Lending / consumer credit · Luxembourg

Crowdfunding service provider authorisation (Luxembourg)

The Crowdfunding service provider authorisation is issued by Commission de Surveillance du Secteur Financier (CSSF) under Regulation (EU) 2020/1503 on European crowdfunding service providers (ECSPR). It can be passported to the other EU/EEA states by notification. The official register lists 0 current holders. The application fee is EUR 30,000. Ownership changes need the regulator's approval before completion.

Last verified 2026-09-24Regulator CSSFMarkdown · Data (CC BY 4.0)
Crowdfunding service provider authorisation: licenceCredit

At a glance

Official nameCrowdfunding service provider authorisation1
Also known asECSP · ECSPR authorisation · Luxembourg crowdfunding licence · Luxembourg ECSP licence · Luxembourg crowdfunding service provider authorisation · CSSF crowdfunding authorisation
Issued byCommission de Surveillance du Secteur Financier
JurisdictionLuxembourg
Licence familyLending / consumer credit
Legal basisRegulation (EU) 2020/1503 on European crowdfunding service providers for business (ECSPR)2
PassportingEU/EEA passport available
Application feeEUR 30,0003
Annual feeEUR 10,0003
Public registerofficial register4
Current holders04

What it lets you do

Crowdfunding servicesMatching business funding interests of investors and project owners through a platform, by facilitating loans or placing securities.

Where it is valid

Luxembourg licence, passportable across the EU/EEAATBEBGHRCYCZDKEEFIFRDEGRHUIEITLVLTLUNLPLPTROSKSIESSEISNOMTLI
Issued in Luxembourg (gold); can be passported to the other EU/EEA states (blue) by notification.

Cost

Cost components, upper bound total EUR 40,000Application fee: EUR 30,000Annual supervisory fee: EUR 10,000
Regulatory costs from the official sources above. Professional fees, staff, office and audit come on top and depend on the business model.

Buying a company that already holds it

Prior notification with an objection period. Acquisition or disposal of qualifying holdings reaching or crossing 10%, 20%, 30%, or 50% of capital or voting rights, or causing an entity to become a subsidiary, requires prior written notification to the CSSF. The CSSF conducts a prudential assessment of acquirer suitability, reputation, financial soundness, and AML risk within 60 working days (interruptible once by up to 20 working days, or 30 working days for non-EU acquirers) under Articles 18 and 18-1 of the Law of 5 April 1993, Article 12 of the Law of 10 November 2009, Article 83 of Regulation (EU) 2023/1114 (MiCA), and Circular CSSF 17/669 adopting the Joint ESA Guidelines.5

Credit in other countries

CountryLicenceRegulatorMin. capitalApplication feeStatutory time
AustraliaAustralian credit licence (ACL)ASICn/an/an/a
CyprusEuropean Crowdfunding Service Provider authorisationCySECn/an/an/a
Czech RepublicNon-bank Consumer Credit Provider licenceCNBn/aCZK 50,000n/a
Czech RepublicCrowdfunding Service Provider authorizationCrowdfunding Service Provider authorization under ECSPRCNBn/aCZK 20,000~3 mo
EstoniaOperating licence as a credit servicerFIn/an/an/a
EstoniaOperating licence as a creditorFIn/an/an/a
EstoniaAuthorisation as a crowdfunding service providerAuthorisation as a crowdfunding service provider under ECSPRFIn/an/an/a
EstoniaAuthorisation for operating as a financial institutionFIUn/aEUR 3,300~2.8 mo
EstoniaOperating licence as a credit intermediaryFIn/an/an/a
FranceEuropean crowdfunding service provider authorizationAMFn/an/a~3 mo
IrelandCrowdfunding Service Provider Authorisation (ECSPR)CBIn/an/an/a
ItalyEuropean crowdfunding service provider authorization (ECSPR)CONSOBn/an/a~3 mo
LatviaCrowdfunding service provider authorizationLBn/an/an/a
LithuaniaCrowdfunding service provider authorizationLBn/an/an/a
LithuaniaPeer-to-peer lending platform operatorLBn/an/an/a
LuxembourgCrowdfunding service provider authorisationCSSFn/aEUR 30,000n/a
NetherlandsEuropean Crowdfunding Service Provider (ECSPR) authorisationEuropean Crowdfunding Service Provider (ECSPR) authorisation under Regulation (EU) 2020/1503AFMn/aEUR 200~4.2 mo
PolandCrowdfunding Service Provider authorizationCrowdfunding Service Provider authorization under ECSPRKNFn/an/an/a
PolandLending Institution registrationKNFn/aPLN 616n/a
SlovakiaCrowdfunding service provider authorisationCrowdfunding service provider authorisation under ECSPRNBSn/an/an/a
SpainEuropean crowdfunding service provider authorizationCNMVn/an/an/a
SpainSpecialized lending credit institution authorizationBdEn/an/an/a
United KingdomConsumer Credit Full Permission Authorisation (Part 4A FSMA)FCAn/an/an/a

Values come from each licence's page, where every figure has its source.

Laws behind it

Last verified 2026-09-24Author Danil Marmysh, Founder & CEO, ProtegraReviewed by Anastasia Sidorenkova, Head of Licensing, ProtegraReport an errorReference information, not legal advice.

Sources

  1. cssf.lu: crowdfunding service providers · retrieved 2026-09-24
  2. EUR-Lex: CELEX 32020R1503 · retrieved 2026-09-24
  3. cssf.lu: GDR 231222 CSSF fees (PDF) · retrieved 2026-09-24
  4. searchentities.apps.cssf.lu: entite · retrieved 2026-09-24
  5. cssf.lu: circular cssf 17 669 · retrieved 2026-09-24

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