If you do not hold authorisation from DNB, you are not permitted to operate as an insurer unless you qualify for exemption.
We pursue a policy of active enforcement and perform checks at regular intervals. If we find that you are providing insurance services without authorisation or exemption, we have several enforcement measures that we can impose, including issuing cease and desist orders and imposing administrative fines.
Non-compliance with the Financial Supervision Act (Wet op het financieel toezicht – Wft) constitutes a criminal offence under the Economic Offences Act (Wet op de economische delicten), which we can report to the public prosecutor's office.
The Climate Adaptation Working Group of the Platform for Sustainable Finance has been working hard over the past year to follow up on recommendations from the report 'Accelerating climate adaptation'.
Read more 2024 progress report: Climate Adaptation Working Group is making headway
Since the entry into force of DORA, financial institutions must keep a register of information on all contractual agreements on the use of ICT services provided by third-party providers (DORA, Article 28(3)). T
Read more DORA: Reporting DORA registers of information in April 2025
DNB has recently amended the suitability matrix for banks, insurers, payment institutions, investment holding companies, exchange institutions, electronic money institutions, central clearing counterparties, clearing institutions and payment processing service providers.
Read more Update suitability matrix fit and proper assessments
This joint newsletter provides guidance on the updated requirements that EU financial counterparties (FCs), non-financial counterparties (NFCs), central counterparties (CCPs), clearing members providing clearing services and clients providing clearing services (CSPs) ..
Read more Guidance to readiness: joint newsletter by DNB and the AFM to assist the implementation of EMIR 3