{"id":8570,"date":"2017-12-12T11:31:54","date_gmt":"2017-12-12T11:31:54","guid":{"rendered":"http:\/\/54.229.232.246\/?p=8570\/"},"modified":"2017-12-19T12:21:35","modified_gmt":"2017-12-19T12:21:35","slug":"financial-conglomerates-law","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/financial-conglomerates-law\/","title":{"rendered":"Financial conglomerates law"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/8570?print=pdf\" class=\"pdfprnt-button pdfprnt-button-pdf\" target=\"_blank\" ><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/pdf.png\" alt=\"image_pdf\" title=\"View PDF\" \/><\/a><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/8570?print=print\" class=\"pdfprnt-button pdfprnt-button-print\" target=\"_blank\" ><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/print.png\" alt=\"image_print\" title=\"Print Content\" \/><\/a><\/div><p><span style=\"font-weight: 400;\">The Government passed Act 1870 on 21st September 2017, laying out rules for strengthening regulation and supervision over financial conglomerates. This text has not been altered from the version that was agreed prior to the president\u2019s sanction, and was reviewed in <a href=\"http:\/\/www.progresomicrofinanzas.org\/en\/fourth-reading-of-the-financial-conglomerates-bill\/\">issue 12<\/a> of <\/span>Progreso<span style=\"font-weight: 400;\">. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following are some of its most salient points:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">1. A financial conglomerate is defined as a group of institutions with a single controlling body that includes two or more domestic or foreign institutions carrying out an activity that is regulated by the Colombian Financial Authority (SFC), provided that at least one of these institutions carries out these activities in Colombia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Only those subsidiaries that are financial institutions will form part of the conglomerate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2. A financial holding is defined as any legal person or investment vehicle exercising control over the institutions making up the financial conglomerate. These institutions will be subject to inspection and oversight from the SFC unless they demonstrate to the SFC that in their home jurisdiction they are subject to a regulatory and supervisory regime similar to that of Colombia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">3. The SFC will have the power to determine:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">The capital adequacy required of conglomerates, <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Corporate governance standards;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Framework for financial risk management and internal control;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Exemptions of legal persons or investment vehicles from supervision, depending on the scope of that supervision;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Criteria for defining the nature of linked parties to the conglomerate and to the holding;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Criteria for identifying, managing, monitoring and disclosing conflicts of interest;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Changes needed in the structure of the conglomerate (when the existing structure does not enable information to be disclosed appropriately, comprehensive and consolidated supervision and\/nor identification of the real beneficiary and the institutions comprising it;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Information requirements and visits to be made to the entities in the conglomerate;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">To revoke the regulated entity\u2019s operating license when the information supplied by the foreign parent company is insufficient to carry out the supervision.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">4. The law clarifies that holdings will not have to contribute to operating and investment costs that Colombia\u2019s Financial Authority, the SFC, may incur.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">5. It extends the SFC\u2019s powers of supervision and sanction, to cover giving instructions to holdings on how to comply with the regulation, particularly in the areas of financial conglomerates\u2019 risk management, internal monitoring, information disclosure and corporate governance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">6. Oversight of financial holdings set up outside Colombia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">7. The concept of &#8220;significant influence&#8221;, as a criterion for determining the existence of a financial conglomerate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">8. Three scenarios are described in which control and subordination are understood to exist, namely, i) when there is a majority shareholding, ii) when there is a decision-making majority on the company\u2019s board of directors, and iii) when a shareholder pact exerts an overriding influence on the decisions taken in the company.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">9. The regulations covering purchasing the assets and taking over the liabilities of a credit institution in compulsory liquidation are laid down; the Financial Institutions Guarantee Fund (FOGAFIN) is given the authority to transfer these assets and liabilities to other credit establishment(s) or to a bridge bank.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Furthermore, the Government will have six (6) months, from when the bill comes into law, to regulate for supervisory powers over conglomerates, to cover the structure, complexity and specific characteristics of financial conglomerates. Heading I of the law will come into effect six (6) months after these regulations are published.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Government passed Act 1870 on 21st September 2017, laying out rules for strengthening regulation and supervision over financial conglomerates. This text has not been altered from the version that was agreed prior to the president\u2019s sanction, and was reviewed in issue 12 of Progreso. The following are some of its most salient points: 1. [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":9027,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[622,619,2582,2583,1516,365,370],"class_list":["post-8570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-supervision-en-2","tag-colombia-en-2","tag-compulsory-liquidation","tag-financial-conglomerate","tag-financial-holding","tag-financial-institutions","tag-regulation","numero-13-en","seccion-published-and-draft-legislation-microfinance","pais-colombia-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financial conglomerates law<\/title>\n<meta name=\"description\" content=\"Financial conglomerates law\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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