National Competent Authorities (NCAs) for the AML/CTF supervision of financial institutions in the EU
From the Austrian Financial Market Authority (FMA) to the Financial Supervision Commission in Bulgaria, each member state has specific regulatory bodies ensuring adherence to Directive 2015/849. Whether it’s credit institutions, e-money providers, or investment firms, our resource covers the full spectrum of financial entities, offering clarity and direction for compliance officers and financial professionals navigating the complex regulatory environment. Stay informed and ensure your institution aligns with the highest standards of financial compliance and integrity.
| Member state | Name of the authority | Credit Institutions | E-money Institutions | Payment Institutions |
|---|---|---|---|---|
| Austria | Austrian Financial Market Authority (FMA) | x | x | x |
| Belgium | National bank of Belgium | x | x | x |
| Belgium | Financial Services and Markets Authority (FSMA) | |||
| Bulgaria | Bulgarian National Bank | x | x | x |
| Bulgaria | FID SANS (FIU) | x | x | x |
| Bulgaria | Financial Supervision Commission Bulgaria | |||
| Croatia | Croatian Financial Services Supervisory Agency | |||
| Croatia | Croatian National Bank | x | x | x |
| Croatia | Ministry of Finance, Financial Inspectorate | x | ||
| Cyprus | Insurance Companies Control Service (ICCS) | |||
| Cyprus | Cyprus Securities and Exchange Commission | |||
| Cyprus | Central Bank of Cyprus | x | x | x |
| Czech Republic | Czech National Bank (CNB) | x | x | x |
| Czech Republic | Financial Analytical Office of the Czech Republic | x | x | x |
| Denmark | Finanstilsynet | x | x | x |
| Estonia | Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) | x | x | x |
| Estonia | Estonian FIU | |||
| Finland | FIN-FSA | x | x | x |
| Finland | The Regional State Administrative Agency for Southern Finland | |||
| France | Autorité des marchés financiers (AMF) | |||
| France | Autorité de contrôle prudentiel et de résolution (ACPR) | x | x | x |
| Germany | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) | x | x | x |
| Greece | Hellenic Capital Market Commission | |||
| Greece | Bank of Greece | x | x | x |
| Hungary | Magyar Nemzeti Bank (The Central Bank of Hungary) | x | x | x |
| Iceland | Central Bank of Iceland | x | x | x |
| Ireland | Central Bank of Ireland | x | x | x |
| Italy | Banca d'Italia | x | x | x |
| Italy | "IVASS" - Institute for Insurance Supervision | |||
| Italy | OAM (Organismo degli Agenti e dei Mediatori) | |||
| Latvia | Consumer Rights Protection Centre of Latvia | |||
| Latvia | Latvijas Banka | |||
| Latvia | Financial and Capital Markets Commission | x | x | |
| Liechtenstein | FMA Liechtenstein | x | x | x |
| Lithuania | Financial Crime Investigation Service under The Ministry of the Interior of the Republic of Lithuania (FIU) | x | x | x |
| Lithuania | Bank of Lithuania | x | x | x |
| Luxemburg | Commission de Surveillance du Secteur Financier CSSF | x | x | x |
| Luxemburg | Commissariat aux Assurances (CAA) | |||
| Malta | Malta Financial Services Authority (MFSA) and Financial Intelligence Analysis Unit (FIAU) | x | x | x |
| Netherlands | The Dutch Authority for the Financial Markets (AFM) | |||
| Netherlands | De Nederlandsche Bank (DNB) | x | x | x |
| Norway | The Finanvcial Supervisory Authority of Norway | x | x | x |
| Poland | Komisja Nadzoru Finansowego (FSA Poland) | x | x | x |
| Poland | Generalny Inspektor Informacji Finansowej (FIU Poland) | x | x | x |
| Poland | Narodowy Bank Polski (NBP) | |||
| Portugal | Banco de Portugal | x | x | x |
| Portugal | Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) (Portugal) | |||
| Portugal | CMVM - Comissão do Mercado de Valores Mobiliários (Portugal) | x | ||
| Romania | Autoritatea de Supraveghere Financiară (ASF) | |||
| Romania | National Bank of Romania | x | x | x |
| Romania | National Office for Prevention and Control of Money Laundering | |||
| Slovakia | Finančná spravodajská jednotka (FIU) | x | x | x |
| Slovakia | Národná Banka Slovenska (National Bank of Slovakia) | x | x | x |
| Slovenia | SECURITIES MARKET AGENCY (Slovenia) | |||
| Slovenia | Bank of Slovenia | x | x | x |
| Slovenia | Office for Money Laundering Prevention | x | x | x |
| Slovenia | Insurance Supervision Agency (AZN) (Slovenia) | |||
| Spain | SEPBLAC, in cooperation with Banco de España, CNMV and DGSFP | x | x | x |
| Sweden | Finansinspektionen (Sweden) | x | x | x |
| Member state | Name of the authority | Investement firms | Investment funds |
|---|---|---|---|
| Austria | Austrian Financial Market Authority (FMA) | x | x |
| Belgium | National bank of Belgium | x | |
| Belgium | Financial Services and Markets Authority (FSMA) | x | x |
| Bulgaria | Bulgarian National Bank | ||
| Bulgaria | FID SANS (FIU) | x | x |
| Bulgaria | Financial Supervision Commission Bulgaria | x | x |
| Croatia | Croatian Financial Services Supervisory Agency | x | x |
| Croatia | Croatian National Bank | ||
| Croatia | Ministry of Finance, Financial Inspectorate | ||
| Cyprus | Insurance Companies Control Service (ICCS) | ||
| Cyprus | Cyprus Securities and Exchange Commission | x | x |
| Cyprus | Central Bank of Cyprus | ||
| Czech Republic | Czech National Bank (CNB) | x | x |
| Czech Republic | Financial Analytical Office of the Czech Republic | x | x |
| Denmark | Finanstilsynet | x | x |
| Estonia | Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) | x | x |
| Estonia | Estonian FIU | ||
| Finland | FIN-FSA | x | x |
| Finland | The Regional State Administrative Agency for Southern Finland | ||
| France | Autorité des marchés financiers (AMF) | x | x |
| France | Autorité de contrôle prudentiel et de résolution (ACPR) | x | |
| Germany | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) | x | x |
| Greece | Hellenic Capital Market Commission | x | x |
| Greece | Bank of Greece | x | x |
| Hungary | Magyar Nemzeti Bank (The Central Bank of Hungary) | x | x |
| Iceland | Central Bank of Iceland | x | x |
| Ireland | Central Bank of Ireland | x | x |
| Italy | Banca d'Italia | x | x |
| Italy | "IVASS" - Institute for Insurance Supervision | ||
| Italy | OAM (Organismo degli Agenti e dei Mediatori) | ||
| Latvia | Consumer Rights Protection Centre of Latvia | ||
| Latvia | Latvijas Banka | ||
| Latvia | Financial and Capital Markets Commission | x | x |
| Liechtenstein | FMA Liechtenstein | x | x |
| Lithuania | Financial Crime Investigation Service under The Ministry of the Interior of the Republic of Lithuania (FIU) | x | x |
| Lithuania | Bank of Lithuania | x | x |
| Luxemburg | Commission de Surveillance du Secteur Financier CSSF | x | x |
| Luxemburg | Commissariat aux Assurances (CAA) | ||
| Malta | Malta Financial Services Authority (MFSA) and Financial Intelligence Analysis Unit (FIAU) | x | x |
| Netherlands | The Dutch Authority for the Financial Markets (AFM) | x | x |
| Netherlands | De Nederlandsche Bank (DNB) | ||
| Norway | The Finanvcial Supervisory Authority of Norway | x | x |
| Poland | Komisja Nadzoru Finansowego (FSA Poland) | x | x |
| Poland | Generalny Inspektor Informacji Finansowej (FIU Poland) | x | x |
| Poland | Narodowy Bank Polski (NBP) | ||
| Portugal | Banco de Portugal | ||
| Portugal | Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) (Portugal) | ||
| Portugal | CMVM - Comissão do Mercado de Valores Mobiliários (Portugal) | x | x |
| Romania | Autoritatea de Supraveghere Financiară (ASF) | x | x |
| Romania | National Bank of Romania | ||
| Romania | National Office for Prevention and Control of Money Laundering | ||
| Slovakia | Finančná spravodajská jednotka (FIU) | x | x |
| Slovakia | Národná Banka Slovenska (National Bank of Slovakia) | x | x |
| Slovenia | SECURITIES MARKET AGENCY (Slovenia) | x | x |
| Slovenia | Bank of Slovenia | ||
| Slovenia | Office for Money Laundering Prevention | x | x |
| Slovenia | Insurance Supervision Agency (AZN) (Slovenia) | ||
| Spain | SEPBLAC, in cooperation with Banco de España, CNMV and DGSFP | x | x |
| Sweden | Finansinspektionen (Sweden) | x | x |
| Member state | Name of the authority | Life Insurance Undertakings (LIUs) | Life Insurance Intermediaries (LIIs) |
|---|---|---|---|
| Austria | Austrian Financial Market Authority (FMA) | x | |
| Belgium | National bank of Belgium | x | |
| Belgium | Financial Services and Markets Authority (FSMA) | ||
| Bulgaria | Bulgarian National Bank | ||
| Bulgaria | FID SANS (FIU) | x | x |
| Bulgaria | Financial Supervision Commission Bulgaria | x | x |
| Croatia | Croatian Financial Services Supervisory Agency | x | x |
| Croatia | Croatian National Bank | ||
| Croatia | Ministry of Finance, Financial Inspectorate | ||
| Cyprus | Insurance Companies Control Service (ICCS) | x | x |
| Cyprus | Cyprus Securities and Exchange Commission | ||
| Cyprus | Central Bank of Cyprus | ||
| Czech Republic | Czech National Bank (CNB) | x | x |
| Czech Republic | Financial Analytical Office of the Czech Republic | x | x |
| Denmark | Finanstilsynet | x | x |
| Estonia | Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) | x | x |
| Estonia | Estonian FIU | ||
| Finland | FIN-FSA | x | x |
| Finland | The Regional State Administrative Agency for Southern Finland | ||
| France | Autorité des marchés financiers (AMF) | ||
| France | Autorité de contrôle prudentiel et de résolution (ACPR) | x | x |
| Germany | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) | x | |
| Greece | Hellenic Capital Market Commission | ||
| Greece | Bank of Greece | x | x |
| Hungary | Magyar Nemzeti Bank (The Central Bank of Hungary) | x | x |
| Iceland | Central Bank of Iceland | x | x |
| Ireland | Central Bank of Ireland | x | x |
| Italy | Banca d'Italia | ||
| Italy | "IVASS" - Institute for Insurance Supervision | x | x |
| Italy | OAM (Organismo degli Agenti e dei Mediatori) | ||
| Latvia | Consumer Rights Protection Centre of Latvia | ||
| Latvia | Latvijas Banka | ||
| Latvia | Financial and Capital Markets Commission | x | x |
| Liechtenstein | FMA Liechtenstein | x | x |
| Lithuania | Financial Crime Investigation Service under The Ministry of the Interior of the Republic of Lithuania (FIU) | x | x |
| Lithuania | Bank of Lithuania | x | x |
| Luxemburg | Commission de Surveillance du Secteur Financier CSSF | ||
| Luxemburg | Commissariat aux Assurances (CAA) | x | x |
| Malta | Malta Financial Services Authority (MFSA) and Financial Intelligence Analysis Unit (FIAU) | x | x |
| Netherlands | The Dutch Authority for the Financial Markets (AFM) | x | |
| Netherlands | De Nederlandsche Bank (DNB) | x | |
| Norway | The Finanvcial Supervisory Authority of Norway | x | x |
| Poland | Komisja Nadzoru Finansowego (FSA Poland) | x | x |
| Poland | Generalny Inspektor Informacji Finansowej (FIU Poland) | x | x |
| Poland | Narodowy Bank Polski (NBP) | ||
| Portugal | Banco de Portugal | ||
| Portugal | Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) (Portugal) | x | x |
| Portugal | CMVM - Comissão do Mercado de Valores Mobiliários (Portugal) | ||
| Romania | Autoritatea de Supraveghere Financiară (ASF) | x | x |
| Romania | National Bank of Romania | ||
| Romania | National Office for Prevention and Control of Money Laundering | ||
| Slovakia | Finančná spravodajská jednotka (FIU) | x | x |
| Slovakia | Národná Banka Slovenska (National Bank of Slovakia) | x | x |
| Slovenia | SECURITIES MARKET AGENCY (Slovenia) | ||
| Slovenia | Bank of Slovenia | ||
| Slovenia | Office for Money Laundering Prevention | x | x |
| Slovenia | Insurance Supervision Agency (AZN) (Slovenia) | x | x |
| Spain | SEPBLAC, in cooperation with Banco de España, CNMV and DGSFP | x | x |
| Sweden | Finansinspektionen (Sweden) | x | x |
| Member state | Name of the authority | Credit providers (other than banks) | Bureaux de change |
|---|---|---|---|
| Austria | Austrian Financial Market Authority (FMA) | x | |
| Belgium | National bank of Belgium | x | |
| Belgium | Financial Services and Markets Authority (FSMA) | x | x |
| Bulgaria | Bulgarian National Bank | ||
| Bulgaria | FID SANS (FIU) | x | x |
| Bulgaria | Financial Supervision Commission Bulgaria | ||
| Croatia | Croatian Financial Services Supervisory Agency | x | |
| Croatia | Croatian National Bank | ||
| Croatia | Ministry of Finance, Financial Inspectorate | x | x |
| Cyprus | Insurance Companies Control Service (ICCS) | ||
| Cyprus | Cyprus Securities and Exchange Commission | ||
| Cyprus | Central Bank of Cyprus | x | x |
| Czech Republic | Czech National Bank (CNB) | x | x |
| Czech Republic | Financial Analytical Office of the Czech Republic | x | x |
| Denmark | Finanstilsynet | x | x |
| Estonia | Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) | x | |
| Estonia | Estonian FIU | x | |
| Finland | FIN-FSA | ||
| Finland | The Regional State Administrative Agency for Southern Finland | x | x |
| France | Autorité des marchés financiers (AMF) | ||
| France | Autorité de contrôle prudentiel et de résolution (ACPR) | x | x |
| Germany | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) | x | x |
| Greece | Hellenic Capital Market Commission | ||
| Greece | Bank of Greece | x | x |
| Hungary | Magyar Nemzeti Bank (The Central Bank of Hungary) | x | x |
| Iceland | Central Bank of Iceland | x | |
| Ireland | Central Bank of Ireland | x | x |
| Italy | Banca d'Italia | x | |
| Italy | "IVASS" - Institute for Insurance Supervision | ||
| Italy | OAM (Organismo degli Agenti e dei Mediatori) | x | |
| Latvia | Consumer Rights Protection Centre of Latvia | x | |
| Latvia | Latvijas Banka | x | |
| Latvia | Financial and Capital Markets Commission | x | |
| Liechtenstein | FMA Liechtenstein | x | |
| Lithuania | Financial Crime Investigation Service under The Ministry of the Interior of the Republic of Lithuania (FIU) | x | x |
| Lithuania | Bank of Lithuania | x | |
| Luxemburg | Commission de Surveillance du Secteur Financier CSSF | x | |
| Luxemburg | Commissariat aux Assurances (CAA) | ||
| Malta | Malta Financial Services Authority (MFSA) and Financial Intelligence Analysis Unit (FIAU) | x | x |
| Netherlands | The Dutch Authority for the Financial Markets (AFM) | ||
| Netherlands | De Nederlandsche Bank (DNB) | x | x |
| Norway | The Finanvcial Supervisory Authority of Norway | x | x |
| Poland | Komisja Nadzoru Finansowego (FSA Poland) | x | |
| Poland | Generalny Inspektor Informacji Finansowej (FIU Poland) | x | x |
| Poland | Narodowy Bank Polski (NBP) | x | |
| Portugal | Banco de Portugal | x | x |
| Portugal | Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) (Portugal) | ||
| Portugal | CMVM - Comissão do Mercado de Valores Mobiliários (Portugal) | ||
| Romania | Autoritatea de Supraveghere Financiară (ASF) | ||
| Romania | National Bank of Romania | x | x |
| Romania | National Office for Prevention and Control of Money Laundering | x | |
| Slovakia | Finančná spravodajská jednotka (FIU) | x | x |
| Slovakia | Národná Banka Slovenska (National Bank of Slovakia) | x | x |
| Slovenia | SECURITIES MARKET AGENCY (Slovenia) | ||
| Slovenia | Bank of Slovenia | x | |
| Slovenia | Office for Money Laundering Prevention | x | x |
| Slovenia | Insurance Supervision Agency (AZN) (Slovenia) | ||
| Spain | SEPBLAC, in cooperation with Banco de España, CNMV and DGSFP | x | x |
| Sweden | Finansinspektionen (Sweden) | x | x |
Notice:
- The Austrian Financial Markets AML Act – according to the 5th EU AMLD – has been amended to a registration obligation for VASPs and a definition for virtual currencies since 1 January 2020
- The National Bank of Belgium (NBB) is the competent authority for credit providers that also have the status of credit institution, life-insurance company, e-money institution or payment institution.
- The National Bank of Belgium (NBB) is the competent authority for investment firms with the status of stockbroking firm.
- The Financial Services and Markets Authority (FSMA) is the competent authority for credit providers that are not already supervised by the NBB on the basis of another prudential status such as credit institutions, life-insurance companies, e-money institutions or payment institutions.
- The Financial Services and Markets Authority (FSMA) is the competent authority for investment firms with the status of (i) portfolio management or investment advice company and (ii) management company of undertakings for collective investment.
- The Czech National Bank (CNB) is the competent authority only for consumer credit providers other than banks.
Sources:
- EBA „Anti-Money Laundering and Countering the Financing of Terrorism“ https://www.eba.europa.eu/regulation-and-policy/anti-money-laundering-and-countering-financing-terrorism