AFI CEMC WG - Member Survey - Final Dec 2011

8/3/2019 AFI CEMC WG - Member Survey - Final Dec 2011

1/169

(Q1_1) A1. RESPONDING COUNTRY:

Rpublique

Dmocratique

du Congo

UgandaSENEG

AL

PALEST

INE

Republi

c of

Armeni

Paragu

ayAngola China

MEXIC

O

ZAMBI

A

Philippi

nes

Russian

Federat

ion

MALA

WI

(Q2_1) A2. RESPONDING INSTITUTION:

Banque

Centrale du

Congo

Bank of

Uganda

Minist

re de

l'Econo

Palesti

ne

Monet

Central

Bank of

Armeni

Banco

Central

del

Banco

Nacion

al

the

People'

s Bank

CNBV

BANK

OF

ZAMBI

Bangko

Sentral

ng

Ministr

y for

Econo

RESERV

E BANK

OF

(Q3_1) A3. Name [Question: PERSON

RESPONSIBLE FOR COMPLETING THE

QUESTIONNAIRE:]

NDAYA

ILUNGA

Polycar

p

El Hadji

Birane

DIOP

AliAndran

ik

Juan

CarlosIrene

Shaohu

aLUIS

MUSAP

ENDA

Maria

BelindaBoris

HASTIN

GS

(Q3_2) A3. Surname [Question:

PERSON RESPONSIBLE FOR

COMPLETING THE QUESTIONNAIRE:]

Marie-JosMusing

uziBirane Faroun

Grigory

an

Penoni

Manev

y

Sobrinh

oZhang

TREVIN

O

GARZA

PHIRI CaraanProkop

yev

MZOM

A

(Q3_3) A3. Title [Question: PERSON

RESPONSIBLE FOR COMPLETING THE

QUESTIONNAIRE:]

Directeur

AdjointDr Mr

Directo

r

Head of

Depart

ment

MrConsult

antDr

DIRECT

OR

FSDP

PROJEC

T

Officer

in

Charge

consult

ant

CHIEF

EXAMI

NER

(Q3_4) A3. Department [Question:

PERSON RESPONSIBLE FOR

COMPLETING THE QUESTIONNAIRE:]

Direction de la

Surveillance

des

Govern

or's

Office

DRS-

SFD

Statisti

Consu

mer

Relatio

Financi

al

regulati

Regulat

ion,

norm

DSI

the

Researc

h

ACCESS

TO

FINANC

FSDP

SECRET

ARIAT,

Integra

ted

Supervi

Innovat

ion

Develo

MICRO

FINANC

E &

(Q4_1) A4. EMAIL CONTACT:[email protected]

d

pollym

using@

yahoo.c

ebdiop

@gmail

.com

afaroun

@pma.

ps

andrani

k.grigor

yan@c

jpenoni

@bcp.g

ov.py

irene.s

obrinh

o@bna

zhangs

haohua

@pbc.g

ltrevino

@cnbv.

gob.mx

mjphiri

@boz.z

m

mcaraa

n@bsp.

gov.ph

prokop

yevbb

@econ

hmzom

a@rbm

.mw

(Q5_1) A5.
How many

agencies in your country are

responsible for market conduct

1 4 4 1 1 3 2 1 4 4 4 4 1

(Q91_1) hidden field.Marie-Jose

Ndaya Ilunga

Musing

uzi

Polycar

El Hadji

Birane

Diop

Ali

Faroun

Andran

ik

Grigory

Benign

o Maria

Lopez

Laura

de

Alcanta

Shaohu

a

Luis

Trevino

Garza

Mr

Musap

enda

Maria

Belinda

Caraan

Boris

Prokop

yev

Hasting

s

Mzoma

(Q89_A_1) Agency Name.

[Topic:Agency 1; Category:Name of

Agency; Question:What agencies in

Banque

Centrale du

Congo

Bank of

Uganda

Directi

on de

la

palesti

ne

moneta

Central

Bank of

Armeni

Banco

Central

del

Institut

o

Nacion

State

Admini

stration

Central

Bank

(BANC

Bank of

Zambia

Bangko

Sentral

ng

Federal

Service

on

RESERV

E BANK

OF




Capital

Market

s

Directi

on de

la

Institut

o

Nacion

Banco

Nacion

al de

Nation

al

Bankin

Pensio

ns and

Insuran

Securiti

es and

Exchan

Ministr

y of

Finance




Uganda

Insuran

ce

Banque

Central

e des

Ministe

rio de

Industri

Nation

al

Commi

Securiti

es and

Exchan

Philippi

ne

Deposit

Ministr

y for

Econo




Ministr

y of

Finance

Observ

atoire

de la

Insuran

ce and

Surety

Compe

tition

and

Insuran

ce

Commi

Federal

Financi

al

A1

Banque

Centrale duCongo

Bank ofUganda

on de

laRglem

Bank of

Armenia

Central

delParagu

o

Nacional de

Admini

strationfor

Bank

(BANCO DE

Bank ofZambia

(Q6_A_1) 1A. To issue market conduct

regulations [Topic:%[Agency

Name]Q89_A_1%; Category:Market

To issue

market

conduct

To

issue

market

-

To

issue

market

To

issue

market

To

issue

market

To

issue

market

To

issue

market

To

issue

market

To

issue

market

To

issue

market

To

issue

market

To

issue

market

(Q6_A_2) 1A. To supervise financial

institutions' compliance with market

conduct regulations [Topic:%[Agency

To supervise

financial

institutions'

To

supervi

se

To

supervi

se

To

supervi

se

To

supervi

se

To

supervi

se

- -

To

supervi

se

To

supervi

se

To

supervi

se

-

To

supervi

se

(Q6_A_3) 1A. To enforce market



-

To

enforce

market

To

enforce

market

To

enforce

market

To

enforce

market

To

enforce

market

To

enforce

market

To

enforce

market

To

enforce

market

To

enforce

market

To

enforce

market

-

To

enforce

market

(Q6_A_4) 1A. Others [Topic:%[Agency


Conduct; Question:What are the main

- Others - Others - - - - - - Others - Others

A2

Market

s

Authori

on de

la

microfi

o

Nacion

al de

Nacion

al de

Angola

al

Bankin

g and

ns and

Insuran

ce


2/169




-

To

issue

market

- - -

To

issue

market

To

issue

market

-

To

issue

market

To

issue

market

To

issue

market

To

issue

market

-




- - - - - -

To

supervi

se

-

To

supervi

se

To

supervi

se

To

supervi

se

To

supervi

se

-




-

To

enforce

market

- - -

To

enforce

market

To

enforce

market

-

To

enforce

market

To

enforce

market

To

enforce

market

- -




- - Others - - - - - - - - - -

A3

Insuran

ce

Commi

Central

e des

Etats

rio de

Industri

a y

al

Commi

ssion

es and

Exchan

ge




-

To

issue

market

To

issue

market

- - - - -

To

issue

market

To

issue

market

To

issue

market

- -




- -

To

supervi

se

- - - - -

To

supervi

se

To

supervi

se

To

supervi

se

- -




-

To

enforce

market

To

enforce

market

- - - - -

To

enforce

market

To

enforce

market

-

To

enforce

market

-




- - - - - - - - - - - - -

A4

y of

Finance

,

atoire

de la

Qualit

ce and

Surety

Nation

tition

and

Consu




- - - - - - - -

To

issue

market

To

issue

market

To

issue

market

- -


institutions' compliance with marketconduct regulations [Topic:%[Agency

- - - - - - - -

To

supervise

-

To

supervise

To

supervise

-




- - - - - - - -

To

enforce

market

To

enforce

market

To

enforce

market

- -




- Others Others - - - - - Others - - - -

(Q6_B_1) 1A. [Topic:%[Agency

Name]Q89_A_1%; Category:Please

explain for "Others"; Question:What

to

conduc

t

- follow

up and

resolve

Conduc

ts

regular

Handlin

g

unresol




Aider

les

instituti

To

supervi

ce







Formul

ation of

Tier 4

Mdiat

eur

entre

CNSF:

The

inspecti


3/169

(Q8_A_1) 1B. Constitution

[Topic:%[Agency Name]Q89_A_1%;

Category:A; Question:What is the legal

-Constit

ution- - - - - -

Constit

ution

Constit

ution- - -

(Q8_A_2) 1B. Central Bank law



Central Bank

law

Central

Bank

law

-

Central

Bank

law

Central

Bank

law

Central

Bank

law

- -

Central

Bank

law

Central

Bank

law

Central

Bank

law

- -

(Q8_A_3) 1B. Consumer protection law



- - - -

Consu

mer

protect

-

Consu

mer

protect

Consu

mer

protect

- - -

Consu

mer

protect

Consu

mer

protect

(Q8_A_4) 1B. Financial consumer

protection law [Topic:%[Agency

Name]Q89_A_1%; Category:A;

- - - - - - - -

Financi

al

consum

- - - -

(Q8_A_5) 1B. Banking law



Banking law - -Bankin

g law

Bankin

g law

Bankin

g law- -

Bankin

g law

Bankin

g law

Bankin

g law-

Bankin

g law

(Q8_A_6) 1B. Microfinance law



Microfinance

law

Microfi

nance

law

Microfi

nance

law

- - - - - -

Microfi

nance

law

- -

Microfi

nance

law

(Q8_A_7) 1B. Cooperatives law



Cooperatives

law- - - - - - - - -

Cooper

atives

law

-

Cooper

atives

law

(Q8_A_8) 1B. Others [Topic:%[Agency


Question:What is the legal basis for the

- Others - Others Others - - Others - - Others Others Others




- - - - - - - - - - - - -




- - - - - -

Central

Bank

law

- - - - - -

(Q8_A_11) 1B. Consumer protection

law [Topic:%[Agency Name]Q89_A_2%;Category:A; Question:What is the legal

- - - - - - - - - - - - -




- - - - - - - - - - - - -




- - - - - - - -Bankin

g law- -

Bankin

g law-




- -

Microfi

nance

law

- - - - -

Microfi

nance

law

- -

Microfi

nance

law

-


[Topic:%[Agency Name]Q89_A_2%;Category:A; Question:What is the legal

- - - - -

Cooper

atives

law

- -

Cooper

atives

law

- - - -




- Others - - - - - - Others Others Others - -




- - - - -Constit

ution- -

Constit

ution- - - -




- -CentralBank

law

- - - - -CentralBank

law

- - - -


law [Topic:%[Agency Name]Q89_A_3%;


- - - - -

Consu

mer

protect

- -

Consu

mer

protect

- - - -




- - - - - - - -

Financi

al

consum

- - - -


4/169




- -Bankin

g law- - - - -

Bankin

g law- - - -




- -

Microfi

nance

law

- - - - -

Microfi

nance

law

- - - -




- - - - - - - -

Cooper

atives

law

- - - -




- Others - - - - - - Others Others Others Others -




- -Constit

ution- - - - - - - - - -




- - - - - - - - - - - - -




- -

Consu

mer

protect

- - - - - -

Consu

mer

protect

- - -




- -

Financi

al

consum

- - - - - - - - - -




- - - - - - - -Bankin

g law- - - -




- -

Microfi

nance

law

- - - - - - - - - -




- - - - - - - - - - - - -




- Others - - - - - - Others Others Others Others -

(Q8_B_1) 1B. [Topic:%[Agency


explain for "Others"; Question:What is

Bank of

Uganda

Financi

-

consum

er

Law on

Consu

mer

Law on

Protect

ion of

Financi

al

consum

Special

laws

governi

Entitled

by the

Govern

Financi

al

Service


Name]Q89_A_2%; Category:Pleaseexplain for "Others"; Question:What is

Act of

Parliament

CNBV:

Also,the

1.

Pension

Securiti

esRegulat




Act of

Parliam

ent

CONDU

SEF:

Law for

1.

Securiti

es Acts

Charter

of the

Philippi

Ministr

y is

respon




New

Depart

ment

IPAB:

Mandat

e under

1.

Compe

tition

Insuran

ce

Code of

Agency

is

respon

(Q7_A_1) 2A. To provide redress in

respect of consumers' complaints


- -

To

provide

redress

To

provide

redress

- -

To

provide

redress

To

provide

redress

-

To

provide

redress

To

provide

redress

To

provide

redress

To

provide

redress

(Q7_A_2) 2A. To provide mediation


Category:Consumer Empowerment;

- - - - -

To

provide

mediati

To

provide

mediati

To

provide

mediati

- -

To

provide

mediati

-

To

provide

mediati

(Q7_A_3) 2A. To provide debt

counseling [Topic:%[Agency

Name]Q89_A_1%; Category:Consumer

- - - - - -

To

provide

debt

- - - - - -


mediation [Topic:%[Agency


- - -

To

provide

debt

-

To

provide

debt

- - - - - - -


5/169

(Q7_A_5) 2A. To increase awareness

and understanding of financial products


To increase

awareness and

understanding

To

increas

e

-

To

increas

e

To

increas

e

To

increas

e

- -

To

increas

e

To

increas

e

To

increas

e

To

increas

e

To

increas

e

(Q7_A_6) 2A. To answer consumers

queries [Topic:%[Agency


To answer

consumers

queries

To

answer

consum

To

answer

consum

To

answer

consum

-

To

answer

consum

To

answer

consum

To

answer

consum

-

To

answer

consum

To

answer

consum

To

answer

consum

To

answer

consum



Empowerment; Question:What are the

- - - - - - - - Others Others - - -




- - - - - - - - -

To

provide

redress

To

provide

redress

To

provide

redress

-




- - - - -

To

provide

mediati

- - - - - - -




- - - - - - - - - - - - -




- - - - -

To

provide

debt

- - - - - - -




-

To

increas

e

To

increas

e

- - -

To

increas

e

- -

To

increas

e

To

increas

e

- -




- -

To

answer

consum

- -

To

answer

consum

To

answer

consum

- -

To

answer

consum

To

answer

consum

- -




- - - - - - - - Others Others - - -




- - - - -

To

provide

redress

- - -

To

provide

redress

To

provide

redress

- -




- - - - -

To

provide

mediati

- -

To

provide

mediati

- - - -




- - - - -

To

provide

debt

- - - - - - -




- - - - -

To

provide

debt

- - - - - - -




-

To

increas

e

- - -

To

increas

e

- -

To

increas

e

To

increas

e

To

increas

e

To

increas

e

-


queries [Topic:%[AgencyName]Q89_A_3%; Category:Consumer

- -

To

answerconsum

- -

To

answerconsum

- -

To

answerconsum

To

answerconsum

To

answerconsum

- -




- - - - - - - - Others Others - - -




- -

To

provide

redress

- - - - - -

To

provide

redress

To

provide

redress

- -




- -

To

provide

mediati

- - - - - -

To

provide

mediati

- - -




- - - - - - - - - - - - -




- - - - - - - - - - - - -




-

To

increas

e

To

increas

e

- - - - - - -

To

increas

e

To

increas

e

-




- -

To

answer

consum

- - - - - -

To

answer

consum

To

answer

consum

To

answer

consum

-


6/169




- - - - - - - - - - - - -




Transp

arency

is a

Mediati

on

offered




To

establis

h a

Mediati

on

offered




To

develo

p

Mediati

on

offered(Q7_B_4) 2A. [Topic:%[Agency





Category:A; Question:What is the basis

- - - - - - - - - - - - -




Central Bank

law- -

Central

Bank

law

Central

Bank

law

Central

Bank

law

- - - -

Central

Bank

law

- -




- - - - - -

Consu

mer

protect

Consu

mer

protect

- - -

Consu

mer

protect

-

(Q9_A_4) 2B. National financial

inclusion strategy [Topic:%[Agency


- -

Nation

al

financi

- -

Nation

al

financi

- - -

Nation

al

financi

- -

Nation

al

financi


education/literacy strategy


-

Nation

al

financi

- - -

Nation

al

financi

- - - - - - -



Question:What is the basis for the

- - - Others - - - - Others Others Others - Others


[Topic:%[Agency Name]Q89_A_2%;Category:A; Question:What is the basis

- - - - - - - - - - - - -




- - - - - -

Central

Bank

law

- - - -

Central

Bank

law

-




- - - - - - - - - - - - -




- -

Nation

al

financi

- - - - - -

Nation

al

financi

-

Nation

al

financi

-




-

Nation

al

financi

- - - - - - - - - - -




- - - - - Others - - Others Others Others - -




- - - - -Constit

ution- -

Constit

ution- - - -




- - - - - - - - - - - - -

(Q9_A_15) 2B. Consumer protectionlaw [Topic:%[Agency Name]Q89_A_3%;


- - - - -Consumer

protect

- - - - - - -




- -

Nation

al

financi

- - - - -

Nation

al

financi

Nation

al

financi

-

Nation

al

financi

-




-

Nation

al

financi

- - - - - -

Nation

al

financi

- - - -




- - - - - - - - Others Others Others - -


7/169




- - - - - - - - - - - - -




- - - - - - - - - - - - -




- - - - - - - - -

Consu

mer

protect

- - -




- -

Nation

al

financi

- - - - - - - -

Nation

al

financi

-




-

Nation

al

financi

Nation

al

financi

- - - - - - - -

Nation

al

financi

-




- - - - - - - - - - Others - -




-

bankin

g law

Law on

Protect

ion of

For the

Transp

arency

Disclos

ure

require

1.

Financi

al

1.Finan

cial

Service




Cooper

atives

Law

Bankin

g law

(article

Disclos

ure

require

Financi

al

Sector




Annual

Progra

m

Disclos

ure

require

Financi

al

Sector




Financi

al

Sector

(Q90_A_1) 1&2C. Personal loans

originated by banks [Topic:%[Agency


- - -

Person

al loans

originat

-

Person

al loans

originat

- - -

Person

al loans

originat

Person

al loans

originat

Person

al loans

originat

Person

al loans

originat


originated by non-bank financial

institutions [Topic:%[Agency

- -

Person

al loans

originat

Person

al loans

originat

- - - - -

Person

al loans

originat

Person

al loans

originat

Person

al loans

originat

Person

al loans

originat

(Q90_A_3) 1&2C. Credit cards issued by

banks [Topic:%[Agency


- - -

Credit

cards

issued

- - - - -

Credit

cards

issued

Credit

cards

issued

Credit

cards

issued

Credit

cards

issued

(Q90_A_4) 1&2C. Credit cards issued by

non-bank financial institutions


- -

Credit

cards

issued

- - - - - -

Credit

cards

issued

- -

Credit

cards

issued

(Q90_A_5) 1&2C. Deposit and savings

products [Topic:%[Agency


- - -

Deposit

and

savings

- - - - -

Deposit

and

savings

Deposit

and

savings

Deposit

and

savings

Deposit

and

savings

(Q90_A_6) 1&2C. Insurance products

[Topic:%[Agency Name]Q89_A_1%;Category:A; Question:What financial

- - - - - - - - - - -

Insuran

ceproduct

Insuran

ceproduct

(Q90_A_7) 1&2C. Islamic banking



- - -

Islamic

bankin

g

- - - - - -

Islamic

bankin

g

- -

(Q90_A_8) 1&2C. Islamic insurance



- - - - - - - - - - - - -

(Q90_A_9) 1&2C. Money transfer


Category:A; Question:What financial

- - -

Money

transfe

r

- - - - -

Money

transfe

r

Money

transfe

r

Money

transfe

r

Money

transfe

r

(Q90_A_10) 1&2C. Mobile financial

services/e-money [Topic:%[Agency


- - - - - - - - -

Mobile

financi

al

Mobile

financi

al

Mobile

financi

al

Mobile

financi

al

(Q90_A_11) 1&2C. Investment products



- - -

Invest

ment

product

- - - - - -

Invest

ment

product

Invest

ment

product

Invest

ment

product

(Q90_A_12) 1&2C. Financial advice



- - - - - -

Financi

al

advice

Financi

al

advice

- - - -

Financi

al

advice




- - - - - - - - - - -

Person

al loans

originat

-


8/169




- - - - -

Person

al loans

originat

- - -

Person

al loans

originat

-

Person

al loans

originat

-

(Q90_A_15) 1&2C. Credit cards issued

by banks [Topic:%[Agency


- - - - - - - - - - -

Credit

cards

issued

-


by non-bank financial institutions


- - - - - - - - - - - - -




- - - - - - - - -

Deposit

and

savings

-

Deposit

and

savings

-




- - - - - - - - -

Insuran

ce

product

-

Insuran

ce

product

-




- - - - - - - - - - - - -




- - - - - - - - - - - - -


[Topic:%[Agency Name]Q89_A_2%;Category:A; Question:What financial

- - - - - - - - - - -

Money

transfe

r

-




- - - - - - - - - - -

Mobile

financi

al

-




- - - - - - - - -

Invest

ment

product

Invest

ment

product

- -




- - - - - - - - - - - - -

(Q90_A_25) 1&2C. Personal loansoriginated by banks [Topic:%[Agency


- - - - - - - - - - - - -




- - - - -

Person

al loans

originat

- - -

Person

al loans

originat

- - -




- - - - - - - - - - - - -




- - - - - - - - - - - - -




- - - - - - - - -

Deposit

and

savings

Deposit

and

savings

- -




- - - - - - - - - - - - -




- - - - - - - - - - - - -


products [Topic:%[AgencyName]Q89_A_3%; Category:A;

- - - - - - - - - - - - -




- - - - - - - - - - - - -




- - - - - - - - - - - - -




- - - - - - - - -

Invest

ment

product

- - -

(Q90_A_36) 1&2C. Financial advice[Topic:%[Agency Name]Q89_A_3%;


- - - - - - - - - - - - -


9/169




- -

Person

al loans

originat

- - - - - -

Person

al loans

originat

- - -




- -

Person

al loans

originat

- - - - - -

Person

al loans

originat

- - -




- -

Credit

cards

issued

- - - - - -

Credit

cards

issued

- - -




- -

Credit

cards

issued

- - - - - -

Credit

cards

issued

- - -




- -

Deposit

and

savings

- - - - - -

Deposit

and

savings

- - -




- -

Insuran

ce

product

- - - - - -

Insuran

ce

product

Insuran

ce

product

- -




- -

Islamic

bankin

g

- - - - - - - - - -




- -

Islamic

insuran

ce

- - - - - - -

Islamic

insuran

ce

- -




- -

Money

transfe

r

- - - - - -

Money

transfe

r

- - -




- -

Mobile

financi

al

- - - - - -

Mobile

financi

al

- - -




- -

Invest

ment

product

- - - - - -

Invest

ment

product

- - -



Category:A; Question:What financial - -

Financi

aladvice

- - - - - - - - - -

(Q11) 3. Please describe any

institutional arrangements that help to

facilitate coordination among the

no

Bank of

Uganda

,Financi

La

coordin

ation

consum

er

awaren

There

is no

other

There

are

cooper

The

two

agencie

no

Banxico

:

Financi

Memor

anda of

Unders

1.

Philippi

ne

Usually

inter

agency

Reserv

e Bank

of

(Q12) 4. Do consumer advocacy

organizations play a role in designing

and implementing policies related to

No

Yes,

please

describ

Yes,

please

describ

No No No No No

Yes,

please

describ

Yes,

please

describ

Yes,

please

describ

Yes,

please

describ

Yes,

please

describ

(Q12SPECIFIED_1) 4. Yes, please

describe Specify [Question: Do

consumer advocacy organizations play

part

and

parcel

Ils sont

prsent

dans

Disclos

ure of

main

Particip

ation in

In

crafting

consum

There

are

many

They

are

involve

(Q14_1) 5. The high level of borrowing

from loan sharks, where there is no

consumer protection [Question: What

- - - - - - - - - - - - -

(Q14_2) 5. The high numbers of people

without access to any formal financial

services [Question: What are the two

-

The

high

numbe

-

The

high

numbe

-

The

high

numbe

The

high

numbe

-

The

high

numbe

The

high

numbe

-

The

high

numbe

The

high

numbe

(Q14_3) 5. The lack of market conduct

regulatory framework [Question: What

are the two main weaknesses in the

The lack of

market

conduct

- - - - - -

The

lack of

market

- -

The

lack of

market

- -

(Q14_4) 5. The lack of supervision and

enforcement of the existing market

conduct regulations [Question: What

- - - -

The

lack of

supervi

- -

The

lack of

supervi

- - - - -

(Q14_5) 5. Misleading disclosure

[Question: What are the two main

weaknesses in the financial sector in

- - - - - - - - - - - - -


10/169

(Q14_6) 5. Hidden fees and charges



- - - - - - - - - - - - -

(Q14_7) 5. Increasing levels of over-

indebtedness [Question: What are the

two main weaknesses in the financial

- - - - - - - - - - - - -

(Q14_8) 5. Lack of understanding of the

problems of financial sector clients


- - - - - - - - - - - - -

(Q14_9) 5. Lack of data of the level of

literacy of the population [Question:

What are the two main weaknesses in

Lack of data of

the level of

literacy of the

- - - - - - - - -

Lack of

data of

the

- -

(Q14_10) 5. Low level of financial

literacy of the population [Question:

What are the two main weaknesses in

-

Low

level of

financi

Low

level of

financi

Low

level of

financi

Low

level of

financi

Low

level of

financi

Low

level of

financi

-

Low

level of

financi

Low

level of

financi

-

Low

level of

financi

Low

level o

financi

(Q14_11) 5. Weak inter-agency

coordination [Question: What are the

two main weaknesses in the financial

- - - - - - - - - - - - -

(Q14_12) 5. Consumer empowerment

programs have been implemented with

scarce results [Question: What are the

- - - - - - - - - - - - -

The lack of

market

conduct

The

high

numbe

Low

level of

financi

The

high

numbe

The

lack of

supervi

The

high

numbe

The

high

numbe

The

lack of

market

The

high

numbe

The

high

numbe

The

lack of

market

The

high

numbe

The

high

numbe

Lack of data of

the level of

literacy of the

Low

level of

financi

Low

level of

financi

Low

level of

financi

Low

level of

financi

Low

level of

financi

The

lack of

supervi

Low

level of

financi

Low

level of

financi

data of

the

level of

Low

level of

financi

Low

level o

financi

(Q15_1) 6. To expand/clarify the

mandate of your institution [Question:

What are your institutions two main - - - - - - - - - -

To

expand

/clarify - -

(Q15_2) 6. To ensure effective

consumer protection for bank clients

[Question: What are your institutions

- - -

To

ensure

effectiv

-

To

ensure

effectiv

To

ensure

effectiv

To

ensure

effectiv

To

ensure

effectiv

- - - -

(Q15_3) 6. To expand the coverage of

the current regulatory framework to

protect microfinance and microcredit

To expand the

coverage of

the current

-

To

expand

the

- - - - - - - - -

To

expand

the

(Q15_4) 6. To expand the coverage of

the current regulatory framework to

protect users of innovative channels

- - - - -

To

expand

the

- - - - - - -

(Q15_5) 6. To expand the scope of

consumer protection regulation toachieve uniformity across the financial

- - - - - - - - - - -

To

expandthe

-

(Q15_6) 6. To introduce minimum

market conduct standards to apply to

NBFIs (with lower requirements than

- - - - - - - - - - - - -

(Q15_7) 6. To protect consumers from

unregulated providers (e.g.

unregulated money-lenders and loan

-

To

protect

consum

- - - - - - - - - - -

(Q15_8) 6. To introduce solutions to

prevent over-indebtedness [Question:

What are your institutions two main

- - - - - - - - - - - - -

(Q15_9) 6. Stronger enforcement

powers and penalties [Question: What

are your institutions two main

- - - - - - - - -

Stronge

r

enforce

- - -

(Q15_10) 6. To assess the level of

financial literacy [Question: What are

your institutions two main priorities

- - - - - - -

To

assess

the

To

assess

the

-

To

assess

the

- -

(Q15_11) 6. To increase the level of

financial literacy [Question: What are


To increase

the level of

financial

To

increas

e the

To

increas

e the

To

increas

e the

To

increas

e the

-

To

increas

e the

- -

To

increas

e the

-

To

increas

e the

To

increas

e the

(Q15_12) 6. To improve inter-agency

coordination [Question: What are your

institutions two main priorities for the

- - - - - - - - - - - - -



your


11/169

(Q15_13) 6. To evaluate cost-

effectiveness of implemented

consumer empowerment programs in

- - - - - - - - - - - - -

(Q15_14) 6. Others, please explain

[Question: What are your institutions

two main priorities for the next year?

- - - -

Others,

please

explain

- - - - - - - -

(Q15SPECIFIED_14) 6. Others, please

explain Specify [Question: What are


Elabora

tion of

new

prepar

ed to

instrum

To expand the

coverage of

the current

To

protect

consum

To

expand

the

To

ensure

effectiv

To

increas

e the

To

ensure

effectiv

To

ensure

effectiv

To

ensure

effectiv

To

ensure

effectiv

Stronge

r

enforce

To

expand

/clarify

To

expand

the

To

expand

the

To increase

the level of

financial

To

increas

e the

To

increas

e the

To

increas

e the

Others,

please

explain

To

expand

the

To

increas

e the

To

assess

the

To

assess

the

To

increas

e the

To

assess

the

To

increas

e the

To

increas

e the

Elabora

tion of

new

prepar

ed to

instrum

(Q16_1) 7. General consumer

protection laws or regulations that

apply to the financial sector [Question:

- -

Genera

l

consum

-

Genera

l

consum

Genera

l

consum

Genera

l

consum

Genera

l

consum

Genera

l

consum

-

Genera

l

consum

Genera

l

consum

Genera

l

consum

(Q16_2) 7. Specific laws or regulations

that govern financial consumer

protection [Question: What legal or

-

Specific

laws or

regulati

- -

Specific

laws or

regulati

- - -

Specific

laws or

regulati

- - -

Specific

laws or

regulati

(Q16_3) 7. Banking or financial laws or

regulations that include general clauses

or requirements in relation to

Banking or

financial laws

or regulations

-

Bankin

g or

financi

-

Bankin

g or

financi

-

Bankin

g or

financi

Bankin

g or

financi

Bankin

g or

financi

Bankin

g or

financi

Bankin

g or

financi

Bankin

g or

financi

-

(Q16_4) 7. Banking or financial laws or

regulations that include specific clauses

or requirements in relation to

- - -

Bankin

g or

financi

Bankin

g or

financi

-

Bankin

g or

financi

-

Bankin

g or

financi

- -

Bankin

g or

financi

-

(Q16_5) 7. Others, please explain

[Question: What legal or regulatory

documents govern market conduct

- - - -

Others,

please

explain

- - -

Others,

please

explain

- - - -


explain Specify [Question: What legal

or regulatory documents govern

Genera

l laws

consum

Regulat

ion on

Terms,

CNBV:

Financi

al

(Q17_1) 8. Personal loans originated by

banks [Question: If market conductstandards are in place (either through

Personal loans

originated bybanks

Person

al loansoriginat

Person

al loansoriginat

Person

al loansoriginat

Person

al loansoriginat

Person

al loansoriginat

Person

al loansoriginat

Person

al loansoriginat

Person

al loansoriginat

Person

al loansoriginat

Person

al loansoriginat

Person

al loansoriginat

Person

al loansoriginat

(Q17_2) 8. Personal loans originated by

non-bank financial institutions

[Question: If market conduct standards

- -

Person

al loans

originat

-

Person

al loans

originat

-

Person

al loans

originat

Person

al loans

originat

Person

al loans

originat

Person

al loans

originat

Person

al loans

originat

Person

al loans

originat

-

(Q17_3) 8. Credit cards issued by banks


are in place (either through legislation

- -

Credit

cards

issued

Credit

cards

issued

Credit

cards

issued

Credit

cards

issued

Credit

cards

issued

Credit

cards

issued

Credit

cards

issued

Credit

cards

issued

Credit

cards

issued

Credit

cards

issued

-

(Q17_4) 8. Credit cards issued by non-

bank financial institutions [Question: If

market conduct standards are in place

- -

Credit

cards

issued

- - - - -

Credit

cards

issued

-

Credit

cards

issued

- -

(Q17_5) 8. Deposit and savings

products [Question: If market conduct

standards are in place (either through

Deposit and

savings

products

Deposit

and

savings

Deposit

and

savings

Deposit

and

savings

Deposit

and

savings

Deposit

and

savings

Deposit

and

savings

Deposit

and

savings

Deposit

and

savings

Deposit

and

savings

Deposit

and

savings

Deposit

and

savings

-

(Q17_6) 8. Insurance products



-

Insuran

ce

product

Insuran

ce

product

-

Insuran

ce

product

Insuran

ce

product

-

Insuran

ce

product

Insuran

ce

product

Insuran

ce

product

Insuran

ce

product

Insuran

ce

product

Insuran

ce

product

(Q17_7) 8. Islamic banking products



-

Islamic

bankin

g

-

Islamic

bankin

g

- - - - - -

Islamic

bankin

g

- -

(Q17_8) 8. Islamic insurance products



- - - - - - - - - -

Islamic

insuran

ce

- -

What are your institutions two main

priorities for the next year?


12/169

(Q17_9) 8. Money transfer [Question: If

market conduct standards are in place

(either through legislation or

- -

Money

transfe

r

Money

transfe

r

- -

Money

transfe

r

Money

transfe

r

Money

transfe

r

Money

transfe

r

Money

transfe

r

Money

transfe

r

-

(Q17_10) 8. Mobile financial services/e-

money [Question: If market conduct

standards are in place (either through

- -

Mobile

financi

al

- - - -

Mobile

financi

al

Mobile

financi

al

Mobile

financi

al

Mobile

financi

al

Mobile

financi

al

-

(Q17_11) 8. Investment products



-

Invest

ment

product

Invest

ment

product

Invest

ment

product

Invest

ment

product

- -

Invest

ment

product

Invest

ment

product

Invest

ment

product

Invest

ment

product

Invest

ment

product

Invest

ment

product

(Q17_12) 8. Financial advice [Question:

If market conduct standards are in

place (either through legislation or

- -

Financi

al

advice

- - -

Financi

al

advice

Financi

al

advice

Financi

al

advice

- - -

Financi

al

advice

(Q18_1) 8A. Pricing [Question: What

areas are covered?]- - Pricing Pricing - - Pricing Pricing Pricing - - Pricing Pricing

(Q18_2) 8A. Transparency and

disclosure [Question: What areas are

covered?]

Transparency

and disclosure

Transp

arency

and

Transp

arency

and

Transp

arency

and

Transp

arency

and

Transp

arency

and

Transp

arency

and

Transp

arency

and

Transp

arency

and

Transp

arency

and

Transp

arency

and

Transp

arency

and

Transp

arency

and

(Q18_3) 8A. Advertising [Question:

What areas are covered?]

- - -Adverti

sing

Adverti

sing

-Adverti

sing

Adverti

sing

Adverti

sing

Adverti

sing

Adverti

sing

Adverti

sing

Adverti

sing

(Q18_4) 8A. Introduction of new

products [Question: What areas are

covered?]

Introduction of

new products- -

Introdu

ction of

new

Introdu

ction of

new

- -

Introdu

ction of

new

Introdu

ction of

new

Introdu

ction of

new

Introdu

ction of

new

Introdu

ction of

new

Introdu

ction of

new

(Q18_5) 8A. Suitability of products and

services [Question: What areas are

covered?]

- - -

Suitabil

ity of

product

Suitabil

ity of

product

- -

Suitabil

ity of

product

Suitabil

ity of

product

-

Suitabil

ity of

product

Suitabil

ity of

product

-

(Q18_6) 8A. Financial advice given to

clients [Question: What areas are

covered?]

Financial

advice given to

clients

- - - - - -

Financi

al

advice

Financi

al

advice

- - - -

(Q18_7) 8A. Fair treatment [Question:

What areas are covered?]Fair treatment -

Fair

treatm

ent

Fair

treatm

ent

Fair

treatm

ent

-

Fair

treatm

ent

Fair

treatm

ent

Fair

treatm

ent

Fair

treatm

ent

- -

Fair

treatm

ent

(Q18_8) 8A. Unfair, deceptive or

aggressive sale practices [Question:


- -

Unfair,

decepti

ve or

Unfair,

decepti

ve or

Unfair,

decepti

ve or

-

Unfair,

decepti

ve or

-

Unfair,

decepti

ve or

Unfair,

decepti

ve or

Unfair,

decepti

ve or

Unfair,

decepti

ve or

Unfair,

decepti

ve or

(Q18_9) 8A. Reckless lending

[Question: What areas are covered?]-

Reckles

s

lending

Reckles

s

lending

- - -

Reckles

s

lending

Reckles

s

lending

- - - -

Reckles

s

lending

(Q18_10) 8A. Cooling-off period

[Question: What areas are covered?]- - -

Cooling-

off

period

- - - - -

Cooling-

off

period

-

Cooling-

off

period

-

(Q18_11) 8A. Debt collection practices

[Question: What areas are covered?]

Debt collection

practices -

Debt

collection

Debt

collection

- -

Debt

collection

Debt

collection

Debt

collection

-

Debt

collection

Debt

collection

-

(Q18_12) 8A. Protection of personal

data and information [Question: What

areas are covered?]

- -

Protect

ion of

person

Protect

ion of

person

-

Protect

ion of

person

Protect

ion of

person

Protect

ion of

person

Protect

ion of

person

Protect

ion of

person

Protect

ion of

person

Protect

ion of

person

-

(Q18_13) 8A. Prevision of procedures

to handle claims [Question: What areas

are covered?]

- -

Previsi

on of

proced

Previsi

on of

proced

Previsi

on of

proced

-

Previsi

on of

proced

Previsi

on of

proced

Previsi

on of

proced

Previsi

on of

proced

-

Previsi

on of

proced

-

(Q18_14) 8A. Dispute resolution

mechanisms [Question: What areas are

covered?]

- -

Dispute

resoluti

on

Dispute

resoluti

on

Dispute

resoluti

on

-

Dispute

resoluti

on

Dispute

resoluti

on

Dispute

resoluti

on

Dispute

resoluti

on

Dispute

resoluti

on

Dispute

resoluti

on

-

(Q18_15) 8A. Deposit protection

scheme [Question: What areas are

covered?]

-

Deposit

protect

ion

Deposit

protect

ion

-

Deposit

protect

ion

Deposit

protect

ion

-

Deposit

protect

ion

Deposit

protect

ion

-

Deposit

protect

ion

Deposit

protect

ion

-

(Q18_16) 8A. Reporting of clients

complaints to the regulator [Question:


- -

Reporti

ng of

clients

Reporti

ng of

clients

- -

Reporti

ng of

clients

Reporti

ng of

clients

-

Reporti

ng of

clients

-

Reporti

ng of

clients

Reporti

ng of

clients

(Q18_17) 8A. Others, please explain

[Question: What areas are covered?]- - - - - -

Others,

please

explain

-

Others,

please

explain

- - - -

(Q18SPECIFIED_17) 8A. Others, please

explain Specify [Question: What areas

are covered?]

1)

Priority

service

Interm

ediatio

n


13/169

(Q19_1) 8B. Banks [Question: What

providers are required to comply?]Banks Banks Banks Banks Banks Banks Banks Banks Banks Banks Banks Banks Banks

(Q19_2) 8B. Non-bank financial

institutions [Question: What providers

are required to comply?]

Non-bank

financial

institutions

Non-

bank

financi

Non-

bank

financi

-

Non-

bank

financi

-

Non-

bank

financi

Non-

bank

financi

Non-

bank

financi

Non-

bank

financi

Non-

bank

financi

Non-

bank

financi

Non-

bank

financi

(Q19_3) 8B. Insurance companies

[Question: What providers are required

to comply?]

-

Insuran

ce

compa

Insuran

ce

compa

-

Insuran

ce

compa

Insuran

ce

compa

-

Insuran

ce

compa

Insuran

ce

compa

Insuran

ce

compa

Insuran

ce

compa

Insuran

ce

compa

Insuran

ce

compa

(Q19_4) 8B. E-money issuers [Question:

What providers are required to

comply?]

- -

E-

money

issuers

- - - -

E-

money

issuers

E-

money

issuers

E-

money

issuers

E-

money

issuers

E-

money

issuers

-

(Q19_5) 8B. Mobile money service

providers [Question: What providers


- -

Mobile

money

service

- - - -

Mobile

money

service

-

Mobile

money

service

Mobile

money

service

Mobile

money

service

-

(Q19_6) 8B. Moneylenders/pawnshops


to comply?]

- -

Moneyl

enders/

pawnsh

-

Moneyl

enders/

pawnsh

- -

Moneyl

enders/

pawnsh

- -

Moneyl

enders/

pawnsh

Moneyl

enders/

pawnsh

-

(Q19_7) 8B. Investment firms


to comply?]

-

Invest

ment

firms

Invest

ment

firms

-

Invest

ment

firms

- -

Invest

ment

firms

Invest

ment

firms

Invest

ment

firms

Invest

ment

firms

Invest

ment

firms

Invest

ment

firms

(Q19_8) 8B. Financial advisers


to comply?]

- -

Financi

al

adviser

- - - -

Financi

al

adviser

- - -

Financi

al

adviser

Financi

al

adviser

(Q20_1) 9. In-site inspections

[Question: What market conduct

oversight activities can be undertaken

In-site

inspections

In-site

inspecti

ons

In-site

inspecti

ons

In-site

inspecti

ons

In-site

inspecti

ons

In-site

inspecti

ons

In-site

inspecti

ons

In-site

inspecti

ons

In-site

inspecti

ons

In-site

inspecti

ons

-

In-site

inspecti

ons

In-site

inspecti

ons

(Q20_2) 9. Off-site inspections



Off-site

inspections

Off-site

inspecti

ons

Off-site

inspecti

ons

Off-site

inspecti

ons

Off-site

inspecti

ons

Off-site

inspecti

ons

Off-site

inspecti

ons

Off-site

inspecti

ons

Off-site

inspecti

ons

Off-site

inspecti

ons

-

Off-site

inspecti

ons

Off-site

inspecti

ons

(Q20_3) 9. Media monitoring



- -

Media

monito

ring

Media

monito

ring

Media

monito

ring

-

Media

monito

ring

Media

monito

ring

Media

monito

ring

Media

monito

ring

-

Media

monito

ring

Media

monito

ring

(Q20_4) 9. Mystery shopping


oversight activities can be undertaken - - -

Myster

y

shoppi - - - - - - -

Myster

y

shoppi

Myster

y

shoppi

(Q20_5) 9. There are other methods of

monitoring compliance. Please describe

[Question: What market conduct -

are

other

metho

(Q20SPECIFIED_5) 9. There are other

methods of monitoring compliance.

Please describe Specify [Question:

Bangko

Sentral,

as part

(Q21) 9A. For In-site inspections, how

many inspections are performed peryear ?

21-50 21-50 21-50 21-50 100


14/169

(Q27_2) 14. Monetary fines [Question:

What is the nature of the enforcement

action?]

-

Monet

ary

fines

Monet

ary

fines

Monet

ary

fines

Monet

ary

fines

-

Monet

ary

fines

Monet

ary

fines

Monet

ary

fines

Monet

ary

fines

Monet

ary

fines

- -

(Q27_3) 14. Name and shame

[Question: What is the nature of the

enforcement action?]

- - - - - - - -

Name

and

shame

- -

Name

and

shame

-

(Q27_4) 14. Legal prosecution



-

Legal

prosec

ution

Legal

prosec

ution

- - -

Legal

prosec

ution

Legal

prosec

ution

Legal

prosec

ution

Legal

prosec

ution

Legal

prosec

ution

Legal

prosec

ution

-

(Q27_5) 14. Others, please describe



- - - -

Others,

please

describ

- - - -

Others,

please

describ

- - -


describe Specify [Question: What is the

nature of the enforcement action?]

Financi

al

system

Supervi

sory

actions

(Q28_A_1) 14A. [Topic:Letters of

warning or similar; Category:A;

Question:Please indicate the number of

6 - 10 1 - 5 6 - 10 21 - 5051 -

1001 - 5 1 - 5 > 100 11 - 20 6 - 10 1 - 5 > 100 1 - 5

(Q28_A_2) 14A. [Topic:Monetary fines;

Category:A; Question:Please indicatethe number of times this action of this

1 - 5 21 - 50 1 - 5 21 - 50 21 - 50 > 100 1 - 5 1 - 5 1 - 5

(Q28_A_3) 14A. [Topic:Name and

shame; Category:A; Question:Please

indicate the number of times this action

1 - 5 11 - 20

(Q28_A_4) 14A. [Topic:Legal

prosecution; Category:A;


1 - 5 1 - 5 1 - 551 -

1001 - 5 1 - 5 1 - 5 21 - 50

(Q28_A_5) 14A.

[Topic:%Q27SPECIFIED_5%; Category:A;


21 - 50 1 - 5

(Q29) 15. Are there industry codes of

conduct in your country which identify

specific market conduct standards?

No No No No No Yes Yes Yes Yes Yes Yes Yes Yes

(Q30_1) 16. Personal loans originated

by banks [Question: If codes of conduct

are in place, which products/services

-

Person

al loans

originat

Person

al loans

originat

Person

al loans

originat

-

Person

al loans

originat

Person

al loans

originat

- - -

(Q30_2) 16. Personal loans originatedby non-bank financial institutions

[Question: If codes of conduct are in

Personal loans

originat

- - - - -Personal loans

originat

- - -

(Q30_3) 16. Credit cards issued by

banks [Question: If codes of conduct


- -

Credit

cards

issued

Credit

cards

issued

-

Credit

cards

issued

Credit

cards

issued

Credit

cards

issued

- -

(Q30_4) 16. Credit cards issued by non-

bank financial institutions [Question: If

codes of conduct are in place, which

- - - - - - - - - -

(Q30_5) 16. Deposit and savings

products [Question: If codes of conduct


Deposit

and

savings

-

Deposit

and

savings

Deposit

and

savings

-

Deposit

and

savings

Deposit

and

savings

- - -

(Q30_6) 16. Insurance products


place, which products/services are

- -

Insuran

ce

product

- -

Insuran

ce

product

Insuran

ce

product

-

Insuran

ce

product

-

(Q30_7) 16. Islamic banking products



- - - - - - - - - -

(Q30_8) 16. Islamic insurance products



- - - - - - - - - -

(Q30_9) 16. Money transfer [Question:

If codes of conduct are in place, which

products/services are covered?]

- - -

Money

transfe

r

-

Money

transfe

r

Money

transfe

r

- - -


15/169

(Q30_10) 16. Mobile financial

services/e-money [Question: If codes of

conduct are in place, which

- - - - -

Mobile

financi

al

Mobile

financi

al

- - -

(Q30_11) 16. Investment products



- - - - -

Invest

ment

product

Invest

ment

product

- -

Invest

ment

product

(Q30_12) 16. Financial advice



- - - -

Financi

al

advice

- - - - -

(Q31_1) 16A. Pricing [Question: What

areas are covered?]- - - Pricing Pricing Pricing Pricing - - -

(Q31_2) 16A. Transparency and

disclosure [Question: What areas are

covered?]

- -

Transp

arency

and

Transp

arency

and

Transp

arency

and

Transp

arency

and

Transp

arency

and

- - -

(Q31_3) 16A. Advertising [Question:

What areas are covered?]- - -

Adverti

sing

Adverti

sing

Adverti

sing- - - -

(Q31_4) 16A. Introduction of new

products [Question: What areas are

covered?]

- - - -

Introdu

ction of

new

Introdu

ction of

new

- - - -

(Q31_5) 16A. Suitability of products and

services [Question: What areas are

covered?]

- - - -

Suitabil

ity of

product

Suitabil

ity of

product

Suitabil

ity of

product

- - -

(Q31_6) 16A. Financial advice given to

clients [Question: What areas are

covered?]

- - - -

Financi

al

advice

Financi

al

advice

- - - -

(Q31_7) 16A. Fair treatment [Question:

What areas are covered?]- - -

Fair

treatm

ent

Fair

treatm

ent

Fair

treatm

ent

Fair

treatm

ent

- - -

(Q31_8) 16A. Unfair, deceptive or

aggressive sale practices [Question:


- - -

Unfair,

decepti

ve or

Unfair,

decepti

ve or

Unfair,

decepti

ve or

- - - -

(Q31_9) 16A. Reckless lending


Reckles

s

lending

- - - - - -

(Q31_10) 16A. Cooling-off period

[Question: What areas are covered?]- - - - - - - - - -

(Q31_11) 16A. Debt collection practices


Debt

collecti

on

- - - - - -

(Q31_12) 16A. Protection of personal

data and information [Question: Whatareas are covered?]

- -

Protect

ion ofperson

Protect

ion ofperson

Protect

ion ofperson

Protect

ion ofperson

Protect

ion ofperson

- - -

(Q31_13) 16A. Prevision of procedures

to handle claims [Question: What areas

are covered?]

- - -

Previsi

on of

proced

-

Previsi

on of

proced

Previsi

on of

proced

- - -

(Q31_14) 16A. Dispute resolution

mechanisms [Question: What areas are

covered?]

- - -

Dispute

resoluti

on

-

Dispute

resoluti

on

Dispute

resoluti

on

- - -

(Q31_15) 16A. Deposit protection

scheme [Question: What areas are

covered?]

- -

Deposit

protect

ion

- - - - - - -

(Q31_16) 16A. Reporting of clients

complaints to the regulator [Question:


- - -

Reporti

ng of

clients

- -

Reporti

ng of

clients

- - -

(Q31_17) 16A. Others, please explain

[Question: What areas are covered?]- - - - - - - - - -

(Q31SPECIFIED_17) 16A. Others, please

explain Specify [Question: What areas

are covered?]


16/169

(Q32_1) 16B. Banks [Question: What

providers are required to comply?]- - Banks Banks Banks Banks Banks - - -

(Q32_2) 16B. Non-bank financial

institutions [Question: What providers


- - -

Non-

bank

financi

-

Non-

bank

financi

- - - -

(Q32_3) 16B. Insurance companies


to comply?]

- -

Insuran

ce

compa

- -

Insuran

ce

compa

Insuran

ce

compa

- - -

(Q32_4) 16B. E-money issuers


to comply?]

- - - - - - - - - -

(Q32_5) 16B. Mobile money service

providers [Question: What providers


- - - - -

Mobile

money

service

- - - -

(Q32_6) 16B.

Moneylenders/pawnshops [Question:

What providers are required to

- - - - -

Moneyl

enders/

pawnsh

- - - -

(Q32_7) 16B. Investment firms


to comply?]

- - - - -

Invest

ment

firms

- - - -

(Q32_8) 16B. Financial advisers


to comply?]

- - - - -

Financi

al

adviser

- - - -

(Q13) 17. Is there a self-regulatory body

(or bodies) that is responsible for

enforcing of the standards?

No No

Yes,

please

describ

Yes,

please

describ

Yes,

please

describ

Yes,

please

describ

Yes,

please

describ

Yes,

please

describ

(Q13SPECIFIED_1) 17. Yes, please

describe Specify [Question: Is there a

self-regulatory body (or bodies) that is

China

Bankin

g

Bankin

g law

provide

Banker

s

Associa

What

the

credit

For

instanc

e,

Malawi

Stock

Exchan

(Q33_1) 18. Banks [Question: What

types of providers have to comply withthe standards or codes of conduct?] Banks Banks Banks Banks Banks Banks - -

(Q33_2) 18. Non-bank financial

institutions [Question: What types of

providers have to comply with the

-

Non-

bank

financi

- - - - -

Non-

bank

financi

(Q33_3) 18. Insurance companies

[Question: What types of providers

have to comply with the standards or

- - -

Insuran

ce

compa

Insuran

ce

compa

-

Insuran

ce

compa

-

(Q33_4) 18. E-money issuers [Question:

What types of providers have to comply

with the standards or codes of

- - - - - - - -

(Q33_5) 18. Mobile money service

providers [Question: What types ofproviders have to comply with the

- - - - - - - -

(Q33_6) 18. Moneylenders/pawnshops



- - - - - - - -

(Q33_7) 18. Investment firms



- - -

Invest

ment

firms

- - -

Invest

ment

firms

(Q33_8) 18. Financial advisers



- - -

Financi

al

adviser

- - - -

(Q34) 19. Has the regulator endorsed

the code of conduct?Yes Yes No Yes Yes No No Yes

(Q35) 20. Does your country have

transparency and disclosure

regulations?

Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes

(Q36) 21. If so, what is the price

calculation formula mandated for credit

products?

Annual

Percentage

Rate (APR)

Other

price

calculat

Effectiv

e

Interest

There

is no

specific

Annual

Percent

age

Effectiv

e

Interest

There

is no

specific

There

is no

specific

Effectiv

e

Interest

Total

Cost of

Credit

Effectiv

e

Interest

Total

Cost of

Credit

There

is no

specific


17/169

(Q37_1) 21A. Origination fee [Question:

If you selected a, b, c, or d, what

specific charges and fees are included

Origination fee -Origina

tion fee

Origina

tion fee

Origina

tion fee

Origina

tion fee- -

Origina

tion fee

Origina

tion fee-

Origina

tion fee-

(Q37_2) 21A. Administration or

documentation fee [Question: If you

selected a, b, c, or d, what specific

- - -

Admini

stration

or

Admini

stration

or

Admini

stration

or

- -

Admini

stration

or

Admini

stration

or

-

Admini

stration

or

-

(Q37_3) 21A. Legal fee [Question: If you


charges and fees are included in the

- - -Legal

fee-

Legal

fee- - - - -

Legal

fee-

(Q37_4) 21A. Service fee (monthly,

transaction, etc.) [Question: If you


- - -

Service

fee

(month

Service

fee

(month

- - - -

Service

fee

(month

-

Service

fee

(month

-

(Q37_5) 21A. Debt collection fees

[Question: If you selected a, b, c, or d,

what specific charges and fees are

- - - - - - - - - - -

Debt

collecti

on fees

-

(Q37_6) 21A. Credit life insurance or

PPI [Question: If you selected a, b, c, or

d, what specific charges and fees are

- - -

Credit

life

insuran

Credit

life

insuran

- - -

Credit

life

insuran

Credit

life

insuran

-

Credit

life

insuran

-

(Q37_7) 21A. Other, please describe

[Question: If you selected a, b, c, or d,

what specific charges and fees are

-

Other,

please

describ

- -

Other,

please

describ

- - -

Other,

please

describ

-

Other,

please

describ

- -

(Q37SPECIFIED_7) 21A. Other, please

describe Specify [Question: If you


Documents

AFI CEMC WG - Member Survey - Final Dec 2011