# Financial regulators

Source page: https://protegra.io/licensing/regulators/

The Atlas profiles 43 regulators that license fintech businesses: central banks, securities commissions, financial intelligence units and gaming authorities. Each profile lists the licences it issues, its public register, fees and timelines, how ownership changes are approved, and the lesser-known services such as pre-application meetings and sandboxes.

## All regulators

- [AustraliaAustralian Securities and Investments Commission (ASIC)ASIC is Australia's integrated corporate, markets, financial services and consumer credit regulator; it licenses and supervises companies, f](https://protegra.io/licensing/regulators/asic-australia/)
- [AustraliaAustralian Transaction Reports and Analysis Centre (AUSTRAC)AUSTRAC is Australia's financial intelligence unit and AML/CTF regulator: it collects and analyses financial transaction reports to detect m](https://protegra.io/licensing/regulators/austrac-australia/)
- [NetherlandsAuthority for the Financial Markets (AFM)The Autoriteit Financiële Markten (AFM) is the Netherlands' autonomous conduct-of-business supervisory authority (zelfstandig bestuursorgaan](https://protegra.io/licensing/regulators/afm-netherlands/)
- [LithuaniaBank of Lithuania (LB)The Bank of Lithuania operates as the central bank of the Republic of Lithuania and member of the Eurosystem, conducting integrated prudenti](https://protegra.io/licensing/regulators/bank-of-lithuania/)
- [SpainBank of Spain (BdE)Banco de España is Spain's national central bank and banking supervisor, operating as an integral part of the European System of Central Ban](https://protegra.io/licensing/regulators/banco-de-espana/)
- [BermudaBermuda Monetary Authority (BMA)The BMA is Bermuda's single integrated financial regulator. It licenses and supervises banks and deposit companies, digital asset businesses](https://protegra.io/licensing/regulators/bma-bermuda/)
- [British Virgin IslandsBritish Virgin Islands Financial Services Commission (BVI FSC)The FSC is the single autonomous regulator for all financial services business in and from the British Virgin Islands, including banking, in](https://protegra.io/licensing/regulators/bvi-fsc/)
- [Cayman IslandsCayman Islands Monetary Authority (CIMA)CIMA is the Cayman Islands' primary financial services regulator: it manages the local currency, supervises banks, trusts, insurers, investm](https://protegra.io/licensing/regulators/cima-cayman/)
- [IrelandCentral Bank of Ireland (CBI)The Central Bank of Ireland serves the public interest by maintaining monetary and financial stability while ensuring that the financial sys](https://protegra.io/licensing/regulators/central-bank-of-ireland/)
- [United Arab EmiratesCentral Bank of the UAE (CBUAE)The Central Bank of the UAE is the apex monetary and financial supervisory authority of the United Arab Emirates, established to promote mon](https://protegra.io/licensing/regulators/cbuae/)
- [LuxembourgCommission de Surveillance du Secteur Financier (CSSF)The CSSF operates as the unified public supervisory authority for the Luxembourg financial centre, conducting prudential supervision and mar](https://protegra.io/licensing/regulators/cssf-luxembourg/)
- [CuraçaoCuraçao Gaming Authority (CGA)The CGA is Curaçao's sole gambling regulator: it licenses and supervises online gaming operators (B2C) and suppliers (B2B) under the 2024 Na](https://protegra.io/licensing/regulators/cga-curacao/)
- [CyprusCyprus Securities and Exchange Commission (CySEC)The Cyprus Securities and Exchange Commission is the independent public supervisory authority responsible for the regulation and supervision](https://protegra.io/licensing/regulators/cysec-cyprus/)
- [Czech RepublicCzech National Bank (CNB)The Czech National Bank acts as the central bank and unified supervisory authority of the Czech financial market under Act No. 6/1993 Coll.](https://protegra.io/licensing/regulators/cnb-czechia/)
- [NetherlandsDe Nederlandsche Bank (DNB)De Nederlandsche Bank acts as the central bank of the Netherlands and integral member of the Eurosystem and ESCB, exercising prudential supe](https://protegra.io/licensing/regulators/dnb-netherlands/)
- [Dubai International Financial Centre (DIFC)Dubai Financial Services Authority (DFSA)The DFSA is the independent regulator of financial services conducted in or from the Dubai International Financial Centre (DIFC). It authori](https://protegra.io/licensing/regulators/dfsa-difc/)
- [EstoniaEstonian Financial Intelligence Unit (FIU)The Estonian Financial Intelligence Unit (Rahapesu Andmebüroo) is an independent government agency under the jurisdiction of the Ministry of](https://protegra.io/licensing/regulators/fiu-estonia/)
- [European UnionEuropean Banking Authority (EBA)The European Banking Authority is an independent EU agency that creates the European Single Rulebook for banking and payments, fosters super](https://protegra.io/licensing/regulators/eba/)
- [European UnionEuropean Securities and Markets Authority (ESMA)ESMA operates as an independent European Union supervisory authority that protects the public interest by contributing to the stability and](https://protegra.io/licensing/regulators/esma/)
- [GermanyFederal Financial Supervisory Authority (BaFin)BaFin operates as Germany's unified federal financial supervisor under the Federal Ministry of Finance, supervising credit institutions, fin](https://protegra.io/licensing/regulators/bafin-germany/)
- [United KingdomFinancial Conduct Authority (FCA)The Financial Conduct Authority regulates the conduct of around 35,500 financial services firms and financial markets across the United King](https://protegra.io/licensing/regulators/fca-uk/)
- [United StatesFinancial Crimes Enforcement Network (FinCEN)FinCEN is a bureau of the U.S. Department of the Treasury and the U.S. Financial Intelligence Unit. It administers the Bank Secrecy Act, col](https://protegra.io/licensing/regulators/fincen-usa/)
- [FranceFinancial Markets Authority (AMF)The Autorité des marchés financiers (AMF) is France's independent financial markets authority, tasked with safeguarding savings invested in](https://protegra.io/licensing/regulators/amf-france/)
- [South AfricaFinancial Sector Conduct Authority (FSCA)The FSCA is South Africa's dedicated market-conduct regulator, supervising how financial institutions treat customers across banking, insura](https://protegra.io/licensing/regulators/fsca-south-africa/)
- [SeychellesFinancial Services Authority (Seychelles) (FSA)The FSA is Seychelles' autonomous non-bank financial regulator: it licenses, supervises and enforces standards on financial services busines](https://protegra.io/licensing/regulators/fsa-seychelles/)
- [MauritiusFinancial Services Commission (FSC)The FSC is the integrated statutory regulatory authority for non-banking financial services and global business in Mauritius, mandated under](https://protegra.io/licensing/regulators/fsc-mauritius/)
- [Abu Dhabi Global Market (ADGM)Financial Services Regulatory Authority (FSRA)The FSRA regulates and supervises financial services institutions within Abu Dhabi Global Market to foster a progressive, robust financial c](https://protegra.io/licensing/regulators/fsra-adgm/)
- [CanadaFinancial Transactions and Reports Analysis Centre of Canada (FINTRAC)FINTRAC is Canada's financial intelligence unit and the anti-money-laundering/anti-terrorist-financing supervisor. It collects, analyses and](https://protegra.io/licensing/regulators/fintrac-canada/)
- [EstoniaFinantsinspektsioon (FI)Finantsinspektsioon is Estonia's independent financial supervision and crisis resolution authority operating with autonomous responsibilitie](https://protegra.io/licensing/regulators/finantsinspektsioon-estonia/)
- [Malaysia (Labuan)Labuan Financial Services Authority (Labuan FSA)Labuan FSA is the statutory body established under the Labuan Financial Services Authority Act 1996 to promote and develop the Labuan Intern](https://protegra.io/licensing/regulators/labuan-fsa/)
- [LatviaLatvijas Banka (LB)Latvijas Banka is the central bank of the Republic of Latvia and member of the Eurosystem, operating as the single integrated financial supe](https://protegra.io/licensing/regulators/latvijas-banka/)
- [MaltaMalta Financial Services Authority (MFSA)The Malta Financial Services Authority is the single autonomous financial regulator in Malta, entrusted with prudential and conduct supervis](https://protegra.io/licensing/regulators/mfsa-malta/)
- [MaltaMalta Gaming Authority (MGA)The Malta Gaming Authority is the single regulatory body responsible for the governance and supervision of all land-based and remote gaming](https://protegra.io/licensing/regulators/mga-malta/)
- [SingaporeMonetary Authority of Singapore (MAS)MAS is Singapore's central bank and integrated financial supervisor, conducting monetary policy, issuing currency, managing official foreign](https://protegra.io/licensing/regulators/mas-singapore/)
- [GeorgiaNational Bank of Georgia (NBG)The National Bank of Georgia is Georgia's independent central bank. It sets monetary policy and price-stability targets, issues the lari, an](https://protegra.io/licensing/regulators/nbg-georgia/)
- [SlovakiaNational Bank of Slovakia (NBS)Národná banka Slovenska acts as the central bank and integrated financial supervisory authority of the Slovak Republic. It safeguards price](https://protegra.io/licensing/regulators/nbs-slovakia/)
- [ItalyNational Commission for Companies and the Stock Exchange (CONSOB)CONSOB is Italy's independent administrative authority tasked with safeguarding investor protection, market transparency, fair conduct among](https://protegra.io/licensing/regulators/consob-italy/)
- [El SalvadorNational Commission of Digital Assets (CNAD)CNAD is El Salvador's dedicated digital-asset regulator: it authorises and supervises digital asset service providers and public/private iss](https://protegra.io/licensing/regulators/cnad-el-salvador/)
- [SpainNational Securities Market Commission (CNMV)The National Securities Market Commission is the Spanish agency responsible for supervising and inspecting secondary securities markets, inv](https://protegra.io/licensing/regulators/cnmv-spain/)
- [PolandPolish Financial Supervision Authority (KNF)KNF ensures the proper functioning, stability, security, and transparency of the Polish financial market, safeguards public confidence in fi](https://protegra.io/licensing/regulators/knf-poland/)
- [Hong KongSecurities and Futures Commission (SFC)The Securities and Futures Commission regulates and develops Hong Kong's securities, futures, and virtual asset markets under the Securities](https://protegra.io/licensing/regulators/sfc-hong-kong/)
- [SwitzerlandSwiss Financial Market Supervisory Authority (FINMA)FINMA is Switzerland's independent financial markets authority, established under the Financial Market Supervision Act (FINMASA) to protect](https://protegra.io/licensing/regulators/finma-switzerland/)
- [Dubai (VARA)Virtual Assets Regulatory Authority (VARA)Established under Dubai Law No. (4) of 2022, VARA is the world's first standalone specialized regulatory authority governing virtual assets.](https://protegra.io/licensing/regulators/vara-dubai/)

Last verified: · Author: Danil Marmysh · Reviewed by Anastasia Sidorenkova · © Protegra. Data: CC BY 4.0, cite "Protegra Licensing Atlas". Not legal advice.