required to check/report credit bureau info for some/all loans Do financial institutions have access, or report, to a credit bureau or credit registry? Check all that apply for each type of financial institution NEIDs 72 52 1 No 1 Yes Sysmiss cb - all lending sub to int rate caps cb - all lending sub to int rate caps cb - all lending sub to int rate caps cb - all lending sub to int rate caps cb - all lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - All lending is subject to interest rate caps or pricing limits Commercial Banks 117 7 1 No 1 Yes Sysmiss cb - no lending sub to int rate caps cb - no lending sub to int rate caps cb - no lending sub to int rate caps cb - no lending sub to int rate caps cb - no lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - No interest rate caps or pricing limits of any kind Commercial Banks 117 7 1 No 1 Yes Sysmiss cb - some lending sub to int rate caps cb - some lending sub to int rate caps cb - some lending sub to int rate caps cb - some lending sub to int rate caps cb - some lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - Some interest rate caps or pricing limits apply to certain products or consumer segments Commercial Banks 117 7 1 No 1 Yes Sysmiss ob - all lending sub to int rate caps ob - all lending sub to int rate caps ob - all lending sub to int rate caps ob - all lending sub to int rate caps ob - all lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - All lending is subject to interest rate caps or pricing limits Other Banks 63 61 1 No 1 Yes Sysmiss ob - no lending sub to int rate caps ob - no lending sub to int rate caps ob - no lending sub to int rate caps ob - no lending sub to int rate caps ob - no lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - No interest rate caps or pricing limits of any kind Other Banks 63 61 1 No 1 Yes Sysmiss ob - some lending sub to int rate caps ob - some lending sub to int rate caps ob - some lending sub to int rate caps ob - some lending sub to int rate caps ob - some lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - Some interest rate caps or pricing limits apply to certain products or consumer segments Other Banks 63 61 1 No 1 Yes Sysmiss fc - all lending sub to int rate caps fc - all lending sub to int rate caps fc - all lending sub to int rate caps fc - all lending sub to int rate caps fc - all lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - All lending is subject to interest rate caps or pricing limits Financial Cooperatives 70 54 1 No 1 Yes Sysmiss fc - no lending sub to int rate caps fc - no lending sub to int rate caps fc - no lending sub to int rate caps fc - no lending sub to int rate caps fc - no lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - No interest rate caps or pricing limits of any kind Financial Cooperatives 70 54 1 No 1 Yes Sysmiss fc - some lending sub to int rate caps fc - some lending sub to int rate caps fc - some lending sub to int rate caps fc - some lending sub to int rate caps fc - some lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - Some interest rate caps or pricing limits apply to certain products or consumer segments Financial Cooperatives 70 54 1 No 1 Yes Sysmiss od - all lending sub to int rate caps od - all lending sub to int rate caps od - all lending sub to int rate caps od - all lending sub to int rate caps od - all lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - All lending is subject to interest rate caps or pricing limits ODTIs 60 64 1 No 1 Yes Sysmiss od - no lending sub to int rate caps od - no lending sub to int rate caps od - no lending sub to int rate caps od - no lending sub to int rate caps od - no lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - No interest rate caps or pricing limits of any kind ODTIs 60 64 1 No 1 Yes Sysmiss od - some lending sub to int rate caps od - some lending sub to int rate caps od - some lending sub to int rate caps od - some lending sub to int rate caps od - some lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - Some interest rate caps or pricing limits apply to certain products or consumer segments ODTIs 60 64 1 No 1 Yes Sysmiss mc - all lending sub to int rate caps mc - all lending sub to int rate caps mc - all lending sub to int rate caps mc - all lending sub to int rate caps mc - all lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - All lending is subject to interest rate caps or pricing limits MCIs 55 69 1 No 1 Yes Sysmiss mc - no lending sub to int rate caps mc - no lending sub to int rate caps mc - no lending sub to int rate caps mc - no lending sub to int rate caps mc - no lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - No interest rate caps or pricing limits of any kind MCIs 55 69 1 No 1 Yes Sysmiss mc - some lending sub to int rate caps mc - some lending sub to int rate caps mc - some lending sub to int rate caps mc - some lending sub to int rate caps mc - some lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - Some interest rate caps or pricing limits apply to certain products or consumer segments MCIs 55 69 1 No 1 Yes Sysmiss nb - all lending sub to int rate caps nb - all lending sub to int rate caps nb - all lending sub to int rate caps nb - all lending sub to int rate caps nb - all lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - All lending is subject to interest rate caps or pricing limits NEIDs 27 97 1 No 1 Yes Sysmiss nb - no lending sub to int rate caps nb - no lending sub to int rate caps nb - no lending sub to int rate caps nb - no lending sub to int rate caps nb - no lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - No interest rate caps or pricing limits of any kind NEIDs 27 97 1 No 1 Yes Sysmiss nb - some lending sub to int rate caps nb - some lending sub to int rate caps nb - some lending sub to int rate caps nb - some lending sub to int rate caps nb - some lending sub to int rate caps Are financial institutions subject to explicit caps on interest rates or other methods that limit loan pricing, e.g. maximum profit margins or maximum spread? Select one option for each type of financial institution. - Some interest rate caps or pricing limits apply to certain products or consumer segments NEIDs 27 97 1 No 1 Yes Sysmiss cb - product authorization, yes cb - product authorization, yes cb - product authorization, yes cb - product authorization, yes cb - product authorization, yes Does regulation explicitly require authorization of new or modified financial products? - Commercial Banks 120 4 1 No 1 Yes Sysmiss cb - product authorization, some cases cb - product authorization, some cases cb - product authorization, some cases cb - product authorization, some cases cb - product authorization, some cases Does regulation explicitly require authorization of new or modified financial products? - Commercial Banks 120 4 1 No 1 Yes Sysmiss cb - product authorization, no cb - product authorization, no cb - product authorization, no cb - product authorization, no cb - product authorization, no Does regulation explicitly require authorization of new or modified financial products? - Commercial Banks 120 4 1 No 1 Yes Sysmiss ob - product authorization, yes ob - product authorization, yes ob - product authorization, yes ob - product authorization, yes ob - product authorization, yes Does regulation explicitly require authorization of new or modified financial products? - Other Banks 66 58 1 No 1 Yes Sysmiss ob - product authorization, some cases ob - product authorization, some cases ob - product authorization, some cases ob - product authorization, some cases ob - product authorization, some cases Does regulation explicitly require authorization of new or modified financial products? - Other Banks 66 58 1 No 1 Yes Sysmiss ob - product authorization, no ob - product authorization, no ob - product authorization, no ob - product authorization, no ob - product authorization, no Does regulation explicitly require authorization of new or modified financial products? - Other Banks 66 58 1 No 1 Yes Sysmiss fc - product authorization, yes fc - product authorization, yes fc - product authorization, yes fc - product authorization, yes fc - product authorization, yes Does regulation explicitly require authorization of new or modified financial products? - Financial Cooperatives 76 48 1 No 1 Yes Sysmiss fc - product authorization, some cases fc - product authorization, some cases fc - product authorization, some cases fc - product authorization, some cases fc - product authorization, some cases Does regulation explicitly require authorization of new or modified financial products? - Financial Cooperatives 76 48 1 No 1 Yes Sysmiss fc - product authorization, no fc - product authorization, no fc - product authorization, no fc - product authorization, no fc - product authorization, no Does regulation explicitly require authorization of new or modified financial products? - Financial Cooperatives 76 48 1 No 1 Yes Sysmiss od - product authorization, yes od - product authorization, yes od - product authorization, yes od - product authorization, yes od - product authorization, yes Does regulation explicitly require authorization of new or modified financial products? - ODTIs 64 60 1 No 1 Yes Sysmiss od - product authorization, some cases od - product authorization, some cases od - product authorization, some cases od - product authorization, some cases od - product authorization, some cases Does regulation explicitly require authorization of new or modified financial products? - ODTIs 64 60 1 No 1 Yes Sysmiss od - product authorization, no od - product authorization, no od - product authorization, no od - product authorization, no od - product authorization, no Does regulation explicitly require authorization of new or modified financial products? - ODTIs 64 60 1 No 1 Yes Sysmiss mc - product authorization, yes mc - product authorization, yes mc - product authorization, yes mc - product authorization, yes mc - product authorization, yes Does regulation explicitly require authorization of new or modified financial products? - MCIs 60 64 1 No 1 Yes Sysmiss mc - product authorization, some cases mc - product authorization, some cases mc - product authorization, some cases mc - product authorization, some cases mc - product authorization, some cases Does regulation explicitly require authorization of new or modified financial products? - MCIs 60 64 1 No 1 Yes Sysmiss mc - product authorization, no mc - product authorization, no mc - product authorization, no mc - product authorization, no mc - product authorization, no Does regulation explicitly require authorization of new or modified financial products? - MCIs 60 64 1 No 1 Yes Sysmiss nb - product authorization, yes nb - product authorization, yes nb - product authorization, yes nb - product authorization, yes nb - product authorization, yes Does regulation explicitly require authorization of new or modified financial products? - NEIDs 70 54 1 No 1 Yes Sysmiss nb - product authorization, some cases nb - product authorization, some cases nb - product authorization, some cases nb - product authorization, some cases nb - product authorization, some cases Does regulation explicitly require authorization of new or modified financial products? - NEIDs 70 54 1 No 1 Yes Sysmiss nb - product authorization, no nb - product authorization, no nb - product authorization, no nb - product authorization, no nb - product authorization, no Does regulation explicitly require authorization of new or modified financial products? - NEIDs 70 54 1 No 1 Yes Sysmiss risk assessed - operational risk assessed - operational risk assessed - operational risk assessed - operational risk assessed - operational What types of risks are assessed during authorization process for modified or new financial products? Check all that apply. 76 48 1 No 1 Yes Sysmiss risk assessed - aml/cft risk assessed - aml/cft risk assessed - aml/cft risk assessed - aml/cft risk assessed - aml/cft What types of risks are assessed during authorization process for modified or new financial products? Check all that apply. 76 48 1 No 1 Yes Sysmiss risk assessed - consumer risk assessed - consumer risk assessed - consumer risk assessed - consumer risk assessed - consumer What types of risks are assessed during authorization process for modified or new financial products? Check all that apply. 76 48 1 No 1 Yes Sysmiss 100% of cust funds must be kept in an a/c at a prudentially reg fin inst 100% of cust funds must be kept in an a/c at a prudentially reg fin inst 100% of cust funds must be kept in an a/c at a prudentially reg fin inst 100% of cust funds must be kept in an a/c at a prudentially reg fin inst 100% of cust funds must be kept in an a/c at a prudentially reg fin inst Is there a requirement in law or regulation that customers' e-money funds be separated from the funds of the e-money issuer? 71 53 1 No 1 Yes Sysmiss 100% of cust funds must be kept in a/c at more than 1 prudentially reg fin inst 100% of cust funds must be kept in a/c at more than 1 prudentially reg fin inst 100% of cust funds must be kept in a/c at more than 1 prudentially reg fin inst 100% of cust funds must be kept in a/c at more than 1 prudentially reg fin inst 100% of cust funds must be kept in a/c at more than 1 prudentially reg fin inst Is there a requirement in law or regulation that customers' e-money funds be separated from the funds of the e-money issuer? 71 53 1 No 1 Yes Sysmiss frac of mon must be kept in 1 or more prudentially regu fininst frac of mon must be kept in 1 or more prudentially regu fininst frac of mon must be kept in 1 or more prudentially regu fininst frac of mon must be kept in 1 or more prudentially regu fininst frac of mon must be kept in 1 or more prudentially regu fininst Is there a requirement in law or regulation that customers' e-money funds be separated from the funds of the e-money issuer? 71 53 1 No 1 Yes Sysmiss no req to sep cust e-mon funds from e-mon issuer's funds no req to sep cust e-mon funds from e-mon issuer's funds no req to sep cust e-mon funds from e-mon issuer's funds no req to sep cust e-mon funds from e-mon issuer's funds no req to sep cust e-mon funds from e-mon issuer's funds Is there a requirement in law or regulation that customers' e-money funds be separated from the funds of the e-money issuer? 71 53 1 No 1 Yes Sysmiss type of a/c - trust a/c type of a/c - trust a/c type of a/c - trust a/c type of a/c - trust a/c type of a/c - trust a/c Is it specified in law or regulation which type of account must be used to safeguard e-money funds? Please mark all that apply. 65 59 1 No 1 Yes Sysmiss type of a/c - escrow a/c type of a/c - escrow a/c type of a/c - escrow a/c type of a/c - escrow a/c type of a/c - escrow a/c Is it specified in law or regulation which type of account must be used to safeguard e-money funds? Please mark all that apply. 65 59 1 No 1 Yes Sysmiss type of a/c - regular a/c type of a/c - regular a/c type of a/c - regular a/c type of a/c - regular a/c type of a/c - regular a/c Is it specified in law or regulation which type of account must be used to safeguard e-money funds? Please mark all that apply. 65 59 1 No 1 Yes Sysmiss type of a/c - a/c at central bank type of a/c - a/c at central bank type of a/c - a/c at central bank type of a/c - a/c at central bank type of a/c - a/c at central bank Is it specified in law or regulation which type of account must be used to safeguard e-money funds? Please mark all that apply. 65 59 1 No 1 Yes Sysmiss type of a/c - a/c not specified type of a/c - a/c not specified type of a/c - a/c not specified type of a/c - a/c not specified type of a/c - a/c not specified Is it specified in law or regulation which type of account must be used to safeguard e-money funds? Please mark all that apply. 65 59 1 No 1 Yes Sysmiss type of a/c - other type of a/c type of a/c - other type of a/c type of a/c - other type of a/c type of a/c - other type of a/c type of a/c - other type of a/c Is it specified in law or regulation which type of account must be used to safeguard e-money funds? Please mark all that apply. 65 59 1 No 1 Yes Sysmiss nbei prohibited to use funds for other purposes nbei prohibited to use funds for other purposes nbei prohibited to use funds for other purposes nbei prohibited to use funds for other purposes nbei prohibited to use funds for other purposes Are non-bank e-money issuers prohibited by law or regulation from using customer funds for purposes other than redeeming e-money and executing fund transfers? 69 55 1 No 1 Yes Sysmiss allowed to pay interest on e-money accounts allowed to pay interest on e-money accounts allowed to pay interest on e-money accounts allowed to pay interest on e-money accounts allowed to pay interest on e-money accounts Are non-bank e-money issuers permitted by law or regulation to pay interest on customers' e-money accounts or share profits with their e-money customers? Please mark all that apply. - The law/regulation allows non-bank e-money issuers to pay interest on customers' e-money accounts 62 62 1 No 1 Yes Sysmiss allowed to share profits with customers allowed to share profits with customers allowed to share profits with customers allowed to share profits with customers allowed to share profits with customers Are non-bank e-money issuers permitted by law or regulation to pay interest on customers' e-money accounts or share profits with their e-money customers? Please mark all that apply - The law/reguation allows non-bank e-money issuers to share profits with their e-money customers 62 62 1 No 1 Yes Sysmiss not allowed to pay interest or share profits not allowed to pay interest or share profits not allowed to pay interest or share profits not allowed to pay interest or share profits not allowed to pay interest or share profits Are non-bank e-money issuers permitted by law or regulation to pay interest on customers' e-money accounts or share profits with their e-money customers? Please mark all that apply. - Neither 62 62 1 No 1 Yes Sysmiss cb - doc reqs to oepn a/c cb - doc reqs to oepn a/c cb - doc reqs to oepn a/c cb - doc reqs to oepn a/c cb - doc reqs to oepn a/c Are there legal and/or regulatory requirements specifying which documents individuals must submit for opening a deposit account at a financial institution? 121 3 1 No 1 Yes Sysmiss ob - doc reqs to oepn a/c ob - doc reqs to oepn a/c ob - doc reqs to oepn a/c ob - doc reqs to oepn a/c ob - doc reqs to oepn a/c Are there legal and/or regulatory requirements specifying which documents individuals must submit for opening a deposit account at a financial institution? 61 63 1 No 1 Yes Sysmiss fc - doc reqs to oepn a/c fc - doc reqs to oepn a/c fc - doc reqs to oepn a/c fc - doc reqs to oepn a/c fc - doc reqs to oepn a/c Are there legal and/or regulatory requirements specifying which documents individuals must submit for opening a deposit account at a financial institution? 68 56 1 No 1 Yes Sysmiss od - doc reqs to oepn a/c od - doc reqs to oepn a/c od - doc reqs to oepn a/c od - doc reqs to oepn a/c od - doc reqs to oepn a/c Are there legal and/or regulatory requirements specifying which documents individuals must submit for opening a deposit account at a financial institution? 59 65 1 No 1 Yes Sysmiss cb - govt id cb - govt id cb - govt id cb - govt id cb - govt id According to current law or regulation, which of the following information must be submitted to open a deposit account? Commercial Banks - Proof of identity through a government issued ID 124 1 No 1 Yes cb - any id cb - any id cb - any id cb - any id cb - any id According to current law or regulation, which of the following information must be submitted to open a deposit account? Commercial Banks - Proof of identity from any ID 124 1 No 1 Yes cb - legal status cb - legal status cb - legal status cb - legal status cb - legal status According to current law or regulation, which of the following information must be submitted to open a deposit account? Commercial Banks - Proof of nationality or legal status in the country 124 1 No 1 Yes cb - address proof cb - address proof cb - address proof cb - address proof cb - address proof According to current law or regulation, which of the following information must be submitted to open a deposit account? Commercial Banks - Proof of address 124 1 No 1 Yes cb - inc proof cb - inc proof cb - inc proof cb - inc proof cb - inc proof According to current law or regulation, which of the following information must be submitted to open a deposit account? Commercial Banks - Proof of income 124 1 No 1 Yes cb - emp proof cb - emp proof cb - emp proof cb - emp proof cb - emp proof According to current law or regulation, which of the following information must be submitted to open a deposit account? Commercial Banks - Proof of employment 124 1 No 1 Yes cb - other cb - other cb - other cb - other cb - other According to current law or regulation, which of the following information must be submitted to open a deposit account? Commercial Banks - Other, please explain 124 1 No 1 Yes ob - govt id ob - govt id ob - govt id ob - govt id ob - govt id According to current law or regulation, which of the following information must be submitted to open a deposit account? Other Banks - Proof of identity through a government issued ID 123 1 1 No 1 Yes Sysmiss ob - any id ob - any id ob - any id ob - any id ob - any id According to current law or regulation, which of the following information must be submitted to open a deposit account? Other Banks - Proof of identity from any ID 123 1 1 No 1 Yes Sysmiss ob - legal status ob - legal status ob - legal status ob - legal status ob - legal status According to current law or regulation, which of the following information must be submitted to open a deposit account? Other Banks - Proof of nationality or legal status in the country 123 1 1 No 1 Yes Sysmiss ob - address proof ob - address proof ob - address proof ob - address proof ob - address proof According to current law or regulation, which of the following information must be submitted to open a deposit account? Other Banks - Proof of address 123 1 1 No 1 Yes Sysmiss ob - inc proof ob - inc proof ob - inc proof ob - inc proof ob - inc proof According to current law or regulation, which of the following information must be submitted to open a deposit account? Other Banks - Proof of income 123 1 1 No 1 Yes Sysmiss ob - emp proof ob - emp proof ob - emp proof ob - emp proof ob - emp proof According to current law or regulation, which of the following information must be submitted to open a deposit account? Other Banks - Proof of employment 123 1 1 No 1 Yes Sysmiss ob - other ob - other ob - other ob - other ob - other According to current law or regulation, which of the following information must be submitted to open a deposit account? Other Banks - Other, please explain 123 1 1 No 1 Yes Sysmiss fc - govt id fc - govt id fc - govt id fc - govt id fc - govt id According to current law or regulation, which of the following information must be submitted to open a deposit account? Financial Cooperatives - Proof of identity through a government issued ID 124 1 No 1 Yes fc - any id fc - any id fc - any id fc - any id fc - any id According to current law or regulation, which of the following information must be submitted to open a deposit account? Financial Cooperatives - Proof of identity from any ID 124 1 No 1 Yes fc - legal status fc - legal status fc - legal status fc - legal status fc - legal status According to current law or regulation, which of the following information must be submitted to open a deposit account? Financial Cooperatives - Proof of nationality or legal status in the country 124 1 No 1 Yes fc - address proof fc - address proof fc - address proof fc - address proof fc - address proof According to current law or regulation, which of the following information must be submitted to open a deposit account? Financial Cooperatives- Proof of address 124 1 No 1 Yes fc - inc proof fc - inc proof fc - inc proof fc - inc proof fc - inc proof According to current law or regulation, which of the following information must be submitted to open a deposit account? Financial Cooperatives - Proof of income 124 1 No 1 Yes fc - emp proof fc - emp proof fc - emp proof fc - emp proof fc - emp proof According to current law or regulation, which of the following information must be submitted to open a deposit account? Financial Cooperatives- Proof of employment 124 1 No 1 Yes fc - other fc - other fc - other fc - other fc - other According to current law or regulation, which of the following information must be submitted to open a deposit account? Financial Cooperatives - Other, please explain 124 1 No 1 Yes od - govt id od - govt id od - govt id od - govt id od - govt id According to current law or regulation, which of the following information must be submitted to open a deposit account? ODTIs - Proof of identity through a government issued ID 124 1 No 1 Yes od - any id od - any id od - any id od - any id od - any id According to current law or regulation, which of the following information must be submitted to open a deposit account? ODTIs - Proof of identity from any ID 124 1 No 1 Yes od - legal status od - legal status od - legal status od - legal status od - legal status According to current law or regulation, which of the following information must be submitted to open a deposit account? ODTIs - Proof of nationality or legal status in the country 124 1 No 1 Yes od - address proof od - address proof od - address proof od - address proof od - address proof According to current law or regulation, which of the following information must be submitted to open a deposit account? ODTIs - Proof of address 124 1 No 1 Yes od - inc proof od - inc proof od - inc proof od - inc proof od - inc proof According to current law or regulation, which of the following information must be submitted to open a deposit account? ODTIs - Proof of income 124 1 No 1 Yes od - emp proof od - emp proof od - emp proof od - emp proof od - emp proof According to current law or regulation, which of the following information must be submitted to open a deposit account? ODTIs - Proof of employment 124 1 No 1 Yes od - other od - other od - other od - other od - other According to current law or regulation, which of the following information must be submitted to open a deposit account? ODTIs - Other, please explain 124 1 No 1 Yes cb - simplifications/exceptions to CDD cb - simplifications/exceptions to CDD cb - simplifications/exceptions to CDD cb - simplifications/exceptions to CDD cb - simplifications/exceptions to CDD Are there simplifications or exceptions to the documentation requirements for certain types of applicants (e.g. low income) or deposit account products (e.g. small-value, low-risk transactions or basic accounts)? 120 4 1 No 1 Yes Sysmiss ob - simplifications/exceptions to CDD ob - simplifications/exceptions to CDD ob - simplifications/exceptions to CDD ob - simplifications/exceptions to CDD ob - simplifications/exceptions to CDD Are there simplifications or exceptions to the documentation requirements for certain types of applicants (e.g. low income) or deposit account products (e.g. small-value, low-risk transactions or basic accounts)? 65 59 1 No 1 Yes Sysmiss fc - simplifications/exceptions to CDD fc - simplifications/exceptions to CDD fc - simplifications/exceptions to CDD fc - simplifications/exceptions to CDD fc - simplifications/exceptions to CDD Are there simplifications or exceptions to the documentation requirements for certain types of applicants (e.g. low income) or deposit account products (e.g. small-value, low-risk transactions or basic accounts)? 68 56 1 No 1 Yes Sysmiss od - simplifications/exceptions to CDD od - simplifications/exceptions to CDD od - simplifications/exceptions to CDD od - simplifications/exceptions to CDD od - simplifications/exceptions to CDD Are there simplifications or exceptions to the documentation requirements for certain types of applicants (e.g. low income) or deposit account products (e.g. small-value, low-risk transactions or basic accounts)? 59 65 1 No 1 Yes Sysmiss cb - accept non-std id docs cb - accept non-std id docs cb - accept non-std id docs cb - accept non-std id docs cb - accept non-std id docs What elements of a risk-based approach to AML/CFT regulation have been implemented? Please mark all that apply. Commercial Banks - Acceptance of non-standard identification documents 121 3 1 No 1 Yes Sysmiss cb - non face-to-face CDD cb - non face-to-face CDD cb - non face-to-face CDD cb - non face-to-face CDD cb - non face-to-face CDD What elements of a risk-based approach to AML/CFT regulation have been implemented? Please mark all that apply. Commercial Banks - Non-face-to-face customer due diligence (by agents and/or via mobile phone or other mobile device) 122 2 1 No 1 Yes Sysmiss cb - allow simp trans monitorin cb - allow simp trans monitorin cb - allow simp trans monitorin cb - allow simp trans monitorin cb - allow simp trans monitorin What elements of a risk-based approach to AML/CFT regulation have been implemented? Please mark all that apply. Commercial Banks - Allowing simplified transaction monitoring based on lower assessed risk 119 5 1 No 1 Yes Sysmiss cb - other cb - other cb - other cb - other cb - other What elements of a risk-based approach to AML/CFT regulation have been implemented? Please mark all that apply. Commercial Banks - Other, please explain 110 14 1 No 1 Yes Sysmiss ob - accept non-std id docs ob - accept non-std id docs ob - accept non-std id docs ob - accept non-std id docs ob - accept non-std id docs What elements of a risk-based approach to AML/CFT regulation have been implemented? Please mark all that apply. Other Banks - Acceptance of non-standard identification documents 66 58 1 No 1 Yes Sysmiss ob - non face-to-face CDD ob - non face-to-face CDD ob - non face-to-face CDD ob - non face-to-face CDD ob - non face-to-face CDD What elements of a risk-based approach to AML/CFT regulation have been implemented? Please mark all that apply. Other Banks - Non-face-to-face customer due diligence (by agents and/or via mobile phone or other mobile device) 67 57 1 No 1 Yes Sysmiss ob - allow simp trans monitorin ob - allow simp trans monitorin ob - allow simp trans monitorin ob - allow simp trans monitorin ob - allow simp trans monitorin What elements of a risk-based approach to AML/CFT regulation have been implemented? Please mark all that apply. Other Banks - Allowing simplified transaction monitoring based on lower assessed risk 64 60 1 No 1 Yes Sysmiss ob - other ob - other ob - other ob - other ob - other What elements of a risk-based approach to AML/CFT regulation have been implemented? Please mark all that apply.Other Banks - Other, please explain 60 64 1 No 1 Yes Sysmiss fc - accept non-std id docs fc - accept non-std id docs fc - accept non-std id docs fc - accept non-std id docs fc - accept non-std id docs What elements of a risk-based approach to AML/CFT regulation have been implemented? Please mark all that apply. Financial Cooperatives - Acceptance of non-standard identification documents 69 55 1 No 1 Yes Sysmiss fc - non face-to-face CDD fc - non face-to-face CDD fc - non face-to-face CDD fc - non face-to-face CDD fc - non face-to-face CDD What elements of a risk-based approach to AML/CFT regulation have been implemented? Please mark all that apply. Financial Cooperatives - Non-face-to-face customer due diligence (by agents and/or via mobile phone or other mobile device) 68 56 1 No 1 Yes Sysmiss fc - allow simp trans monitorin fc - allow simp trans monitorin fc - allow simp trans monitorin fc - allow simp trans monitorin fc - allow simp trans monitorin What elements of a risk-based approach to AML/CFT regulation have been implemented? Please mark all that apply. Financial Cooperatives - Allowing simplified transaction monitoring based on lower assessed risk 65 59 1 No 1 Yes Sysmiss fc - other fc - other fc - other fc - other fc - other What elements of a risk-based approach to AML/CFT regulation have been implemented? Please mark all that apply. Financial Cooperatives - Other, please explain 66 58 1 No 1 Yes Sysmiss od - accept non-std id docs od - accept non-std id docs od - accept non-std id docs od - accept non-std id docs od - accept non-std id docs What elements of a risk-based approach to AML/CFT regulation have been implemented? Please mark all that apply. ODTIs - Acceptance of non-standard identification documents 60 64 1 No 1 Yes Sysmiss od - non face-to-face CDD od - non face-to-face CDD od - non face-to-face CDD od - non face-to-face CDD od - non face-to-face CDD What elements of a risk-based approach to AML/CFT regulation have been implemented? Please mark all that apply. ODTIs - Non-face-to-face customer due diligence (by agents and/or via mobile phone or other mobile device) 60 64 1 No 1 Yes Sysmiss od - allow simp trans monitorin od - allow simp trans monitorin od - allow simp trans monitorin od - allow simp trans monitorin od - allow simp trans monitorin What elements of a risk-based approach to AML/CFT regulation have been implemented? Please mark all that apply. ODTIs - Allowing simplified transaction monitoring based on lower assessed risk 59 65 1 No 1 Yes Sysmiss od - other od - other od - other od - other od - other What elements of a risk-based approach to AML/CFT regulation have been implemented? Please mark all that apply. ODTIs - Other, please explain 57 67 1 No 1 Yes Sysmiss max cost for opening a sav or curr a/c max cost for opening a sav or curr a/c max cost for opening a sav or curr a/c max cost for opening a sav or curr a/c max cost for opening a sav or curr a/c Which of the following are determined by law or regulation in your country regarding cost of customer accounts? Please mark all that apply. - The maximum cost for customers of opening a savings or current account 124 1 No 1 Yes ceiling on the min balance that a provider can impose for sav or curr a/c ceiling on the min balance that a provider can impose for sav or curr a/c ceiling on the min balance that a provider can impose for sav or curr a/c ceiling on the min balance that a provider can impose for sav or curr a/c ceiling on the min balance that a provider can impose for sav or curr a/c Which of the following are determined by law or regulation in your country regarding cost of customer accounts? Please mark all that apply. - A ceiling on the minimum balance that a provider can impose for savings or current accounts 124 1 No 1 Yes max maintenance fees for sav or curr a/c max maintenance fees for sav or curr a/c max maintenance fees for sav or curr a/c max maintenance fees for sav or curr a/c max maintenance fees for sav or curr a/c Which of the following are determined by law or regulation in your country regarding cost of customer accounts? Please mark all that apply. - The maximum maintenance fees for savings or current accounts (e.g. monthly or yearly account ownership fee) 124 1 No 1 Yes max overdraft penalty or below-min balance penalty that providers can charge max overdraft penalty or below-min balance penalty that providers can charge max overdraft penalty or below-min balance penalty that providers can charge max overdraft penalty or below-min balance penalty that providers can charge max overdraft penalty or below-min balance penalty that providers can charge Which of the following are determined by law or regulation in your country regarding cost of customer accounts? Please mark all that apply. - The maximum overdraft penalty or below-minimum balance penalty that providers can charge 124 1 No 1 Yes other other other other other Which of the following are determined by law or regulation in your country regarding cost of customer accounts? Please mark all that apply. - Other (please explain) 124 1 No 1 Yes no law or regulation addresses costs of customer a/c no law or regulation addresses costs of customer a/c no law or regulation addresses costs of customer a/c no law or regulation addresses costs of customer a/c no law or regulation addresses costs of customer a/c Which of the following are determined by law or regulation in your country regarding cost of customer accounts? Please mark all that apply. - 124 1 No 1 Yes no cost for opening a sav or curr a/c no cost for opening a sav or curr a/c no cost for opening a sav or curr a/c no cost for opening a sav or curr a/c no cost for opening a sav or curr a/c Which of the following are determined by law or regulation in your country regarding cost of customer accounts? Please mark all that apply. - 124 1 No 1 Yes gen cp law without explicit ref to fin services gen cp law without explicit ref to fin services gen cp law without explicit ref to fin services gen cp law without explicit ref to fin services gen cp law without explicit ref to fin services Please provide the name of the authority that is responding to section E-H of the questionnaire; E1.1 What type(s) of legal framework exists in your country pertaining to financial consumer protection? Please mark all that apply. - General consumer protection law without explicit reference to financial services 124 1 No 1 Yes gen cp law with explicit ref to fin services gen cp law with explicit ref to fin services gen cp law with explicit ref to fin services gen cp law with explicit ref to fin services gen cp law with explicit ref to fin services Please provide the name of the authority that is responding to section E-H of the questionnaire; E1.1 What type(s) of legal framework exists in your country pertaining to financial consumer protection? Please mark all that apply. - General consumer protection law with explicit reference to financial services 124 1 No 1 Yes stand-alone fcp law stand-alone fcp law stand-alone fcp law stand-alone fcp law stand-alone fcp law Please provide the name of the authority that is responding to section E-H of the questionnaire; E1.1 What type(s) of legal framework exists in your country pertaining to financial consumer protection? Please mark all that apply. - Stand-alone financial consumer protection law 124 1 No 1 Yes cp provisions within the fin sector legal framework cp provisions within the fin sector legal framework cp provisions within the fin sector legal framework cp provisions within the fin sector legal framework cp provisions within the fin sector legal framework Please provide the name of the authority that is responding to section E-H of the questionnaire; E1.1 What type(s) of legal framework exists in your country pertaining to financial consumer protection? Please mark all that apply. - Consumer protection provisions within the financial sector legal framework (e.g., banking law, insurance law) 124 1 No 1 Yes other legam framework other legam framework other legam framework other legam framework other legam framework Please provide the name of the authority that is responding to section E-H of the questionnaire; E1.1 What type(s) of legal framework exists in your country pertaining to financial consumer protection? Please mark all that apply. - Other 124 1 No 1 Yes no legal framework no legal framework no legal framework no legal framework no legal framework Please provide the name of the authority that is responding to section E-H of the questionnaire; E1.1 What type(s) of legal framework exists in your country pertaining to financial consumer protection? Please mark all that apply. - No legal framework exists pertaining to financial consumer protection 124 1 No 1 Yes stand-alone fcp reg stand-alone fcp reg stand-alone fcp reg stand-alone fcp reg stand-alone fcp reg What type(s) regulations exist in your country pertaining to financial consumer protection? Please mark all that apply. - Stand-alone financial consumer protection regulations (e.g. a regulation on consumer disclosure) 124 1 No 1 Yes cp provisions with fin sector reg cp provisions with fin sector reg cp provisions with fin sector reg cp provisions with fin sector reg cp provisions with fin sector reg What type(s) regulations exist in your country pertaining to financial consumer protection? Please mark all that apply. - Consumer protection provisions within the regulations pertaining to the financial sector (e.g. regulation of agents, electronic channels, certain products like credit cards) 124 1 No 1 Yes other reg other reg other reg other reg other reg What type(s) regulations exist in your country pertaining to financial consumer protection? Please mark all that apply. - Other 124 1 No 1 Yes integrated single fin sector authority model integrated single fin sector authority model integrated single fin sector authority model integrated single fin sector authority model integrated single fin sector authority model Please indicate which statement best describes the structure for financial consumer protection regulation and supervision (and more broadly market conduct) in your country? Please mark all that apply. - Integrated Single Agency Model. Financial consumer protection supervision responsibilities fall under a single agency that is responsible for all aspects of supervision (e.g., prudential and financial consumer protection) of all financial service providers operating within the jurisdiction. Please provide the name of the agency. 121 3 1 No 1 Yes Sysmiss integrated sectoral fin sector authority model integrated sectoral fin sector authority model integrated sectoral fin sector authority model integrated sectoral fin sector authority model integrated sectoral fin sector authority model Please indicate which statement best describes the structure for financial consumer protection regulation and supervision (and more broadly market conduct) in your country? Please mark all that apply. - Integrated Multiple Agency Model (Sectoral). Financial consumer protection supervision responsibilities fall under multiple agencies that hold responsibility for all aspects of supervision (e.g., prudential and financial consumer protection) of financial service providers operating within specific financial sectors (banking, insurance, securities, etc.). Please list the name of relevant agencies and the sectors they oversee. 121 3 1 No 1 Yes Sysmiss dedicated fcp authority model dedicated fcp authority model dedicated fcp authority model dedicated fcp authority model dedicated fcp authority model Please indicate which statement best describes the structure for financial consumer protection regulation and supervision (and more broadly market conduct) in your country? Please mark all that apply. - Dedicated Market Conduct Agency Model. Financial consumer protection supervision responsibilities fall under a single agency dedicated to financial consumer protection supervision. Please provide the name of the agency. 121 3 1 No 1 Yes Sysmiss gen cp authority model gen cp authority model gen cp authority model gen cp authority model gen cp authority model Please indicate which statement best describes the structure for financial consumer protection regulation and supervision (and more broadly market conduct) in your country? Please mark all that apply. - General Consumer Protection Agency Model which covers FCP. Financial consumer protection supervision responsibilities fall under an agency or agencies responsible for broader consumer protection supervision within the jurisdiction, including non-financial activities. Please provide the name of all relevant agencies. 121 3 1 No 1 Yes Sysmiss no model for fcp authority no model for fcp authority no model for fcp authority no model for fcp authority no model for fcp authority Please indicate which statement best describes the structure for financial consumer protection regulation and supervision (and more broadly market conduct) in your country? Please mark all that apply. 121 3 1 No 1 Yes Sysmiss shared fin & gen cp authority model shared fin & gen cp authority model shared fin & gen cp authority model shared fin & gen cp authority model shared fin & gen cp authority model Please indicate which statement best describes the structure for financial consumer protection regulation and supervision (and more broadly market conduct) in your country? Please mark all that apply. - 121 3 1 No 1 Yes Sysmiss sep fcp unit sep fcp unit sep fcp unit sep fcp unit sep fcp unit If your agency has the responsibility to implement, oversee and/or enforce any aspect of financial consumer protection law or regulation, is there a separate unit(s) or team(s) designated to work on consumer protection in your agency? 115 9 1 No 1 Yes Sysmiss sep fcp unit - embedded within prud sup func sep fcp unit - embedded within prud sup func sep fcp unit - embedded within prud sup func sep fcp unit - embedded within prud sup func sep fcp unit - embedded within prud sup func Which of the following best describes the separate unit(s) or team(s) designated to implement, oversee and/or enforce aspects of financial consumer protection law or regulation in your agency? Please mark all that apply. - The unit(s) or team(s) is embedded within prudential supervision functions 82 42 1 No 1 Yes Sysmiss sep fcp unit - sep from prud sup func, & on equal hierarchical level sep fcp unit - sep from prud sup func, & on equal hierarchical level sep fcp unit - sep from prud sup func, & on equal hierarchical level sep fcp unit - sep from prud sup func, & on equal hierarchical level sep fcp unit - sep from prud sup func, & on equal hierarchical level Which of the following best describes the separate unit(s) or team(s) designated to implement, oversee and/or enforce aspects of financial consumer protection law or regulation in your agency? Please mark all that apply. - The unit(s) or team(s) is separate from prudential supervision functions, and on equal hierarchical level 82 42 1 No 1 Yes Sysmiss sep fcp unit - sep from prud sup func, & on a lower hierarchical level sep fcp unit - sep from prud sup func, & on a lower hierarchical level sep fcp unit - sep from prud sup func, & on a lower hierarchical level sep fcp unit - sep from prud sup func, & on a lower hierarchical level sep fcp unit - sep from prud sup func, & on a lower hierarchical level Which of the following best describes the separate unit(s) or team(s) designated to implement, oversee and/or enforce aspects of financial consumer protection law or regulation in your agency? Please mark all that apply. - The unit(s) or team(s) is separate from prudential supervision functions, and on a lower hierarchical level 82 42 1 No 1 Yes Sysmiss sep fcp unit - est before 2000 sep fcp unit - est before 2000 sep fcp unit - est before 2000 sep fcp unit - est before 2000 sep fcp unit - est before 2000 Please provide the following information for the separate unit(s) or team(s) designated to implement, oversee and/or enforce aspects of financial consumer protection law or regulation in your agency. If more than one unit or team exists, please respond in reference to the unit or team responsible for financial consumer protection supervision of commercial banks: - When was the unit or team established? 80 44 1 No 1 Yes Sysmiss sep fcp unit - est b/w 2000 & 2010 sep fcp unit - est b/w 2000 & 2010 sep fcp unit - est b/w 2000 & 2010 sep fcp unit - est b/w 2000 & 2010 sep fcp unit - est b/w 2000 & 2010 Please provide the following information for the separate unit(s) or team(s) designated to implement, oversee and/or enforce aspects of financial consumer protection law or regulation in your agency. If more than one unit or team exists, please respond in reference to the unit or team responsible for financial consumer protection supervision of commercial banks: - When was the unit or team established? 80 44 1 No 1 Yes Sysmiss sep fcp unit - est after 2010 sep fcp unit - est after 2010 sep fcp unit - est after 2010 sep fcp unit - est after 2010 sep fcp unit - est after 2010 Please provide the following information for the separate unit(s) or team(s) designated to implement, oversee and/or enforce aspects of financial consumer protection law or regulation in your agency. If more than one unit or team exists, please respond in reference to the unit or team responsible for financial consumer protection supervision of commercial banks: - When was the unit or team established? 80 44 1 No 1 Yes Sysmiss sep fcp unit - less than 10 staff sep fcp unit - less than 10 staff sep fcp unit - less than 10 staff sep fcp unit - less than 10 staff sep fcp unit - less than 10 staff Please provide the following information for the separate unit(s) or team(s) designated to implement, oversee and/or enforce aspects of financial consumer protection law or regulation in your agency. If more than one unit or team exists, please respond in reference to the unit or team responsible for financial consumer protection supervision of commercial banks: - How many people does it include? 79 45 1 No 1 Yes Sysmiss sep fcp unit - b/w 10 & 49 staff sep fcp unit - b/w 10 & 49 staff sep fcp unit - b/w 10 & 49 staff sep fcp unit - b/w 10 & 49 staff sep fcp unit - b/w 10 & 49 staff Please provide the following information for the separate unit(s) or team(s) designated to implement, oversee and/or enforce aspects of financial consumer protection law or regulation in your agency. If more than one unit or team exists, please respond in reference to the unit or team responsible for financial consumer protection supervision of commercial banks: - How many people does it include? 79 45 1 No 1 Yes Sysmiss sep fcp unit - b/w 50 & 99 staff sep fcp unit - b/w 50 & 99 staff sep fcp unit - b/w 50 & 99 staff sep fcp unit - b/w 50 & 99 staff sep fcp unit - b/w 50 & 99 staff Please provide the following information for the separate unit(s) or team(s) designated to implement, oversee and/or enforce aspects of financial consumer protection law or regulation in your agency. If more than one unit or team exists, please respond in reference to the unit or team responsible for financial consumer protection supervision of commercial banks: - How many people does it include? 79 45 1 No 1 Yes Sysmiss sep fcp unit - 100 or more staff sep fcp unit - 100 or more staff sep fcp unit - 100 or more staff sep fcp unit - 100 or more staff sep fcp unit - 100 or more staff Please provide the following information for the separate unit(s) or team(s) designated to implement, oversee and/or enforce aspects of financial consumer protection law or regulation in your agency. If more than one unit or team exists, please respond in reference to the unit or team responsible for financial consumer protection supervision of commercial banks: - How many people does it include? 79 45 1 No 1 Yes Sysmiss fcp activities - drafting or providing inputs into regulation fcp activities - drafting or providing inputs into regulation fcp activities - drafting or providing inputs into regulation fcp activities - drafting or providing inputs into regulation fcp activities - drafting or providing inputs into regulation What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks/other banks/financial cooperatives/ODTIs/MCIs/NEIDs? Please mark all that apply. - Drafting or providing inputs into regulation 114 10 1 No 1 Yes Sysmiss fcp activities - complaints handling fcp activities - complaints handling fcp activities - complaints handling fcp activities - complaints handling fcp activities - complaints handling What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks/other banks/financial cooperatives/ODTIs/MCIs/NEIDs? Please mark all that apply. - Complaints handling 114 10 1 No 1 Yes Sysmiss fcp activities - collect data on # of complaints received fcp activities - collect data on # of complaints received fcp activities - collect data on # of complaints received fcp activities - collect data on # of complaints received fcp activities - collect data on # of complaints received What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks/other banks/financial cooperatives/ODTIs/MCIs/NEIDs? Please mark all that apply. - Collection of data from financial institutions on the number of complaints received 114 10 1 No 1 Yes Sysmiss fcp activities - collect data on rates and fees for fin services fcp activities - collect data on rates and fees for fin services fcp activities - collect data on rates and fees for fin services fcp activities - collect data on rates and fees for fin services fcp activities - collect data on rates and fees for fin services What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks/other banks/financial cooperatives/ODTIs/MCIs/NEIDs? Please mark all that apply. - Collection of data from financial institutions on rates and fees for financial services 114 10 1 No 1 Yes Sysmiss fcp activities - mystery shopping fcp activities - mystery shopping fcp activities - mystery shopping fcp activities - mystery shopping fcp activities - mystery shopping What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks/other banks/financial cooperatives/ODTIs/MCIs/NEIDs? Please mark all that apply. - Mystery/incognito shopping 114 10 1 No 1 Yes Sysmiss fcp activities - market monitoring fcp activities - market monitoring fcp activities - market monitoring fcp activities - market monitoring fcp activities - market monitoring What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks/other banks/financial cooperatives/ODTIs/MCIs/NEIDs? Please mark all that apply. - Market monitoring, including providers' advertisements, sales materials, websites, etc. 114 10 1 No 1 Yes Sysmiss fcp activities - market research fcp activities - market research fcp activities - market research fcp activities - market research fcp activities - market research What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks/other banks/financial cooperatives/ODTIs/MCIs/NEIDs? Please mark all that apply. - Interviews, focus groups and research with consumers 114 10 1 No 1 Yes Sysmiss fcp activities - on-site inspection fcp activities - on-site inspection fcp activities - on-site inspection fcp activities - on-site inspection fcp activities - on-site inspection What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks/other banks/financial cooperatives/ODTIs/MCIs/NEIDs? Please mark all that apply. - On-site inspection and investigation of financial institutions 114 10 1 No 1 Yes Sysmiss fcp activities - off-site inspection fcp activities - off-site inspection fcp activities - off-site inspection fcp activities - off-site inspection fcp activities - off-site inspection What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks/other banks/financial cooperatives/ODTIs/MCIs/NEIDs? Please mark all that apply. - Off-site inspection of financial institutions 114 10 1 No 1 Yes Sysmiss fcp activities - thematic reviews fcp activities - thematic reviews fcp activities - thematic reviews fcp activities - thematic reviews fcp activities - thematic reviews What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks/other banks/financial cooperatives/ODTIs/MCIs/NEIDs? Please mark all that apply. - Thematic reviews 114 10 1 No 1 Yes Sysmiss fcp activities - fin edu fcp activities - fin edu fcp activities - fin edu fcp activities - fin edu fcp activities - fin edu What are the main activities of the separate unit(s) or team(s) with respect to financial consumer protection for commercial banks/other banks/financial cooperatives/ODTIs/MCIs/NEIDs? Please mark all that apply. - Financial education 114 10 1 No 1 Yes Sysmiss issue warnings issue warnings issue warnings issue warnings issue warnings What actions can your agency take to enforce consumer protection laws and regulations? Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: - Issue warnings to financial institutions 117 7 1 No 1 Yes Sysmiss refund fees ad charges refund fees ad charges refund fees ad charges refund fees ad charges refund fees ad charges What actions can your agency take to enforce consumer protection laws and regulations? Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: - Require providers to refund fees and charges 117 7 1 No 1 Yes Sysmiss withdraw misleading ads withdraw misleading ads withdraw misleading ads withdraw misleading ads withdraw misleading ads What actions can your agency take to enforce consumer protection laws and regulations? Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: - Require providers to withdraw misleading advertisements 117 7 1 No 1 Yes Sysmiss impose fines and penalties impose fines and penalties impose fines and penalties impose fines and penalties impose fines and penalties What actions can your agency take to enforce consumer protection laws and regulations? Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: - Impose fines and penalties 117 7 1 No 1 Yes Sysmiss public notice public notice public notice public notice public notice What actions can your agency take to enforce consumer protection laws and regulations? Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: - Issue public notice of violations 117 7 1 No 1 Yes Sysmiss revoke license revoke license revoke license revoke license revoke license What actions can your agency take to enforce consumer protection laws and regulations? Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: - Revoke or recommend to revoke the offending provider's license to operate (or to operate a certain type of the business) 117 7 1 No 1 Yes Sysmiss issue admin sanctions issue admin sanctions issue admin sanctions issue admin sanctions issue admin sanctions What actions can your agency take to enforce consumer protection laws and regulations? Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: - Issue administrative sanctions to senior management 117 7 1 No 1 Yes Sysmiss enforced - issue warnings enforced - issue warnings enforced - issue warnings enforced - issue warnings enforced - issue warnings What actions can your agency take to enforce consumer protection laws and regulations? Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: - Issue warnings to financial institutions 96 28 1 No 1 Yes Sysmiss enforced - refund fees ad charges enforced - refund fees ad charges enforced - refund fees ad charges enforced - refund fees ad charges enforced - refund fees ad charges What actions can your agency take to enforce consumer protection laws and regulations? Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: - Require providers to refund fees and charges 66 58 1 No 1 Yes Sysmiss enforced - withdraw misleading ads enforced - withdraw misleading ads enforced - withdraw misleading ads enforced - withdraw misleading ads enforced - withdraw misleading ads What actions can your agency take to enforce consumer protection laws and regulations? Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: - Require providers to withdraw misleading advertisements 85 39 1 No 1 Yes Sysmiss enforced - impose fines and penalties enforced - impose fines and penalties enforced - impose fines and penalties enforced - impose fines and penalties enforced - impose fines and penalties What actions can your agency take to enforce consumer protection laws and regulations? Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: - Impose fines and penalties 97 27 1 No 1 Yes Sysmiss enforced - public notice enforced - public notice enforced - public notice enforced - public notice enforced - public notice What actions can your agency take to enforce consumer protection laws and regulations? Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: - Issue public notice of violations 63 61 1 No 1 Yes Sysmiss enforced - revoke license enforced - revoke license enforced - revoke license enforced - revoke license enforced - revoke license What actions can your agency take to enforce consumer protection laws and regulations? Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: - Revoke or recommend to revoke the offending provider's license to operate (or to operate a certain type of the business) 70 54 1 No 1 Yes Sysmiss enforced - issue admin sanctions enforced - issue admin sanctions enforced - issue admin sanctions enforced - issue admin sanctions enforced - issue admin sanctions What actions can your agency take to enforce consumer protection laws and regulations? Please mark all that apply and for each one, please indicate the number of times this action was taken in the most recent year for which data is available: - Issue administrative sanctions to senior management 66 58 1 No 1 Yes Sysmiss cb prod disc reqs - advertisement stage cb prod disc reqs - advertisement stage cb prod disc reqs - advertisement stage cb prod disc reqs - advertisement stage cb prod disc reqs - advertisement stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Commercial Banks 118 6 1 No 1 Yes Sysmiss cb prod disc reqs - shopping stage cb prod disc reqs - shopping stage cb prod disc reqs - shopping stage cb prod disc reqs - shopping stage cb prod disc reqs - shopping stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Commercial Banks 108 16 1 No 1 Yes Sysmiss cb prod disc reqs - precontractual stage cb prod disc reqs - precontractual stage cb prod disc reqs - precontractual stage cb prod disc reqs - precontractual stage cb prod disc reqs - precontractual stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Commercial Banks 120 4 1 No 1 Yes Sysmiss cb prod disc reqs - contractual stage cb prod disc reqs - contractual stage cb prod disc reqs - contractual stage cb prod disc reqs - contractual stage cb prod disc reqs - contractual stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Commercial Banks 120 4 1 No 1 Yes Sysmiss cb prod disc reqs - upon request cb prod disc reqs - upon request cb prod disc reqs - upon request cb prod disc reqs - upon request cb prod disc reqs - upon request Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Commercial Banks 120 4 1 No 1 Yes Sysmiss ob prod disc reqs - advertisement stage ob prod disc reqs - advertisement stage ob prod disc reqs - advertisement stage ob prod disc reqs - advertisement stage ob prod disc reqs - advertisement stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Other Banks 61 63 1 No 1 Yes Sysmiss ob prod disc reqs - shopping stage ob prod disc reqs - shopping stage ob prod disc reqs - shopping stage ob prod disc reqs - shopping stage ob prod disc reqs - shopping stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Other Banks 57 67 1 No 1 Yes Sysmiss ob prod disc reqs - precontractual stage ob prod disc reqs - precontractual stage ob prod disc reqs - precontractual stage ob prod disc reqs - precontractual stage ob prod disc reqs - precontractual stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Other Banks 61 63 1 No 1 Yes Sysmiss ob prod disc reqs - contractual stage ob prod disc reqs - contractual stage ob prod disc reqs - contractual stage ob prod disc reqs - contractual stage ob prod disc reqs - contractual stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Other Banks 61 63 1 No 1 Yes Sysmiss ob prod disc reqs - upon request ob prod disc reqs - upon request ob prod disc reqs - upon request ob prod disc reqs - upon request ob prod disc reqs - upon request Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Other Banks 62 62 1 No 1 Yes Sysmiss fc prod disc reqs - advertisement stage fc prod disc reqs - advertisement stage fc prod disc reqs - advertisement stage fc prod disc reqs - advertisement stage fc prod disc reqs - advertisement stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Financial Cooperatives 69 55 1 No 1 Yes Sysmiss fc prod disc reqs - shopping stage fc prod disc reqs - shopping stage fc prod disc reqs - shopping stage fc prod disc reqs - shopping stage fc prod disc reqs - shopping stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Financial Cooperatives 62 62 1 No 1 Yes Sysmiss fc prod disc reqs - precontractual stage fc prod disc reqs - precontractual stage fc prod disc reqs - precontractual stage fc prod disc reqs - precontractual stage fc prod disc reqs - precontractual stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Financial Cooperatives 67 57 1 No 1 Yes Sysmiss fc prod disc reqs - contractual stage fc prod disc reqs - contractual stage fc prod disc reqs - contractual stage fc prod disc reqs - contractual stage fc prod disc reqs - contractual stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Financial Cooperatives 67 57 1 No 1 Yes Sysmiss fc prod disc reqs - upon request fc prod disc reqs - upon request fc prod disc reqs - upon request fc prod disc reqs - upon request fc prod disc reqs - upon request Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Financial Cooperatives 69 55 No 1 Yes Sysmiss od prod disc reqs - advertisement stage od prod disc reqs - advertisement stage od prod disc reqs - advertisement stage od prod disc reqs - advertisement stage od prod disc reqs - advertisement stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - ODTIs 56 68 1 No 1 Yes Sysmiss od prod disc reqs - shopping stage od prod disc reqs - shopping stage od prod disc reqs - shopping stage od prod disc reqs - shopping stage od prod disc reqs - shopping stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - ODTIs 52 72 1 No 1 Yes Sysmiss od prod disc reqs - precontractual stage od prod disc reqs - precontractual stage od prod disc reqs - precontractual stage od prod disc reqs - precontractual stage od prod disc reqs - precontractual stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - ODTIs 56 68 1 No 1 Yes Sysmiss od prod disc reqs - contractual stage od prod disc reqs - contractual stage od prod disc reqs - contractual stage od prod disc reqs - contractual stage od prod disc reqs - contractual stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - ODTIs 57 67 1 No 1 Yes Sysmiss od prod disc reqs - upon request od prod disc reqs - upon request od prod disc reqs - upon request od prod disc reqs - upon request od prod disc reqs - upon request Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - ODTIs 57 67 1 No 1 Yes Sysmiss mc prod disc reqs - advertisement stage mc prod disc reqs - advertisement stage mc prod disc reqs - advertisement stage mc prod disc reqs - advertisement stage mc prod disc reqs - advertisement stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - MCIs 52 72 1 No 1 Yes Sysmiss mc prod disc reqs - shopping stage mc prod disc reqs - shopping stage mc prod disc reqs - shopping stage mc prod disc reqs - shopping stage mc prod disc reqs - shopping stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - MCIs 48 76 1 No 1 Yes Sysmiss mc prod disc reqs - precontractual stage mc prod disc reqs - precontractual stage mc prod disc reqs - precontractual stage mc prod disc reqs - precontractual stage mc prod disc reqs - precontractual stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - MCIs 52 72 1 No 1 Yes Sysmiss mc prod disc reqs - contractual stage mc prod disc reqs - contractual stage mc prod disc reqs - contractual stage mc prod disc reqs - contractual stage mc prod disc reqs - contractual stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - MCIs 52 72 1 No 1 Yes Sysmiss mc prod disc reqs - upon request mc prod disc reqs - upon request mc prod disc reqs - upon request mc prod disc reqs - upon request mc prod disc reqs - upon request Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - MCIs 53 71 1 No 1 Yes Sysmiss nb prod disc reqs - advertisement stage nb prod disc reqs - advertisement stage nb prod disc reqs - advertisement stage nb prod disc reqs - advertisement stage nb prod disc reqs - advertisement stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - NEIDs 60 64 1 No 1 Yes Sysmiss nb prod disc reqs - shopping stage nb prod disc reqs - shopping stage nb prod disc reqs - shopping stage nb prod disc reqs - shopping stage nb prod disc reqs - shopping stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - NEIDs 54 70 1 No 1 Yes Sysmiss nb prod disc reqs - precontractual stage nb prod disc reqs - precontractual stage nb prod disc reqs - precontractual stage nb prod disc reqs - precontractual stage nb prod disc reqs - precontractual stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - NEIDs 57 67 1 No 1 Yes Sysmiss nb prod disc reqs - contractual stage nb prod disc reqs - contractual stage nb prod disc reqs - contractual stage nb prod disc reqs - contractual stage nb prod disc reqs - contractual stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - NEIDs 56 68 1 No 1 Yes Sysmiss nb prod disc reqs - upon request nb prod disc reqs - upon request nb prod disc reqs - upon request nb prod disc reqs - upon request nb prod disc reqs - upon request Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - NEIDs 60 64 1 No 1 Yes Sysmiss cb prod disc reqs - any stage cb prod disc reqs - any stage cb prod disc reqs - any stage cb prod disc reqs - any stage cb prod disc reqs - any stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Commercial Banks 124 1 No 1 Yes ob prod disc reqs - any stage ob prod disc reqs - any stage ob prod disc reqs - any stage ob prod disc reqs - any stage ob prod disc reqs - any stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Other Banks 69 55 1 No 1 Yes Sysmiss fc prod disc reqs - any stage fc prod disc reqs - any stage fc prod disc reqs - any stage fc prod disc reqs - any stage fc prod disc reqs - any stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - Financial Cooperatives 78 46 1 No 1 Yes Sysmiss od prod disc reqs - any stage od prod disc reqs - any stage od prod disc reqs - any stage od prod disc reqs - any stage od prod disc reqs - any stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - ODTIs 65 59 1 No 1 Yes Sysmiss mc prod disc reqs - any stage mc prod disc reqs - any stage mc prod disc reqs - any stage mc prod disc reqs - any stage mc prod disc reqs - any stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - MCIs 61 63 1 No 1 Yes Sysmiss nd prod disc reqs - any stage nd prod disc reqs - any stage nd prod disc reqs - any stage nd prod disc reqs - any stage nd prod disc reqs - any stage Are there any requirements (law or regulation) for financial institutions to provide customers, in paper or electronic form, specific types of information (e.g. interest rate, fees and penalties, etc.) of the relevant financial product? Please mark all that apply. - NEIDs 72 52 1 No 1 Yes Sysmiss cb kfs reqs - shopping stage cb kfs reqs - shopping stage cb kfs reqs - shopping stage cb kfs reqs - shopping stage cb kfs reqs - shopping stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - Commercial Banks 111 13 1 No 1 Yes Sysmiss cb kfs reqs - pre-contractual cb kfs reqs - pre-contractual cb kfs reqs - pre-contractual cb kfs reqs - pre-contractual cb kfs reqs - pre-contractual With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - Commercial Banks 113 11 1 No 1 Yes Sysmiss cb kfs reqs - contractual stage cb kfs reqs - contractual stage cb kfs reqs - contractual stage cb kfs reqs - contractual stage cb kfs reqs - contractual stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - Commercial Banks 117 7 1 No 1 Yes Sysmiss cb kfs reqs - upon request cb kfs reqs - upon request cb kfs reqs - upon request cb kfs reqs - upon request cb kfs reqs - upon request With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - Commercial Banks 118 6 1 No 1 Yes Sysmiss ob kfs reqs - shopping stage ob kfs reqs - shopping stage ob kfs reqs - shopping stage ob kfs reqs - shopping stage ob kfs reqs - shopping stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - Other Banks 59 65 1 No 1 Yes Sysmiss ob kfs reqs - pre-contractual ob kfs reqs - pre-contractual ob kfs reqs - pre-contractual ob kfs reqs - pre-contractual ob kfs reqs - pre-contractual With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - Other Banks 59 65 1 No 1 Yes Sysmiss ob kfs reqs - contractual stage ob kfs reqs - contractual stage ob kfs reqs - contractual stage ob kfs reqs - contractual stage ob kfs reqs - contractual stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - Other Banks 61 63 1 No 1 Yes Sysmiss ob kfs reqs - upon request ob kfs reqs - upon request ob kfs reqs - upon request ob kfs reqs - upon request ob kfs reqs - upon request With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - Other Banks 62 62 1 No 1 Yes Sysmiss fc kfs reqs - shopping stage fc kfs reqs - shopping stage fc kfs reqs - shopping stage fc kfs reqs - shopping stage fc kfs reqs - shopping stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - Financial Cooperatives 61 63 1 No 1 Yes Sysmiss fc kfs reqs - pre-contractual fc kfs reqs - pre-contractual fc kfs reqs - pre-contractual fc kfs reqs - pre-contractual fc kfs reqs - pre-contractual With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - Financial Cooperatives 61 63 1 No 1 Yes Sysmiss fc kfs reqs - contractual stage fc kfs reqs - contractual stage fc kfs reqs - contractual stage fc kfs reqs - contractual stage fc kfs reqs - contractual stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - Financial Cooperatives 64 60 1 No 1 Yes Sysmiss fc kfs reqs - upon request fc kfs reqs - upon request fc kfs reqs - upon request fc kfs reqs - upon request fc kfs reqs - upon request With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - Financial Cooperatives 64 60 No 1 Yes Sysmiss od kfs reqs - shopping stage od kfs reqs - shopping stage od kfs reqs - shopping stage od kfs reqs - shopping stage od kfs reqs - shopping stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - ODTIs 55 69 1 No 1 Yes Sysmiss od kfs reqs - pre-contractual od kfs reqs - pre-contractual od kfs reqs - pre-contractual od kfs reqs - pre-contractual od kfs reqs - pre-contractual With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - ODTIs 54 70 1 No 1 Yes Sysmiss od kfs reqs - contractual stage od kfs reqs - contractual stage od kfs reqs - contractual stage od kfs reqs - contractual stage od kfs reqs - contractual stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - ODTIs 57 67 1 No 1 Yes Sysmiss od kfs reqs - upon request od kfs reqs - upon request od kfs reqs - upon request od kfs reqs - upon request od kfs reqs - upon request With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - ODTIs 57 67 1 No 1 Yes Sysmiss mc kfs reqs - shopping stage mc kfs reqs - shopping stage mc kfs reqs - shopping stage mc kfs reqs - shopping stage mc kfs reqs - shopping stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - MCIs 49 75 1 No 1 Yes Sysmiss mc kfs reqs - pre-contractual mc kfs reqs - pre-contractual mc kfs reqs - pre-contractual mc kfs reqs - pre-contractual mc kfs reqs - pre-contractual With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - MCIs 47 77 1 No 1 Yes Sysmiss mc kfs reqs - contractual stage mc kfs reqs - contractual stage mc kfs reqs - contractual stage mc kfs reqs - contractual stage mc kfs reqs - contractual stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - MCIs 50 74 1 No 1 Yes Sysmiss mc kfs reqs - upon request mc kfs reqs - upon request mc kfs reqs - upon request mc kfs reqs - upon request mc kfs reqs - upon request With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - MCIs 51 73 1 No 1 Yes Sysmiss nb kfs reqs - shopping stage nb kfs reqs - shopping stage nb kfs reqs - shopping stage nb kfs reqs - shopping stage nb kfs reqs - shopping stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - NEIDs 54 70 1 No 1 Yes Sysmiss nb kfs reqs - pre-contractual nb kfs reqs - pre-contractual nb kfs reqs - pre-contractual nb kfs reqs - pre-contractual nb kfs reqs - pre-contractual With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - NEIDs 56 68 1 No 1 Yes Sysmiss nb kfs reqs - contractual stage nb kfs reqs - contractual stage nb kfs reqs - contractual stage nb kfs reqs - contractual stage nb kfs reqs - contractual stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - NEIDs 58 66 1 No 1 Yes Sysmiss nb kfs reqs - upon request nb kfs reqs - upon request nb kfs reqs - upon request nb kfs reqs - upon request nb kfs reqs - upon request With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - NEIDs 57 67 1 No 1 Yes Sysmiss cb kfs reqs - any stage cb kfs reqs - any stage cb kfs reqs - any stage cb kfs reqs - any stage cb kfs reqs - any stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - Commercial Banks 124 1 No 1 Yes ob kfs reqs - any stage ob kfs reqs - any stage ob kfs reqs - any stage ob kfs reqs - any stage ob kfs reqs - any stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - Other Banks 69 55 1 No 1 Yes Sysmiss fc kfs reqs - any stage fc kfs reqs - any stage fc kfs reqs - any stage fc kfs reqs - any stage fc kfs reqs - any stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - Financial Cooperatives 78 46 1 No 1 Yes Sysmiss od kfs reqs - any stage od kfs reqs - any stage od kfs reqs - any stage od kfs reqs - any stage od kfs reqs - any stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - ODTIs 65 59 1 No 1 Yes Sysmiss mc kfs reqs - any stage mc kfs reqs - any stage mc kfs reqs - any stage mc kfs reqs - any stage mc kfs reqs - any stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - MCIs 61 63 1 No 1 Yes Sysmiss nb kfs reqs - any stage nb kfs reqs - any stage nb kfs reqs - any stage nb kfs reqs - any stage nb kfs reqs - any stage With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. - NEIDs 72 52 1 No 1 Yes Sysmiss over all kfs reqs over all kfs reqs over all kfs reqs over all kfs reqs over all kfs reqs With regard to the disclosure requirements referenced in F1, are there any requirements (law or regulation) for financial institutions to use a document with a standardized format in paper or electronic form (e.g. key facts statement, key disclosure document, synthesis document)? Please mark all that apply. 124 1 No 1 Yes cb manner of disc - plain lang cb manner of disc - plain lang cb manner of disc - plain lang cb manner of disc - plain lang cb manner of disc - plain lang By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - Commercial Banks Plain language requirement (clear and simple language that can be readily understood by any customer) 117 7 1 No 1 Yes Sysmiss cb manner of disc - local lang cb manner of disc - local lang cb manner of disc - local lang cb manner of disc - local lang cb manner of disc - local lang By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - Commercial Banks Local language requirement 114 10 1 No 1 Yes Sysmiss cb manner of disc - any form cb manner of disc - any form cb manner of disc - any form cb manner of disc - any form cb manner of disc - any form By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - Commercial Banks Any form requirements - e.g. durable media, oral communication 112 12 1 No 1 Yes Sysmiss cb manner of disc - recourse rights and processes cb manner of disc - recourse rights and processes cb manner of disc - recourse rights and processes cb manner of disc - recourse rights and processes cb manner of disc - recourse rights and processes By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - Commercial Banks Recourse rights and processes 113 11 1 No 1 Yes Sysmiss ob manner of disc - plain lang ob manner of disc - plain lang ob manner of disc - plain lang ob manner of disc - plain lang ob manner of disc - plain lang By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - Other Banks Plain language requirement (clear and simple language that can be readily understood by any customer) 59 65 1 No 1 Yes Sysmiss ob manner of disc - local lang ob manner of disc - local lang ob manner of disc - local lang ob manner of disc - local lang ob manner of disc - local lang By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - Other Banks Local language requirement 57 67 1 No 1 Yes Sysmiss ob manner of disc - any form ob manner of disc - any form ob manner of disc - any form ob manner of disc - any form ob manner of disc - any form By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - Other Banks Any form requirements - e.g. durable media, oral communication 56 68 1 No 1 Yes Sysmiss ob manner of disc - recourse rights and processes ob manner of disc - recourse rights and processes ob manner of disc - recourse rights and processes ob manner of disc - recourse rights and processes ob manner of disc - recourse rights and processes By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - Other Banks Recourse rights and processes 58 66 1 No 1 Yes Sysmiss fc manner of disc - plain lang fc manner of disc - plain lang fc manner of disc - plain lang fc manner of disc - plain lang fc manner of disc - plain lang By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - Financial Cooperatives Plain language requirement (clear and simple language that can be readily understood by any customer) 64 60 1 No 1 Yes Sysmiss fc manner of disc - local lang fc manner of disc - local lang fc manner of disc - local lang fc manner of disc - local lang fc manner of disc - local lang By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - Financial Cooperatives Local language requirement 62 62 1 No 1 Yes Sysmiss fc manner of disc - any form fc manner of disc - any form fc manner of disc - any form fc manner of disc - any form fc manner of disc - any form By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - Financial Cooperatives Any form requirements - e.g. durable media, oral communication 59 65 1 No 1 Yes Sysmiss fc manner of disc - recourse rights and processes fc manner of disc - recourse rights and processes fc manner of disc - recourse rights and processes fc manner of disc - recourse rights and processes fc manner of disc - recourse rights and processes By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - Financial Cooperatives Recourse rights and processes 59 65 1 No 1 Yes Sysmiss od manner of disc - plain lang od manner of disc - plain lang od manner of disc - plain lang od manner of disc - plain lang od manner of disc - plain lang By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - ODTIs Plain language requirement (clear and simple language that can be readily understood by any customer) 56 68 1 No 1 Yes Sysmiss od manner of disc - local lang od manner of disc - local lang od manner of disc - local lang od manner of disc - local lang od manner of disc - local lang By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - ODTIs Local language requirement 56 68 1 No 1 Yes Sysmiss od manner of disc - any form od manner of disc - any form od manner of disc - any form od manner of disc - any form od manner of disc - any form By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - ODTIs Any form requirements - e.g. durable media, oral communication 54 70 1 No 1 Yes Sysmiss od manner of disc - recourse rights and processes od manner of disc - recourse rights and processes od manner of disc - recourse rights and processes od manner of disc - recourse rights and processes od manner of disc - recourse rights and processes By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - ODTIs Recourse rights and processes 54 70 1 No 1 Yes Sysmiss mc manner of disc - plain lang mc manner of disc - plain lang mc manner of disc - plain lang mc manner of disc - plain lang mc manner of disc - plain lang By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - MCIs Plain language requirement (clear and simple language that can be readily understood by any customer) 52 72 1 No 1 Yes Sysmiss mc manner of disc - local lang mc manner of disc - local lang mc manner of disc - local lang mc manner of disc - local lang mc manner of disc - local lang By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - MCIs Local language requirement 50 74 1 No 1 Yes Sysmiss mc manner of disc - any form mc manner of disc - any form mc manner of disc - any form mc manner of disc - any form mc manner of disc - any form By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - MCIs Any form requirements - e.g. durable media, oral communication 45 79 1 No 1 Yes Sysmiss mc manner of disc - recourse rights and processes mc manner of disc - recourse rights and processes mc manner of disc - recourse rights and processes mc manner of disc - recourse rights and processes mc manner of disc - recourse rights and processes By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - MCIs Recourse rights and processes 49 75 1 No 1 Yes Sysmiss nb manner of disc - plain lang nb manner of disc - plain lang nb manner of disc - plain lang nb manner of disc - plain lang nb manner of disc - plain lang By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - NEIDs Plain language requirement (clear and simple language that can be readily understood by any customer) 57 67 1 No 1 Yes Sysmiss nb manner of disc - local lang nb manner of disc - local lang nb manner of disc - local lang nb manner of disc - local lang nb manner of disc - local lang By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - NEIDs Local language requirement 56 68 1 No 1 Yes Sysmiss nb manner of disc - any form nb manner of disc - any form nb manner of disc - any form nb manner of disc - any form nb manner of disc - any form By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - NEIDs Any form requirements - e.g. durable media, oral communication 54 70 1 No 1 Yes Sysmiss nb manner of disc - recourse rights and processes nb manner of disc - recourse rights and processes nb manner of disc - recourse rights and processes nb manner of disc - recourse rights and processes nb manner of disc - recourse rights and processes By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.1 General - NEIDs Recourse rights and processes 56 68 1 No 1 Yes Sysmiss cb - min balance req cb - min balance req cb - min balance req cb - min balance req cb - min balance req By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - Commercial Banks - Minimum balance requirements 108 16 1 No 1 Yes Sysmiss cb - a/c opening fee cb - a/c opening fee cb - a/c opening fee cb - a/c opening fee cb - a/c opening fee By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - Commercial Banks - Account opening fee 107 17 1 No 1 Yes Sysmiss cb - a/c maintainence fee cb - a/c maintainence fee cb - a/c maintainence fee cb - a/c maintainence fee cb - a/c maintainence fee By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - Commercial Banks - Account maintenance fee 110 14 1 No 1 Yes Sysmiss cb - a/c closure fees cb - a/c closure fees cb - a/c closure fees cb - a/c closure fees cb - a/c closure fees By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - Commercial Banks - Account closure fees 107 17 1 No 1 Yes Sysmiss cb - deposit insurance coverage availability cb - deposit insurance coverage availability cb - deposit insurance coverage availability cb - deposit insurance coverage availability cb - deposit insurance coverage availability By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - Commercial Banks - Deposit insurance coverage availability 105 19 1 No 1 Yes Sysmiss ob - min balance req ob - min balance req ob - min balance req ob - min balance req ob - min balance req By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - Other Banks - Minimum balance requirements 51 73 1 No 1 Yes Sysmiss ob - a/c opening fee ob - a/c opening fee ob - a/c opening fee ob - a/c opening fee ob - a/c opening fee By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - Other Banks - Account opening fee 49 75 1 No 1 Yes Sysmiss ob - a/c maintainence fee ob - a/c maintainence fee ob - a/c maintainence fee ob - a/c maintainence fee ob - a/c maintainence fee By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - Other Banks - Account maintenance fee 52 72 1 No 1 Yes Sysmiss ob - a/c closure fees ob - a/c closure fees ob - a/c closure fees ob - a/c closure fees ob - a/c closure fees By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - Other Banks - Account closure fees 51 73 1 No 1 Yes Sysmiss ob - deposit insurance coverage availability ob - deposit insurance coverage availability ob - deposit insurance coverage availability ob - deposit insurance coverage availability ob - deposit insurance coverage availability By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - Other Banks - Deposit insurance coverage availability 53 71 1 No 1 Yes Sysmiss fc - min balance req fc - min balance req fc - min balance req fc - min balance req fc - min balance req By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - Financial Cooperatives - Minimum balance requirements 55 69 1 No 1 Yes Sysmiss fc - a/c opening fee fc - a/c opening fee fc - a/c opening fee fc - a/c opening fee fc - a/c opening fee By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - Financial Cooperatives - Account opening fee 55 69 1 No 1 Yes Sysmiss fc - a/c maintainence fee fc - a/c maintainence fee fc - a/c maintainence fee fc - a/c maintainence fee fc - a/c maintainence fee By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - Financial Cooperatives - Account maintenance fee 55 69 1 No 1 Yes Sysmiss fc - a/c closure fees fc - a/c closure fees fc - a/c closure fees fc - a/c closure fees fc - a/c closure fees By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - Financial Cooperatives - Account closure fees 55 69 1 No 1 Yes Sysmiss fc - deposit insurance coverage availability fc - deposit insurance coverage availability fc - deposit insurance coverage availability fc - deposit insurance coverage availability fc - deposit insurance coverage availability By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - Financial Cooperatives - Deposit insurance coverage availability 53 71 1 No 1 Yes Sysmiss od - min balance req od - min balance req od - min balance req od - min balance req od - min balance req By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - ODTIs - Minimum balance requirements 51 73 1 No 1 Yes Sysmiss od - a/c opening fee od - a/c opening fee od - a/c opening fee od - a/c opening fee od - a/c opening fee By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - ODTIs - Account opening fee 51 73 1 No 1 Yes Sysmiss od - a/c maintainence fee od - a/c maintainence fee od - a/c maintainence fee od - a/c maintainence fee od - a/c maintainence fee By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - ODTIs - Account maintenance fee 51 73 1 No 1 Yes Sysmiss od - a/c closure fees od - a/c closure fees od - a/c closure fees od - a/c closure fees od - a/c closure fees By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - ODTIs - Account closure fees 51 73 1 No 1 Yes Sysmiss od - deposit insurance coverage availability od - deposit insurance coverage availability od - deposit insurance coverage availability od - deposit insurance coverage availability od - deposit insurance coverage availability By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - ODTIs - Deposit insurance coverage availability 47 77 1 No 1 Yes Sysmiss mc - min balance req mc - min balance req mc - min balance req mc - min balance req mc - min balance req By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - MCIs - Minimum balance requirements 29 95 1 No 1 Yes Sysmiss mc - a/c opening fee mc - a/c opening fee mc - a/c opening fee mc - a/c opening fee mc - a/c opening fee By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - MCIs - Account opening fee 29 95 1 No 1 Yes Sysmiss mc - a/c maintainence fee mc - a/c maintainence fee mc - a/c maintainence fee mc - a/c maintainence fee mc - a/c maintainence fee By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - MCIs - Account maintenance fee 29 95 1 No 1 Yes Sysmiss mc - a/c closure fees mc - a/c closure fees mc - a/c closure fees mc - a/c closure fees mc - a/c closure fees By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - MCIs - Account closure fees 29 95 1 No 1 Yes Sysmiss mc - deposit insurance coverage availability mc - deposit insurance coverage availability mc - deposit insurance coverage availability mc - deposit insurance coverage availability mc - deposit insurance coverage availability By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - MCIs - Deposit insurance coverage availability 28 96 1 No 1 Yes Sysmiss nb - min balance req nb - min balance req nb - min balance req nb - min balance req nb - min balance req By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - NEIDs - Minimum balance requirements 24 100 1 No 1 Yes Sysmiss nb - a/c opening fee nb - a/c opening fee nb - a/c opening fee nb - a/c opening fee nb - a/c opening fee By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - NEIDs - Account opening fee 26 98 1 No 1 Yes Sysmiss nb - a/c maintainence fee nb - a/c maintainence fee nb - a/c maintainence fee nb - a/c maintainence fee nb - a/c maintainence fee By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - NEIDs - Account maintenance fee 26 98 1 No 1 Yes Sysmiss nb - a/c closure fees nb - a/c closure fees nb - a/c closure fees nb - a/c closure fees nb - a/c closure fees By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - NEIDs - Account closure fees 25 99 1 No 1 Yes Sysmiss nb - deposit insurance coverage availability nb - deposit insurance coverage availability nb - deposit insurance coverage availability nb - deposit insurance coverage availability nb - deposit insurance coverage availability By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.2 Deposit Products - NEIDs - Deposit insurance coverage availability 24 100 1 No 1 Yes Sysmiss cb - eff int rate cal using std formula cb - eff int rate cal using std formula cb - eff int rate cal using std formula cb - eff int rate cal using std formula cb - eff int rate cal using std formula By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - Commercial Banks - Effective interest rate calculated using a standard formula 118 6 1 No 1 Yes Sysmiss cb - fees & penalties cb - fees & penalties cb - fees & penalties cb - fees & penalties cb - fees & penalties By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - Commercial Banks - Fees and penalties 117 7 1 No 1 Yes Sysmiss cb - comp method cb - comp method cb - comp method cb - comp method cb - comp method By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - Commercial Banks - Computation method (average balance, interest) 116 8 1 No 1 Yes Sysmiss cb - required insurance cb - required insurance cb - required insurance cb - required insurance cb - required insurance By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - Commercial Banks - Required insurance 110 14 1 No 1 Yes Sysmiss cb - specific warnings cb - specific warnings cb - specific warnings cb - specific warnings cb - specific warnings By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - Commercial Banks - Specific warnings (e.g. related to overindebtedness or late repayment) 117 7 1 No 1 Yes Sysmiss ob - eff int rate cal using std formula ob - eff int rate cal using std formula ob - eff int rate cal using std formula ob - eff int rate cal using std formula ob - eff int rate cal using std formula By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - Other Banks - Effective interest rate calculated using a standard formula 58 66 1 No 1 Yes Sysmiss ob - fees & penalties ob - fees & penalties ob - fees & penalties ob - fees & penalties ob - fees & penalties By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - Other Banks - Fees and penalties 57 67 1 No 1 Yes Sysmiss ob - comp method ob - comp method ob - comp method ob - comp method ob - comp method By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - Other Banks - Computation method (average balance, interest) 56 68 1 No 1 Yes Sysmiss ob - required insurance ob - required insurance ob - required insurance ob - required insurance ob - required insurance By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - Other Banks - Required insurance 51 73 1 No 1 Yes Sysmiss ob - specific warnings ob - specific warnings ob - specific warnings ob - specific warnings ob - specific warnings By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - Other Banks - Specific warnings (e.g. related to overindebtedness or late repayment) 57 67 1 No 1 Yes Sysmiss fc - eff int rate cal using std formula fc - eff int rate cal using std formula fc - eff int rate cal using std formula fc - eff int rate cal using std formula fc - eff int rate cal using std formula By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - Financial Cooperatives - Effective interest rate calculated using a standard formula 61 63 1 No 1 Yes Sysmiss fc - fees & penalties fc - fees & penalties fc - fees & penalties fc - fees & penalties fc - fees & penalties By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - Financial Cooperatives - Fees and penalties 62 62 1 No 1 Yes Sysmiss fc - comp method fc - comp method fc - comp method fc - comp method fc - comp method By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - Financial Cooperatives - Computation method (average balance, interest) 58 66 1 No 1 Yes Sysmiss fc - required insurance fc - required insurance fc - required insurance fc - required insurance fc - required insurance By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - Financial Cooperatives - Required insurance 57 67 1 No 1 Yes Sysmiss fc - specific warnings fc - specific warnings fc - specific warnings fc - specific warnings fc - specific warnings By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - Financial Cooperatives - Specific warnings (e.g. related to overindebtedness or late repayment) 60 64 1 No 1 Yes Sysmiss od - eff int rate cal using std formula od - eff int rate cal using std formula od - eff int rate cal using std formula od - eff int rate cal using std formula od - eff int rate cal using std formula By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - ODTIs - Effective interest rate calculated using a standard formula 51 73 1 No 1 Yes Sysmiss od - fees & penalties od - fees & penalties od - fees & penalties od - fees & penalties od - fees & penalties By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - ODTIs - Fees and penalties 51 73 1 No 1 Yes Sysmiss od - comp method od - comp method od - comp method od - comp method od - comp method By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - ODTIs - Computation method (average balance, interest) 50 74 1 No 1 Yes Sysmiss od - required insurance od - required insurance od - required insurance od - required insurance od - required insurance By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - ODTIs - Required insurance 49 75 1 No 1 Yes Sysmiss od - specific warnings od - specific warnings od - specific warnings od - specific warnings od - specific warnings By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - ODTIs - Specific warnings (e.g. related to overindebtedness or late repayment) 53 71 1 No 1 Yes Sysmiss mc - eff int rate cal using std formula mc - eff int rate cal using std formula mc - eff int rate cal using std formula mc - eff int rate cal using std formula mc - eff int rate cal using std formula By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - MCIs - Effective interest rate calculated using a standard formula 53 71 1 No 1 Yes Sysmiss mc - fees & penalties mc - fees & penalties mc - fees & penalties mc - fees & penalties mc - fees & penalties By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - MCIs - Fees and penalties 53 71 1 No 1 Yes Sysmiss mc - comp method mc - comp method mc - comp method mc - comp method mc - comp method By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - MCIs - Computation method (average balance, interest) 51 73 1 No 1 Yes Sysmiss mc - required insurance mc - required insurance mc - required insurance mc - required insurance mc - required insurance By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - MCIs - Required insurance 50 74 1 No 1 Yes Sysmiss mc - specific warnings mc - specific warnings mc - specific warnings mc - specific warnings mc - specific warnings By law or regulation, at the shopping and/or pre-contractual stage, do the disclosure requirements cover: F3.3 Credit Products - MCIs - Specific warnings (e.g. related to overindebtedness or late repayment) 50 74 1 No 1 Yes Sysmiss cb - prod statement, yes - free of charge cb - prod statement, yes - free of charge cb - prod statement, yes - free of charge cb - prod statement, yes - free of charge cb - prod statement, yes - free of charge By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - Commercial Banks - Yes, periodic statement must be provided free of charge 123 1 1 No 1 Yes Sysmiss cb - prod statement, no - but given free of charge upon request cb - prod statement, no - but given free of charge upon request cb - prod statement, no - but given free of charge upon request cb - prod statement, no - but given free of charge upon request cb - prod statement, no - but given free of charge upon request By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - Commercial Banks - No, but a statement can be provided free of charge upon request 123 1 1 No 1 Yes Sysmiss cb - prod statement, no - but purchase as additional service cb - prod statement, no - but purchase as additional service cb - prod statement, no - but purchase as additional service cb - prod statement, no - but purchase as additional service cb - prod statement, no - but purchase as additional service By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - Commercial Banks - No, but customer can purchase this additional service 123 1 1 No 1 Yes Sysmiss cb - prod statement, regs do not specify cb - prod statement, regs do not specify cb - prod statement, regs do not specify cb - prod statement, regs do not specify cb - prod statement, regs do not specify By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - Commercial Banks - Regulations do not specify 123 1 1 No 1 Yes Sysmiss ob - prod statement, yes - free of charge ob - prod statement, yes - free of charge ob - prod statement, yes - free of charge ob - prod statement, yes - free of charge ob - prod statement, yes - free of charge By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - Other Banks - Yes, periodic statement must be provided free of charge 69 55 1 No 1 Yes Sysmiss ob - prod statement, no - but given free of charge upon request ob - prod statement, no - but given free of charge upon request ob - prod statement, no - but given free of charge upon request ob - prod statement, no - but given free of charge upon request ob - prod statement, no - but given free of charge upon request By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - Other Banks - No, but a statement can be provided free of charge upon request 69 55 1 No 1 Yes Sysmiss ob - prod statement, no - but purchase as additional service ob - prod statement, no - but purchase as additional service ob - prod statement, no - but purchase as additional service ob - prod statement, no - but purchase as additional service ob - prod statement, no - but purchase as additional service By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - Other Banks - No, but customer can purchase this additional service 69 55 1 No 1 Yes Sysmiss ob - prod statement, regs do not specify ob - prod statement, regs do not specify ob - prod statement, regs do not specify ob - prod statement, regs do not specify ob - prod statement, regs do not specify By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - Other Banks - Regulations do not specify 69 55 1 No 1 Yes Sysmiss fc - prod statement, yes - free of charge fc - prod statement, yes - free of charge fc - prod statement, yes - free of charge fc - prod statement, yes - free of charge fc - prod statement, yes - free of charge By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - Financial Cooperatives - Yes, periodic statement must be provided free of charge 77 47 1 No 1 Yes Sysmiss fc - prod statement, no - but given free of charge upon request fc - prod statement, no - but given free of charge upon request fc - prod statement, no - but given free of charge upon request fc - prod statement, no - but given free of charge upon request fc - prod statement, no - but given free of charge upon request By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - Financial Cooperatives - No, but a statement can be provided free of charge upon request 77 47 1 No 1 Yes Sysmiss fc - prod statement, no - but purchase as additional service fc - prod statement, no - but purchase as additional service fc - prod statement, no - but purchase as additional service fc - prod statement, no - but purchase as additional service fc - prod statement, no - but purchase as additional service By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - Financial Cooperatives - No, but customer can purchase this additional service 77 47 1 No 1 Yes Sysmiss fc - prod statement, regs do not specify fc - prod statement, regs do not specify fc - prod statement, regs do not specify fc - prod statement, regs do not specify fc - prod statement, regs do not specify By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - Financial Cooperatives - Regulations do not specify 77 47 1 No 1 Yes Sysmiss od - prod statement, yes - free of charge od - prod statement, yes - free of charge od - prod statement, yes - free of charge od - prod statement, yes - free of charge od - prod statement, yes - free of charge By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - ODTIs - Yes, periodic statement must be provided free of charge 64 60 1 No 1 Yes Sysmiss od - prod statement, no - but given free of charge upon request od - prod statement, no - but given free of charge upon request od - prod statement, no - but given free of charge upon request od - prod statement, no - but given free of charge upon request od - prod statement, no - but given free of charge upon request By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - ODTIs - No, but a statement can be provided free of charge upon request 64 60 1 No 1 Yes Sysmiss od - prod statement, no - but purchase as additional service od - prod statement, no - but purchase as additional service od - prod statement, no - but purchase as additional service od - prod statement, no - but purchase as additional service od - prod statement, no - but purchase as additional service By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - ODTIs - No, but customer can purchase this additional service 64 60 1 No 1 Yes Sysmiss od - prod statement, regs do not specify od - prod statement, regs do not specify od - prod statement, regs do not specify od - prod statement, regs do not specify od - prod statement, regs do not specify By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - ODTIs - Regulations do not specify 64 60 1 No 1 Yes Sysmiss mc - prod statement, yes - free of charge mc - prod statement, yes - free of charge mc - prod statement, yes - free of charge mc - prod statement, yes - free of charge mc - prod statement, yes - free of charge By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - MCIs - Yes, periodic statement must be provided free of charge 60 64 1 No 1 Yes Sysmiss mc - prod statement, no - but given free of charge upon request mc - prod statement, no - but given free of charge upon request mc - prod statement, no - but given free of charge upon request mc - prod statement, no - but given free of charge upon request mc - prod statement, no - but given free of charge upon request By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - MCIs - No, but a statement can be provided free of charge upon request 60 64 1 No 1 Yes Sysmiss mc - prod statement, no - but purchase as additional service mc - prod statement, no - but purchase as additional service mc - prod statement, no - but purchase as additional service mc - prod statement, no - but purchase as additional service mc - prod statement, no - but purchase as additional service By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - MCIs - No, but customer can purchase this additional service 60 64 1 No 1 Yes Sysmiss mc - prod statement, regs do not specify mc - prod statement, regs do not specify mc - prod statement, regs do not specify mc - prod statement, regs do not specify mc - prod statement, regs do not specify By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - MCIs - Regulations do not specify 60 64 1 No 1 Yes Sysmiss nb - prod statement, yes - free of charge nb - prod statement, yes - free of charge nb - prod statement, yes - free of charge nb - prod statement, yes - free of charge nb - prod statement, yes - free of charge By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - NEIDs - Yes, periodic statement must be provided free of charge 72 52 1 No 1 Yes Sysmiss nb - prod statement, no - but given free of charge upon request nb - prod statement, no - but given free of charge upon request nb - prod statement, no - but given free of charge upon request nb - prod statement, no - but given free of charge upon request nb - prod statement, no - but given free of charge upon request By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - NEIDs - No, but a statement can be provided free of charge upon request 72 52 1 No 1 Yes Sysmiss nb - prod statement, no - but purchase as additional service nb - prod statement, no - but purchase as additional service nb - prod statement, no - but purchase as additional service nb - prod statement, no - but purchase as additional service nb - prod statement, no - but purchase as additional service By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - NEIDs - No, but customer can purchase this additional service 72 52 1 No 1 Yes Sysmiss nb - prod statement, regs do not specify nb - prod statement, regs do not specify nb - prod statement, regs do not specify nb - prod statement, regs do not specify nb - prod statement, regs do not specify By law or regulation, are financial institutions required to provide their customers with product statements after the contract is signed? - NEIDs - Regulations do not specify 72 52 1 No 1 Yes Sysmiss cb - effective interest yield cb - effective interest yield cb - effective interest yield cb - effective interest yield cb - effective interest yield By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - Commercial Banks Effective interest yield calculated using a standard formula 81 43 1 No 1 Yes Sysmiss cb - amt of int earned cb - amt of int earned cb - amt of int earned cb - amt of int earned cb - amt of int earned By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - Commercial Banks Amount of interest earned 80 44 1 No 1 Yes Sysmiss cb - fees imposed cb - fees imposed cb - fees imposed cb - fees imposed cb - fees imposed By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - Commercial Banks Fees imposed 81 43 1 No 1 Yes Sysmiss cb - a/c balance cb - a/c balance cb - a/c balance cb - a/c balance cb - a/c balance By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - Commercial Banks Account balance 81 43 1 No 1 Yes Sysmiss ob - effective interest yield ob - effective interest yield ob - effective interest yield ob - effective interest yield ob - effective interest yield By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - Other Banks Effective interest yield calculated using a standard formula 34 90 1 No 1 Yes Sysmiss ob - amt of int earned ob - amt of int earned ob - amt of int earned ob - amt of int earned ob - amt of int earned By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - Other Banks Amount of interest earned 32 92 1 No 1 Yes Sysmiss ob - fees imposed ob - fees imposed ob - fees imposed ob - fees imposed ob - fees imposed By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - Other Banks Fees imposed 33 91 1 No 1 Yes Sysmiss ob - a/c balance ob - a/c balance ob - a/c balance ob - a/c balance ob - a/c balance By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - Other Banks Account balance 32 92 1 No 1 Yes Sysmiss fc - effective interest yield fc - effective interest yield fc - effective interest yield fc - effective interest yield fc - effective interest yield By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - Financial Cooperatives Effective interest yield calculated using a standard formula 38 86 1 No 1 Yes Sysmiss fc - amt of int earned fc - amt of int earned fc - amt of int earned fc - amt of int earned fc - amt of int earned By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - Financial Cooperatives Amount of interest earned 38 86 1 No 1 Yes Sysmiss fc - fees imposed fc - fees imposed fc - fees imposed fc - fees imposed fc - fees imposed By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - Financial Cooperatives Fees imposed 38 86 1 No 1 Yes Sysmiss fc - a/c balance fc - a/c balance fc - a/c balance fc - a/c balance fc - a/c balance By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - Financial Cooperatives Account balance 37 87 1 No 1 Yes Sysmiss od - effective interest yield od - effective interest yield od - effective interest yield od - effective interest yield od - effective interest yield By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - ODTIs Effective interest yield calculated using a standard formula 31 93 1 No 1 Yes Sysmiss od - amt of int earned od - amt of int earned od - amt of int earned od - amt of int earned od - amt of int earned By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - ODTIs Amount of interest earned 30 94 1 No 1 Yes Sysmiss od - fees imposed od - fees imposed od - fees imposed od - fees imposed od - fees imposed By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - ODTIs Fees imposed 32 92 1 No 1 Yes Sysmiss od - a/c balance od - a/c balance od - a/c balance od - a/c balance od - a/c balance By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - ODTIs Account balance 32 92 1 No 1 Yes Sysmiss nb - effective interest yield nb - effective interest yield nb - effective interest yield nb - effective interest yield nb - effective interest yield By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - NEIDs Effective interest yield calculated using a standard formula 15 109 1 No 1 Yes Sysmiss nb - amt of int earned nb - amt of int earned nb - amt of int earned nb - amt of int earned nb - amt of int earned By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - NEIDs Amount of interest earned 15 109 1 No 1 Yes Sysmiss nb - fees imposed nb - fees imposed nb - fees imposed nb - fees imposed nb - fees imposed By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - NEIDs Fees imposed 17 107 1 No 1 Yes Sysmiss nb - a/c balance nb - a/c balance nb - a/c balance nb - a/c balance nb - a/c balance By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.2 Deposit Products - NEIDs Account balance 17 107 1 No 1 Yes Sysmiss cb - trans info for the reporting period cb - trans info for the reporting period cb - trans info for the reporting period cb - trans info for the reporting period cb - trans info for the reporting period By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Commercial Banks All transactions concerning the account for the period covered by the statement 80 44 1 No 1 Yes Sysmiss cb - eff int rate cal using std formula cb - eff int rate cal using std formula cb - eff int rate cal using std formula cb - eff int rate cal using std formula cb - eff int rate cal using std formula By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Commercial Banks Effective interest rate calculated using a standard formula 80 44 1 No 1 Yes Sysmiss cb - int charged cb - int charged cb - int charged cb - int charged cb - int charged By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Commercial Banks Interest charged for the period 82 42 1 No 1 Yes Sysmiss cb - fees charged cb - fees charged cb - fees charged cb - fees charged cb - fees charged By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Commercial Banks Fees charged for the period 82 42 1 No 1 Yes Sysmiss cb - min amt due cb - min amt due cb - min amt due cb - min amt due cb - min amt due By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Commercial Banks Minimum amount due 82 42 1 No 1 Yes Sysmiss cb - due date cb - due date cb - due date cb - due date cb - due date By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Commercial Banks Due date 80 44 1 No 1 Yes Sysmiss cb - outstanding balance cb - outstanding balance cb - outstanding balance cb - outstanding balance cb - outstanding balance By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Commercial Banks Outstanding balance 81 43 1 No 1 Yes Sysmiss ob - trans info for the reporting period ob - trans info for the reporting period ob - trans info for the reporting period ob - trans info for the reporting period ob - trans info for the reporting period By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Other Banks All transactions concerning the account for the period covered by the statement 36 88 1 No 1 Yes Sysmiss ob - eff int rate cal using std formula ob - eff int rate cal using std formula ob - eff int rate cal using std formula ob - eff int rate cal using std formula ob - eff int rate cal using std formula By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Other Banks Effective interest rate calculated using a standard formula 36 88 1 No 1 Yes Sysmiss ob - int charged ob - int charged ob - int charged ob - int charged ob - int charged By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Other Banks Interest charged for the period 36 88 1 No 1 Yes Sysmiss ob - fees charged ob - fees charged ob - fees charged ob - fees charged ob - fees charged By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Other Banks Fees charged for the period 36 88 1 No 1 Yes Sysmiss ob - min amt due ob - min amt due ob - min amt due ob - min amt due ob - min amt due By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Other Banks Minimum amount due 36 88 1 No 1 Yes Sysmiss ob - due date ob - due date ob - due date ob - due date ob - due date By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Other Banks Due date 35 89 1 No 1 Yes Sysmiss ob - outstanding balance ob - outstanding balance ob - outstanding balance ob - outstanding balance ob - outstanding balance By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Other Banks Outstanding balance 35 89 1 No 1 Yes Sysmiss fc - trans info for the reporting period fc - trans info for the reporting period fc - trans info for the reporting period fc - trans info for the reporting period fc - trans info for the reporting period By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Financial Cooperatives All transactions concerning the account for the period covered by the statement 36 88 1 No 1 Yes Sysmiss fc - eff int rate cal using std formula fc - eff int rate cal using std formula fc - eff int rate cal using std formula fc - eff int rate cal using std formula fc - eff int rate cal using std formula By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Financial Cooperatives Effective interest rate calculated using a standard formula 37 87 1 No 1 Yes Sysmiss fc - int charged fc - int charged fc - int charged fc - int charged fc - int charged By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Financial Cooperatives Interest charged for the period 38 86 1 No 1 Yes Sysmiss fc - fees charged fc - fees charged fc - fees charged fc - fees charged fc - fees charged By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Financial Cooperatives Fees charged for the period 39 85 1 No 1 Yes Sysmiss fc - min amt due fc - min amt due fc - min amt due fc - min amt due fc - min amt due By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Financial Cooperatives Minimum amount due 39 85 1 No 1 Yes Sysmiss fc - due date fc - due date fc - due date fc - due date fc - due date By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Financial Cooperatives Due date 37 87 1 No 1 Yes Sysmiss fc - outstanding balance fc - outstanding balance fc - outstanding balance fc - outstanding balance fc - outstanding balance By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - Financial Cooperatives Outstanding balance 38 86 1 No 1 Yes Sysmiss od - trans info for the reporting period od - trans info for the reporting period od - trans info for the reporting period od - trans info for the reporting period od - trans info for the reporting period By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - ODTIs All transactions concerning the account for the period covered by the statement 32 92 1 No 1 Yes Sysmiss od - eff int rate cal using std formula od - eff int rate cal using std formula od - eff int rate cal using std formula od - eff int rate cal using std formula od - eff int rate cal using std formula By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - ODTIs Effective interest rate calculated using a standard formula 32 92 1 No 1 Yes Sysmiss od - int charged od - int charged od - int charged od - int charged od - int charged By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - ODTIs Interest charged for the period 33 91 1 No 1 Yes Sysmiss od - fees charged od - fees charged od - fees charged od - fees charged od - fees charged By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - ODTIs Fees charged for the period 33 91 1 No 1 Yes Sysmiss od - min amt due od - min amt due od - min amt due od - min amt due od - min amt due By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - ODTIs Minimum amount due 33 91 1 No 1 Yes Sysmiss od - due date od - due date od - due date od - due date od - due date By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - ODTIs Due date 32 92 1 No 1 Yes Sysmiss od - outstanding balance od - outstanding balance od - outstanding balance od - outstanding balance od - outstanding balance By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - ODTIs Outstanding balance 33 91 1 No 1 Yes Sysmiss mc - trans info for the reporting period mc - trans info for the reporting period mc - trans info for the reporting period mc - trans info for the reporting period mc - trans info for the reporting period By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - MCIs All transactions concerning the account for the period covered by the statement 22 102 1 No 1 Yes Sysmiss mc - eff int rate cal using std formula mc - eff int rate cal using std formula mc - eff int rate cal using std formula mc - eff int rate cal using std formula mc - eff int rate cal using std formula By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - MCIs Effective interest rate calculated using a standard formula 24 100 1 No 1 Yes Sysmiss mc - int charged mc - int charged mc - int charged mc - int charged mc - int charged By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - MCIs Interest charged for the period 25 99 1 No 1 Yes Sysmiss mc - fees charged mc - fees charged mc - fees charged mc - fees charged mc - fees charged By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - MCIs Fees charged for the period 25 99 1 No 1 Yes Sysmiss mc - min amt due mc - min amt due mc - min amt due mc - min amt due mc - min amt due By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - MCIs Minimum amount due 25 99 1 No 1 Yes Sysmiss mc - due date mc - due date mc - due date mc - due date mc - due date By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - MCIs Due date 25 99 1 No 1 Yes Sysmiss mc - outstanding balance mc - outstanding balance mc - outstanding balance mc - outstanding balance mc - outstanding balance By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - MCIs Outstanding balance 25 99 1 No 1 Yes Sysmiss nb - trans info for the reporting period nb - trans info for the reporting period nb - trans info for the reporting period nb - trans info for the reporting period nb - trans info for the reporting period By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - NEIDs All transactions concerning the account for the period covered by the statement 17 107 1 No 1 Yes Sysmiss nb - eff int rate cal using std formula nb - eff int rate cal using std formula nb - eff int rate cal using std formula nb - eff int rate cal using std formula nb - eff int rate cal using std formula By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - NEIDs Effective interest rate calculated using a standard formula 16 108 1 No 1 Yes Sysmiss nb - int charged nb - int charged nb - int charged nb - int charged nb - int charged By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - NEIDs Interest charged for the period 15 109 1 No 1 Yes Sysmiss nb - fees charged nb - fees charged nb - fees charged nb - fees charged nb - fees charged By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - NEIDs Fees charged for the period 17 107 1 No 1 Yes Sysmiss nb - min amt due nb - min amt due nb - min amt due nb - min amt due nb - min amt due By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - NEIDs Minimum amount due 17 107 1 No 1 Yes Sysmiss nb - due date nb - due date nb - due date nb - due date nb - due date By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - NEIDs Due date 17 107 1 No 1 Yes Sysmiss nb - outstanding balance nb - outstanding balance nb - outstanding balance nb - outstanding balance nb - outstanding balance By law or regulation, do the disclosure requirements for product statements mentioned in question F4 above cover: - F5.3 Credit Products - NEIDs Outstanding balance 17 107 1 No 1 Yes Sysmiss cb - notify if changes in t&c cb - notify if changes in t&c cb - notify if changes in t&c cb - notify if changes in t&c cb - notify if changes in t&c By law or regulation, are financial institutions required to notify their customers of any changes in the terms and conditions? - Commercial Banks 115 9 1 No 1 Yes Sysmiss ob - notify if changes in t&c ob - notify if changes in t&c ob - notify if changes in t&c ob - notify if changes in t&c ob - notify if changes in t&c By law or regulation, are financial institutions required to notify their customers of any changes in the terms and conditions? - Other Banks 58 66 1 No 1 Yes Sysmiss fc - notify if changes in t&c fc - notify if changes in t&c fc - notify if changes in t&c fc - notify if changes in t&c fc - notify if changes in t&c By law or regulation, are financial institutions required to notify their customers of any changes in the terms and conditions? - Financial Cooperatives 64 60 1 No 1 Yes Sysmiss od - notify if changes in t&c od - notify if changes in t&c od - notify if changes in t&c od - notify if changes in t&c od - notify if changes in t&c By law or regulation, are financial institutions required to notify their customers of any changes in the terms and conditions? - ODTIs 57 67 1 No 1 Yes Sysmiss mc - notify if changes in t&c mc - notify if changes in t&c mc - notify if changes in t&c mc - notify if changes in t&c mc - notify if changes in t&c By law or regulation, are financial institutions required to notify their customers of any changes in the terms and conditions? - MCIs 50 74 1 No 1 Yes Sysmiss nb - notify if changes in t&c nb - notify if changes in t&c nb - notify if changes in t&c nb - notify if changes in t&c nb - notify if changes in t&c By law or regulation, are financial institutions required to notify their customers of any changes in the terms and conditions? - NEIDs 60 64 1 No 1 Yes Sysmiss restrict excessive borrowing - explicit limits restrict excessive borrowing - explicit limits restrict excessive borrowing - explicit limits restrict excessive borrowing - explicit limits restrict excessive borrowing - explicit limits Are there any provisions in the existing laws and regulations that restrict excessive borrowing by individuals (to ensure affordability/avoid over-indebtedness by individual borrowers) - Yes, there are explicit limits set by regulations (i.e. debt to income ratio) 122 2 1 No 1 Yes Sysmiss restrict excessive borrowing - assess borrower ability, no specific limits set restrict excessive borrowing - assess borrower ability, no specific limits set restrict excessive borrowing - assess borrower ability, no specific limits set restrict excessive borrowing - assess borrower ability, no specific limits set restrict excessive borrowing - assess borrower ability, no specific limits set Are there any provisions in the existing laws and regulations that restrict excessive borrowing by individuals (to ensure affordability/avoid over-indebtedness by individual borrowers) - Yes, regulations require lending institutions to assess borrower ability to repay the loan, but no specific limits are set 122 2 1 No 1 Yes Sysmiss restrict excessive borrowing - other restrict excessive borrowing - other restrict excessive borrowing - other restrict excessive borrowing - other restrict excessive borrowing - other Are there any provisions in the existing laws and regulations that restrict excessive borrowing by individuals (to ensure affordability/avoid over-indebtedness by individual borrowers) - Yes, other (please describe briefly) 122 2 1 No 1 Yes Sysmiss restrict excessive borrowing - no provisions restrict excessive borrowing - no provisions restrict excessive borrowing - no provisions restrict excessive borrowing - no provisions restrict excessive borrowing - no provisions Are there any provisions in the existing laws and regulations that restrict excessive borrowing by individuals (to ensure affordability/avoid over-indebtedness by individual borrowers) - No 122 2 1 No 1 Yes Sysmiss using any t&c that is unfair, excessively unbalanced or abusive using any t&c that is unfair, excessively unbalanced or abusive using any t&c that is unfair, excessively unbalanced or abusive using any t&c that is unfair, excessively unbalanced or abusive using any t&c that is unfair, excessively unbalanced or abusive Are there any provisions in the existing laws and regulations that prohibit or restrict financial institutions from carrying out any of the following practices: Please mark all that apply. - Using, in a consumer agreement, any term or condition that is unfair, excessively unbalanced or abusive; 120 4 1 No 1 Yes Sysmiss using any t&c that excludes or restricts the liability of the FSP using any t&c that excludes or restricts the liability of the FSP using any t&c that excludes or restricts the liability of the FSP using any t&c that excludes or restricts the liability of the FSP using any t&c that excludes or restricts the liability of the FSP Are there any provisions in the existing laws and regulations that prohibit or restrict financial institutions from carrying out any of the following practices: Please mark all that apply. - Using in a consumer agreement, any term or condition that excludes or restricts the liability of the financial service provider; 117 7 1 No 1 Yes Sysmiss using any t&c that excludes or restricts the right of the consumer using any t&c that excludes or restricts the right of the consumer using any t&c that excludes or restricts the right of the consumer using any t&c that excludes or restricts the right of the consumer using any t&c that excludes or restricts the right of the consumer Are there any provisions in the existing laws and regulations that prohibit or restrict financial institutions from carrying out any of the following practices: Please mark all that apply. - Using in a consumer agreement, any term or condition that excludes or restricts the right of the consumer; 121 3 1 No 1 Yes Sysmiss discriminating certain segments discriminating certain segments discriminating certain segments discriminating certain segments discriminating certain segments Are there any provisions in the existing laws and regulations that prohibit or restrict financial institutions from carrying out any of the following practices: Please mark all that apply. - Discriminating certain segments, such as women, indigenous populations, or based on faith, political affiliation, the manner a consumer dresses; 117 7 1 No 1 Yes Sysmiss bundling and tying services and products bundling and tying services and products bundling and tying services and products bundling and tying services and products bundling and tying services and products Are there any provisions in the existing laws and regulations that prohibit or restrict financial institutions from carrying out any of the following practices: Please mark all that apply. - Bundling and tying services and products in a manner that unduly restricts the choice of consumers. 115 9 1 No 1 Yes Sysmiss limit fees and charges for a/c closure limit fees and charges for a/c closure limit fees and charges for a/c closure limit fees and charges for a/c closure limit fees and charges for a/c closure Are there any of the following provisions in existing laws and/or regulations that prohibit or restrict terms and practices which limit customer mobility between financial institutions - Provisions that limit fees and charges for account closure; 117 7 1 No 1 Yes Sysmiss prohibit extra burdening procedures for a/c closure prohibit extra burdening procedures for a/c closure prohibit extra burdening procedures for a/c closure prohibit extra burdening procedures for a/c closure prohibit extra burdening procedures for a/c closure Are there any of the following provisions in existing laws and/or regulations that prohibit or restrict terms and practices which limit customer mobility between financial institutions - Provisions that prohibit extra burdening procedures for account closure; 115 9 1 No 1 Yes Sysmiss allow consumers a cooling-off period allow consumers a cooling-off period allow consumers a cooling-off period allow consumers a cooling-off period allow consumers a cooling-off period Are there any of the following provisions in existing laws and/or regulations that prohibit or restrict terms and practices which limit customer mobility between financial institutions - Provisions which allow consumers a cooling-off period for certain products during which they can withdraw from the product or service without incurring penalties; 119 5 1 No 1 Yes Sysmiss lmit early repayment penalties lmit early repayment penalties lmit early repayment penalties lmit early repayment penalties lmit early repayment penalties Are there any of the following provisions in existing laws and/or regulations that prohibit or restrict terms and practices which limit customer mobility between financial institutions - Provisions that limit early repayment penalties. 118 6 1 No 1 Yes Sysmiss min level of prof competence/training for relevant staff min level of prof competence/training for relevant staff min level of prof competence/training for relevant staff min level of prof competence/training for relevant staff min level of prof competence/training for relevant staff Are financial institutions required by law or regulation to have certain minimum level of professional competence/training for relevant personnel dealing with consumers? 124 1 No 1 Yes min prof comp/training - credit officers min prof comp/training - credit officers min prof comp/training - credit officers min prof comp/training - credit officers min prof comp/training - credit officers Please specify to which categories the law or regulation to have certain minimum level of professional competence/training applies: Please mark all that apply. - Credit officers 124 1 No 1 Yes min prof comp/training - recovery officers min prof comp/training - recovery officers min prof comp/training - recovery officers min prof comp/training - recovery officers min prof comp/training - recovery officers Please specify to which categories the law or regulation to have certain minimum level of professional competence/training applies: Please mark all that apply. - Recovery officers 124 1 No 1 Yes min prof comp/training - marketing staff min prof comp/training - marketing staff min prof comp/training - marketing staff min prof comp/training - marketing staff min prof comp/training - marketing staff Please specify to which categories the law or regulation to have certain minimum level of professional competence/training applies: Please mark all that apply. - Marketing staff 124 1 No 1 Yes min prof comp/training - complaints officers min prof comp/training - complaints officers min prof comp/training - complaints officers min prof comp/training - complaints officers min prof comp/training - complaints officers Please specify to which categories the law or regulation to have certain minimum level of professional competence/training applies: Please mark all that apply. - Complaints officers 124 1 No 1 Yes min prof comp/training - agents and intermediaries min prof comp/training - agents and intermediaries min prof comp/training - agents and intermediaries min prof comp/training - agents and intermediaries min prof comp/training - agents and intermediaries Please specify to which categories the law or regulation to have certain minimum level of professional competence/training applies: Please mark all that apply. - Agents and intermediaries 124 1 No 1 Yes min prof comp/training - customer service reps min prof comp/training - customer service reps min prof comp/training - customer service reps min prof comp/training - customer service reps min prof comp/training - customer service reps Please specify to which categories the law or regulation to have certain minimum level of professional competence/training applies: Please mark all that apply. - Customer service representatives 124 1 No 1 Yes min standards for debt collection practices min standards for debt collection practices min standards for debt collection practices min standards for debt collection practices min standards for debt collection practices Are there any provisions in the existing laws or regulations that require minimum standards for debt collection practices: 123 1 1 No 1 Yes Sysmiss law/Regulation Set Standards for Complaints Resolution and Handling law/Regulation Set Standards for Complaints Resolution and Handling law/Regulation Set Standards for Complaints Resolution and Handling law/Regulation Set Standards for Complaints Resolution and Handling law/Regulation Set Standards for Complaints Resolution and Handling Does any law or regulation set standards for complaints resolution and handling by financial institutions? No (Skip to H2) 118 6 1 No 1 Yes Sysmiss idr - req to implement procedures and processes for resolving customer complaint idr - req to implement procedures and processes for resolving customer complaint idr - req to implement procedures and processes for resolving customer complaint idr - req to implement procedures and processes for resolving customer complaint idr - req to implement procedures and processes for resolving customer complaint Does any law or regulation set standards in any of the following areas for complaints resolution and handling by financial institutions? Please mark all that apply. - Requirements for financial institutions to implement procedures and processes for resolving customer complaints 124 1 No 1 Yes idr - req to have a designated, independent offer or unit in charge of complaint idr - req to have a designated, independent offer or unit in charge of complaint idr - req to have a designated, independent offer or unit in charge of complaint idr - req to have a designated, independent offer or unit in charge of complaint idr - req to have a designated, independent offer or unit in charge of complaint Does any law or regulation set standards in any of the following areas for complaints resolution and handling by financial institutions? Please mark all that apply. - Requirement for financial institutions to have a designated, independent offer or unit in charge of handling customer complaints 124 1 No 1 Yes idr - timeliness of response idr - timeliness of response idr - timeliness of response idr - timeliness of response idr - timeliness of response Does any law or regulation set standards in any of the following areas for complaints resolution and handling by financial institutions? Please mark all that apply. - Timeliness of response by financial institution 124 1 No 1 Yes idr - accessibility idr - accessibility idr - accessibility idr - accessibility idr - accessibility Does any law or regulation set standards in any of the following areas for complaints resolution and handling by financial institutions? Please mark all that apply. - Accessibility (i.e. consumer can file a complaint via multiple channels, including local branch, by phone, e-mail, etc.) 124 1 No 1 Yes idr - record-keeping idr - record-keeping idr - record-keeping idr - record-keeping idr - record-keeping Does any law or regulation set standards in any of the following areas for complaints resolution and handling by financial institutions? Please mark all that apply. - Record-keeping of complaints 124 1 No 1 Yes idr - reporting complaints data to a govt agency idr - reporting complaints data to a govt agency idr - reporting complaints data to a govt agency idr - reporting complaints data to a govt agency idr - reporting complaints data to a govt agency Does any law or regulation set standards in any of the following areas for complaints resolution and handling by financial institutions? Please mark all that apply. - Reporting complaints data to a government agency 124 1 No 1 Yes idr - providing consumers the details of a relevant external dispute resolution idr - providing consumers the details of a relevant external dispute resolution idr - providing consumers the details of a relevant external dispute resolution idr - providing consumers the details of a relevant external dispute resolution idr - providing consumers the details of a relevant external dispute resolution Does any law or regulation set standards in any of the following areas for complaints resolution and handling by financial institutions? Please mark all that apply. - Providing consumers the details of a relevant external dispute resolution mechanism (if any) 124 1 No 1 Yes adr exists adr exists adr exists adr exists adr exists Is there any out-of-court alternative dispute resolution (ADR) entity in place that allows a customer of a financial institution to seek affordable and efficient recourse with a third party in the event that the customer's complaint is not resolved to the customer's satisfaction under internal procedures of the relevant financial institution? Please mark all that apply. - Yes, a scheme that provides binding decisions (e.g. ombudsman, adjudication) No, dispute has to be resolved in court (Skip to I1) 123 1 1 No 1 Yes Sysmiss adr scheme provides both binding decisions & mediation services adr scheme provides both binding decisions & mediation services adr scheme provides both binding decisions & mediation services adr scheme provides both binding decisions & mediation services adr scheme provides both binding decisions & mediation services Is there any out-of-court alternative dispute resolution (ADR) entity in place that allows a customer of a financial institution to seek affordable and efficient recourse with a third party in the event that the customer's complaint is not resolved to the customer's satisfaction under internal procedures of the relevant financial institution? Please mark all that apply. - Yes, a scheme that provides mediation services No, dispute has to be resolved in court (Skip to I1) 75 49 1 No 1 Yes Sysmiss adr scheme provides binding decisions adr scheme provides binding decisions adr scheme provides binding decisions adr scheme provides binding decisions adr scheme provides binding decisions Is there any out-of-court alternative dispute resolution (ADR) entity in place that allows a customer of a financial institution to seek affordable and efficient recourse with a third party in the event that the customer's complaint is not resolved to the customer's satisfaction under internal procedures of the relevant financial institution? Please mark all that apply. No, dispute has to be resolved in court (Skip to I1) 75 49 1 No 1 Yes Sysmiss adr scheme provides mediation services adr scheme provides mediation services adr scheme provides mediation services adr scheme provides mediation services adr scheme provides mediation services Is there any out-of-court alternative dispute resolution (ADR) entity in place that allows a customer of a financial institution to seek affordable and efficient recourse with a third party in the event that the customer's complaint is not resolved to the customer's satisfaction under internal procedures of the relevant financial institution? Please mark all that apply. No, dispute has to be resolved in court (Skip to I1) 75 49 1 No 1 Yes Sysmiss statutory scheme statutory scheme statutory scheme statutory scheme statutory scheme Please indicate whether: - It is a statutory scheme: 74 50 1 No 1 Yes Sysmiss voluntary industry-based scheme voluntary industry-based scheme voluntary industry-based scheme voluntary industry-based scheme voluntary industry-based scheme Please indicate whether: It is a voluntary, industry-based scheme (Skip to H9) 74 50 1 No 1 Yes Sysmiss mandatory industry-based scheme mandatory industry-based scheme mandatory industry-based scheme mandatory industry-based scheme mandatory industry-based scheme Please indicate whether: It is a mandatory, industry-based scheme (Skip to H9) 74 50 1 No 1 Yes Sysmiss statutory scheme - focuses only on fin services statutory scheme - focuses only on fin services statutory scheme - focuses only on fin services statutory scheme - focuses only on fin services statutory scheme - focuses only on fin services If it is a statutory scheme, is it: 46 78 1 No 1 Yes Sysmiss statutory scheme - more general ADR entity statutory scheme - more general ADR entity statutory scheme - more general ADR entity statutory scheme - more general ADR entity statutory scheme - more general ADR entity If it is a statutory scheme, is it: 46 78 1 No 1 Yes Sysmiss adr entity within fin sector regulator adr entity within fin sector regulator adr entity within fin sector regulator adr entity within fin sector regulator adr entity within fin sector regulator Please also indicate whether such scheme: - Is within the financial sector regulator; 46 78 1 No 1 Yes Sysmiss adr entity independent from fin sector regulator adr entity independent from fin sector regulator adr entity independent from fin sector regulator adr entity independent from fin sector regulator adr entity independent from fin sector regulator Please also indicate whether such scheme: - Is independent from the financial sector regulator. 46 78 1 No 1 Yes Sysmiss adr entity funded by central govt. allocated budget adr entity funded by central govt. allocated budget adr entity funded by central govt. allocated budget adr entity funded by central govt. allocated budget adr entity funded by central govt. allocated budget Regarding the ADR entity specified in H3, how is it funded? Please mark all that apply - From a budget allocated by the central government 72 52 1 No 1 Yes Sysmiss adr entity funded by other govt. authority adr entity funded by other govt. authority adr entity funded by other govt. authority adr entity funded by other govt. authority adr entity funded by other govt. authority Regarding the ADR entity specified in H3, how is it funded? Please mark all that apply - From an annual budget allocated by a government authority (i.e. Ministry, Central Bank, Financial Regulator, Consumer Protection Agency, etc.) 72 52 1 No 1 Yes Sysmiss adr entity funded by fin industry association adr entity funded by fin industry association adr entity funded by fin industry association adr entity funded by fin industry association adr entity funded by fin industry association Regarding the ADR entity specified in H3, how is it funded? Please mark all that apply - By a financial industry association 72 52 1 No 1 Yes Sysmiss adr entity funded by direct member contribution adr entity funded by direct member contribution adr entity funded by direct member contribution adr entity funded by direct member contribution adr entity funded by direct member contribution Regarding the ADR entity specified in H3, how is it funded? Please mark all that apply - By direct contribution of members to the ADR entity 72 52 1 No 1 Yes Sysmiss adr entity funded by combo of govt. and other sources adr entity funded by combo of govt. and other sources adr entity funded by combo of govt. and other sources adr entity funded by combo of govt. and other sources adr entity funded by combo of govt. and other sources Regarding the ADR entity specified in H3, how is it funded? Please mark all that apply - 72 52 1 No 1 Yes Sysmiss first submit complaint to relevant fsp first submit complaint to relevant fsp first submit complaint to relevant fsp first submit complaint to relevant fsp first submit complaint to relevant fsp Does the ADR entity require that consumers first submit their complaints to the relevant financial institution? 77 47 1 No 1 Yes Sysmiss maintain database of registered complaints maintain database of registered complaints maintain database of registered complaints maintain database of registered complaints maintain database of registered complaints Does the ADR entity conduct any of the following activities? (Please mark all that apply) - Maintain a database of registered/recorded complaints 75 49 1 No 1 Yes Sysmiss analyze complaints data analyze complaints data analyze complaints data analyze complaints data analyze complaints data Does the ADR entity conduct any of the following activities? (Please mark all that apply) - Analyze the complaints/complaints data to identify trends 76 48 1 No 1 Yes Sysmiss pass complaints trends to regulator pass complaints trends to regulator pass complaints trends to regulator pass complaints trends to regulator pass complaints trends to regulator Does the ADR entity conduct any of the following activities? (Please mark all that apply) - Communicate these trends to the regulator 74 50 1 No 1 Yes Sysmiss publish complaints stats publish complaints stats publish complaints stats publish complaints stats publish complaints stats Does the ADR entity conduct any of the following activities? (Please mark all that apply) - Regularly publish complaints statistics 76 48 1 No 1 Yes Sysmiss report complaints stats to regulator report complaints stats to regulator report complaints stats to regulator report complaints stats to regulator report complaints stats to regulator Does the ADR entity conduct any of the following activities? (Please mark all that apply) - Report complaints statistics to the regulator 75 49 1 No 1 Yes Sysmiss issues complained - unclear int or fees issues complained - unclear int or fees issues complained - unclear int or fees issues complained - unclear int or fees issues complained - unclear int or fees What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent Rank the top most frequent issues complained about - Unclear interest or fees (any product type) 51 73 1 No 1 Yes Sysmiss issues complained - excessive int or fees issues complained - excessive int or fees issues complained - excessive int or fees issues complained - excessive int or fees issues complained - excessive int or fees What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent Rank the top most frequent issues complained about - Excessive interest or fees (any product type) 51 73 1 No 1 Yes Sysmiss issues complained - fraud issues complained - fraud issues complained - fraud issues complained - fraud issues complained - fraud What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent Rank the top most frequent issues complained about - Fraud 51 73 1 No 1 Yes Sysmiss issues complained - mistaken/unauthorized trans issues complained - mistaken/unauthorized trans issues complained - mistaken/unauthorized trans issues complained - mistaken/unauthorized trans issues complained - mistaken/unauthorized trans What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent Rank the top most frequent issues complained about - Mistaken/unauthorized transactions 51 73 1 No 1 Yes Sysmiss issues complained - bundling/tying of products issues complained - bundling/tying of products issues complained - bundling/tying of products issues complained - bundling/tying of products issues complained - bundling/tying of products What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent Rank the top most frequent issues complained about - Bundling and tying of products 51 73 1 No 1 Yes Sysmiss issues complained - atm trans issues complained - atm trans issues complained - atm trans issues complained - atm trans issues complained - atm trans What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent Rank the top most frequent issues complained about - ATM transactions (withdrawal, deposit 51 73 1 No 1 Yes Sysmiss issues complained - agents issues complained - agents issues complained - agents issues complained - agents issues complained - agents What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent Rank the top most frequent issues complained about - Agents 51 73 1 No 1 Yes Sysmiss issues complained - insurance claim not paid issues complained - insurance claim not paid issues complained - insurance claim not paid issues complained - insurance claim not paid issues complained - insurance claim not paid What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent Rank the top most frequent issues complained about - Insurance claim not paid 51 73 1 No 1 Yes Sysmiss issues complained - undue burden to switch providers or terminate product issues complained - undue burden to switch providers or terminate product issues complained - undue burden to switch providers or terminate product issues complained - undue burden to switch providers or terminate product issues complained - undue burden to switch providers or terminate product What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent Rank the top most frequent issues complained about - Undue burden to switch providers or terminate product 51 73 1 No 1 Yes Sysmiss issues complained - other issues complained - other issues complained - other issues complained - other issues complained - other What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent Rank the top most frequent issues complained about - Other 51 73 1 No 1 Yes Sysmiss product complained - credit card product complained - credit card product complained - credit card product complained - credit card product complained - credit card What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent - Rank the top most products complained about : Credit card 56 68 1 No 1 Yes Sysmiss product complained - debit card product complained - debit card product complained - debit card product complained - debit card product complained - debit card What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent - Rank the top most products complained about : Debit card 56 68 1 No 1 Yes Sysmiss product complained - mortgage loan product complained - mortgage loan product complained - mortgage loan product complained - mortgage loan product complained - mortgage loan What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent - Rank the top most products complained about : Mortgage/housing loan 56 68 1 No 1 Yes Sysmiss product complained - consumer loan product complained - consumer loan product complained - consumer loan product complained - consumer loan product complained - consumer loan What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent - Rank the top most products complained about : Consumer loan 56 68 1 No 1 Yes Sysmiss product complained - micro loan product complained - micro loan product complained - micro loan product complained - micro loan product complained - micro loan What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent - Rank the top most products complained about : Micro loan 56 68 1 No 1 Yes Sysmiss product complained - deposit a/c product complained - deposit a/c product complained - deposit a/c product complained - deposit a/c product complained - deposit a/c What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent - Rank the top most products complained about : Deposit account 56 68 1 No 1 Yes Sysmiss product complained - current a/c product complained - current a/c product complained - current a/c product complained - current a/c product complained - current a/c What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent - Rank the top most products complained about : Current account 56 68 1 No 1 Yes Sysmiss product complained - life insurance product complained - life insurance product complained - life insurance product complained - life insurance product complained - life insurance What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent - Rank the top most products complained about : Life insurance 56 68 1 No 1 Yes Sysmiss product complained - non-life insurance product complained - non-life insurance product complained - non-life insurance product complained - non-life insurance product complained - non-life insurance What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent - Rank the top most products complained about : Non-life insurance products 56 68 1 No 1 Yes Sysmiss product complained - e-money product complained - e-money product complained - e-money product complained - e-money product complained - e-money What are the most frequent reasons for complaints received by the ADR entity related to financial consumer protection (not including "not being approved for a loan")? Please rank the top most frequent issues and products complained about by assigning numbers 1, 2, and 3, with 1 being the most frequent and 10 being the least frequent - Rank the top most products complained about : E-money product 56 68 1 No 1 Yes Sysmiss formal definition for fin edu or fin literacy or fin capability formal definition for fin edu or fin literacy or fin capability formal definition for fin edu or fin literacy or fin capability formal definition for fin edu or fin literacy or fin capability formal definition for fin edu or fin literacy or fin capability Does your country have an official definition of any of the following terms? 120 4 1 No 1 Yes Sysmiss single agency single agency single agency single agency single agency Is there any agency responsible for leading and/or coordinating financial education policy and programs? - Yes, a single agency. 121 3 1 No 1 Yes Sysmiss multiple agencies multiple agencies multiple agencies multiple agencies multiple agencies Is there any agency responsible for leading and/or coordinating financial education policy and programs? - Yes, multiple agencies 121 3 1 No 1 Yes Sysmiss other other other other other Is there any agency responsible for leading and/or coordinating financial education policy and programs? - Other --- please describe: 121 3 1 No 1 Yes Sysmiss no agency no agency no agency no agency no agency Is there any agency responsible for leading and/or coordinating financial education policy and programs? - No No [Skip to I4] 121 3 1 No 1 Yes Sysmiss dedicated national, multi-stakeholder structure for coord fin edu dedicated national, multi-stakeholder structure for coord fin edu dedicated national, multi-stakeholder structure for coord fin edu dedicated national, multi-stakeholder structure for coord fin edu dedicated national, multi-stakeholder structure for coord fin edu Does a dedicated, national, multi-stakeholder structure exist to promote and coordinate the provision of financial education in your country? - Yes 121 3 1 No 1 Yes Sysmiss no dedicated structure, but addressed under broader mandate for coord fin edu no dedicated structure, but addressed under broader mandate for coord fin edu no dedicated structure, but addressed under broader mandate for coord fin edu no dedicated structure, but addressed under broader mandate for coord fin edu no dedicated structure, but addressed under broader mandate for coord fin edu Does a dedicated, national, multi-stakeholder structure exist to promote and coordinate the provision of financial education in your country? - No, but it is addressed under the mandate of a broader multi-stakeholder structure (e.g. for financial inclusion) (Skip to I6) 121 3 1 No 1 Yes Sysmiss no dedicated structure for coord fin edu no dedicated structure for coord fin edu no dedicated structure for coord fin edu no dedicated structure for coord fin edu no dedicated structure for coord fin edu Does a dedicated, national, multi-stakeholder structure exist to promote and coordinate the provision of financial education in your country? - No (Skip to I6) 121 3 1 No 1 Yes Sysmiss govt. only govt. only govt. only govt. only govt. only Who participates in the multi-stakeholder structure? Please mark all that apply. - Government authorities 51 73 1 No 1 Yes Sysmiss industry only industry only industry only industry only industry only Who participates in the multi-stakeholder structure? Please mark all that apply. - Industry (e.g. financial service providers) 51 73 1 No 1 Yes Sysmiss govt. and industry only govt. and industry only govt. and industry only govt. and industry only govt. and industry only Who participates in the multi-stakeholder structure? Please mark all that apply. - Non-governmental organizations 51 73 1 No 1 Yes Sysmiss govt., industry and NGOs govt., industry and NGOs govt., industry and NGOs govt., industry and NGOs govt., industry and NGOs Who participates in the multi-stakeholder structure? Please mark all that apply. 51 73 1 No 1 Yes Sysmiss national mapping of fin edu activities national mapping of fin edu activities national mapping of fin edu activities national mapping of fin edu activities national mapping of fin edu activities Has the government, either by itself or in coordination with another institution, undertaken a national mapping of financial education activities in the past five years? 119 5 1 No 1 Yes Sysmiss collect data from a ltd set of providers of fin edu collect data from a ltd set of providers of fin edu collect data from a ltd set of providers of fin edu collect data from a ltd set of providers of fin edu collect data from a ltd set of providers of fin edu Does the government regularly collect data directly from providers of financial education programs on the reach (e.g. number of beneficiaries) of their programs?. - Yes, from a defined or limited set of providers of financial education 119 5 1 No 1 Yes Sysmiss collect data from all known providers of fin edu collect data from all known providers of fin edu collect data from all known providers of fin edu collect data from all known providers of fin edu collect data from all known providers of fin edu Does the government regularly collect data directly from providers of financial education programs on the reach (e.g. number of beneficiaries) of their programs?. - Yes, from all known providers of financial education 119 5 1 No 1 Yes Sysmiss dedicated survey on fin cap dedicated survey on fin cap dedicated survey on fin cap dedicated survey on fin cap dedicated survey on fin cap Has a nationally representative individual- or household-level survey of financial capability been conducted in your country in the past five years? - Yes, a dedicated survey on financial capability 120 4 1 No 1 Yes Sysmiss fin cap part of broader survey fin cap part of broader survey fin cap part of broader survey fin cap part of broader survey fin cap part of broader survey Has a nationally representative individual- or household-level survey of financial capability been conducted in your country in the past five years? - Yes, as part of a broader survey (e.g. related financial inclusion or financial consumer protection) 120 4 1 No 1 Yes Sysmiss govt. issued guidelines directed at ltd set of providers of fin edu govt. issued guidelines directed at ltd set of providers of fin edu govt. issued guidelines directed at ltd set of providers of fin edu govt. issued guidelines directed at ltd set of providers of fin edu govt. issued guidelines directed at ltd set of providers of fin edu Has the government issued written guidelines to providers of financial education on content and/or approaches to the provision of financial education? - Yes, directed at a defined or limited set of providers of financial education (e.g. schools) 119 5 1 No 1 Yes Sysmiss govt. issued guidelines directed at all providers of fin edu govt. issued guidelines directed at all providers of fin edu govt. issued guidelines directed at all providers of fin edu govt. issued guidelines directed at all providers of fin edu govt. issued guidelines directed at all providers of fin edu Has the government issued written guidelines to providers of financial education on content and/or approaches to the provision of financial education? - Yes, directed at all providers of financial education 119 5 1 No 1 Yes Sysmiss ltd set FSPs req to provide fin edu ltd set FSPs req to provide fin edu ltd set FSPs req to provide fin edu ltd set FSPs req to provide fin edu ltd set FSPs req to provide fin edu Does the government explicitly require (i.e. via regulation, guidelines, or circular) financial institutions to provide financial education? - Yes, directed at a defined or limited set of financial institutions (e.g. cooperatives, or financial institutions in a specific region) 118 6 1 No 1 Yes Sysmiss all FSPs req to provide fin edu all FSPs req to provide fin edu all FSPs req to provide fin edu all FSPs req to provide fin edu all FSPs req to provide fin edu Does the government explicitly require (i.e. via regulation, guidelines, or circular) financial institutions to provide financial education? - Yes, directed at all financial institutions 118 6 1 No 1 Yes Sysmiss fin edu integrated into G2P prg fin edu integrated into G2P prg fin edu integrated into G2P prg fin edu integrated into G2P prg fin edu integrated into G2P prg Is financial education included as a component of any government-provided social assistance programs (e.g. as an element of cash transfer programs)? 118 6 1 No 1 Yes Sysmiss fin edu pub sch curric - distinct topic fin edu pub sch curric - distinct topic fin edu pub sch curric - distinct topic fin edu pub sch curric - distinct topic fin edu pub sch curric - distinct topic Is financial education included as a topic or subject in public school curriculums? - Yes, as a distinct topic or subject 120 4 1 No 1 Yes Sysmiss fin edu pub sch curric - subtopic fin edu pub sch curric - subtopic fin edu pub sch curric - subtopic fin edu pub sch curric - subtopic fin edu pub sch curric - subtopic Is financial education included as a topic or subject in public school curriculums? - Yes, as a subtopic integrated into one or multiple other topics or subjects 120 4 1 No 1 Yes Sysmiss fin edu pub sch curric - planned implementation fin edu pub sch curric - planned implementation fin edu pub sch curric - planned implementation fin edu pub sch curric - planned implementation fin edu pub sch curric - planned implementation Is financial education included as a topic or subject in public school curriculums? - No, but planned implementation within next 1-2 years 120 4 1 No 1 Yes Sysmiss fin edu pub sch curric - planned devlp of curric fin edu pub sch curric - planned devlp of curric fin edu pub sch curric - planned devlp of curric fin edu pub sch curric - planned devlp of curric fin edu pub sch curric - planned devlp of curric Is financial education included as a topic or subject in public school curriculums? - No, but planned development of curriculum within next 1-2 years 120 4 1 No 1 Yes Sysmiss fin edu pub sch curric - not included fin edu pub sch curric - not included fin edu pub sch curric - not included fin edu pub sch curric - not included fin edu pub sch curric - not included Is financial education included as a topic or subject in public school curriculums? - No (Skip to I14) 120 4 1 No 1 Yes Sysmiss fin edu pub sch curric - primary fin edu pub sch curric - primary fin edu pub sch curric - primary fin edu pub sch curric - primary fin edu pub sch curric - primary For which education levels is financial education included as a topic in public school curriculums (current or planned)? Please mark all that apply. a. Primary 83 41 1 No 1 Yes Sysmiss fin edu pub sch curric - junior secondary fin edu pub sch curric - junior secondary fin edu pub sch curric - junior secondary fin edu pub sch curric - junior secondary fin edu pub sch curric - junior secondary For which education levels is financial education included as a topic in public school curriculums (current or planned)? Please mark all that apply. b. Junior secondary 83 41 1 No 1 Yes Sysmiss fin edu pub sch curric - senior secondary fin edu pub sch curric - senior secondary fin edu pub sch curric - senior secondary fin edu pub sch curric - senior secondary fin edu pub sch curric - senior secondary For which education levels is financial education included as a topic in public school curriculums (current or planned)? Please mark all that apply. c. Senior secondary 83 41 1 No 1 Yes Sysmiss fin edu pub sch curric - university level fin edu pub sch curric - university level fin edu pub sch curric - university level fin edu pub sch curric - university level fin edu pub sch curric - university level For which education levels is financial education included as a topic in public school curriculums (current or planned)? Please mark all that apply. d. University level 83 41 1 No 1 Yes Sysmiss govt. website to disclose pricing and t&C info govt. website to disclose pricing and t&C info govt. website to disclose pricing and t&C info govt. website to disclose pricing and t&C info govt. website to disclose pricing and t&C info Does the government, either by itself or in coordination with another institution, maintain a website with the objective of improving the financial capability of the public? Please mark all that apply. a. Yes, to disclose information on the pricing and terms of financial products and services 118 6 1 No 1 Yes Sysmiss govt. website with edu content, tools and resources govt. website with edu content, tools and resources govt. website with edu content, tools and resources govt. website with edu content, tools and resources govt. website with edu content, tools and resources Does the government, either by itself or in coordination with another institution, maintain a website with the objective of improving the financial capability of the public? Please mark all that apply. b. Yes, with educational content, tools, and resources for broader financial education purposes 118 6 1 No 1 Yes Sysmiss