{"id":2194,"date":"2017-04-19T09:56:44","date_gmt":"2017-04-19T07:56:44","guid":{"rendered":"https:\/\/www.andbank.com\/andorra\/regulatory-compliance\/"},"modified":"2025-11-28T16:19:44","modified_gmt":"2025-11-28T14:19:44","slug":"regulatory-compliance","status":"publish","type":"page","link":"https:\/\/www.andbank.com\/andorra\/en\/legal-information\/regulatory-compliance\/","title":{"rendered":"Regulatory compliance"},"content":{"rendered":"<h2>Law 7\/2024, of May 27, on the organizational requirements and operating conditions of the operating entities of the financial system, and market abuse. (MiFID)<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.andbank.com\/wp-content\/uploads\/2023\/08\/angles-documento-web-mifid-vfinal_v2-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Pre-contractual information.<\/a><\/li>\n<li><a href=\"https:\/\/www.andbank.com\/wp-content\/uploads\/2022\/03\/politica_de_conflicto_de_interes_eng.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Conflict of interest management policy.<\/a><\/li>\n<li><a href=\"https:\/\/www.andbank.com\/andorra\/wp-content\/uploads\/sites\/10\/2023\/11\/AND-POL-045-WEB-ENG-Politica-de-Mejor-Ejecucion.pdf\">Order execution policy.<\/a><\/li>\n<li><a href=\"https:\/\/www.andbank.com\/wp-content\/uploads\/2022\/03\/politica_de_salvaguarda_activos_eng.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Asset safeguard policy.<\/a><\/li>\n<li><a href=\"https:\/\/www.andbank.com\/andorra\/wp-content\/uploads\/sites\/10\/2025\/11\/CGL_2024_06_12_10_24_17.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Law 7\/2024.<\/a><\/li>\n<li><a href=\"https:\/\/www.andbank.com\/andorra\/wp-content\/uploads\/sites\/10\/2025\/11\/Llei-35-2018-de-solvencia-liquiditat-i-supervisio-prudencial-d2019entitats-bancaries-i-empreses-d2019inversio.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Law on solvency, liquidity, and prudential supervision of banking institutions and investment firms.<\/a><\/li>\n<\/ul>\n<h2><\/h2>\n<h2>CRS<\/h2>\n<p>The Common Reporting Standard (\u201cCRS\u201d) is a system for the automatic exchange of tax information between countries which allows the tax authorities of participating countries to obtain tax information relating to investments or positions which their residents hold in financial institutions located overseas (outside the country in which they are resident for tax purposes) on an annual basis.<\/p>\n<p>On 1 January 2017 the Llei 19\/2016, del 30 de novembre, d\u2019intercanvi autom\u00e0tic d\u2019informaci\u00f3 en mat\u00e8ria fiscal (the \u201cAutomatic Exchange Law\u201d) entered into force in Andorra, implementing the OECD Common Reporting Standard for reporting and due diligence relating to financial account information, with the aim of improving international tax compliance based on the automatic reciprocal exchange of information.<\/p>\n<p>This law regulates the automatic exchange of financial account information between Andorra and other countries in accordance with the relevant international agreements and treaties, situating Andorra at the highest levels of transparency in relation to the exchange of information with other OECD countries.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.andbank.com\/andorra\/en\/individuals\/andbank-informs-you\/\">More information about CRS<\/a><\/li>\n<\/ul>\n<h2><\/h2>\n<h2>Prevention of Money Laundering and the Fight against Terrorism<\/h2>\n<p>General statement on money laundering policies at the Andbank group<\/p>\n<ul>\n<li><a href=\"https:\/\/www.andbank.com\/andorra\/wp-content\/uploads\/sites\/10\/2023\/01\/2023_DECLARACION-AML-AB_EN.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Access the PDF<\/a><\/li>\n<\/ul>\n<h2>AML Wolfsberg Questionnaire<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.andbank.com\/andorra\/wp-content\/uploads\/sites\/10\/2025\/05\/DC_WOLFSBERG_CBDDQ_25042025.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Access the PDF<\/a><\/li>\n<\/ul>\n<h2><\/h2>\n<h2>USA Patriot Act<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.andbank.com\/andorra\/wp-content\/uploads\/sites\/10\/2024\/03\/ANDBANK-2024-USA-Patriot-Act-Certificate-2.pdf\">Access the USA PATRIOT ACT CERTIFICATE<\/a><\/li>\n<\/ul>\n<h2>Gurantee Schemes<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.afa.ad\/en\/fons-de-garantia?set_language=en\" target=\"_blank\" rel=\"noopener\">Access<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Law 7\/2024, of May 27, on the organizational requirements and operating conditions of the operating entities of the financial system, and market abuse. (MiFID) Pre-contractual information. Conflict of interest management policy. Order execution policy. Asset safeguard policy. Law 7\/2024. Law on solvency, liquidity, and prudential supervision of banking institutions and investment firms. CRS The Common [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":1709,"parent":2196,"menu_order":12,"comment_status":"closed","ping_status":"closed","template":"template-info-detail.php","meta":{"_acf_changed":false,"footnotes":""},"yst_prominent_words":[1356,1347,1812,1348,1797,1808,1357,1810,1809,163,181,5872,1355,1811,1806,1805,1316],"class_list":["post-2194","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.andbank.com\/andorra\/en\/wp-json\/wp\/v2\/pages\/2194"}],"collection":[{"href":"https:\/\/www.andbank.com\/andorra\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.andbank.com\/andorra\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.andbank.com\/andorra\/en\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.andbank.com\/andorra\/en\/wp-json\/wp\/v2\/comments?post=2194"}],"version-history":[{"count":21,"href":"https:\/\/www.andbank.com\/andorra\/en\/wp-json\/wp\/v2\/pages\/2194\/revisions"}],"predecessor-version":[{"id":27010,"href":"https:\/\/www.andbank.com\/andorra\/en\/wp-json\/wp\/v2\/pages\/2194\/revisions\/27010"}],"up":[{"embeddable":true,"href":"https:\/\/www.andbank.com\/andorra\/en\/wp-json\/wp\/v2\/pages\/2196"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.andbank.com\/andorra\/en\/wp-json\/wp\/v2\/media\/1709"}],"wp:attachment":[{"href":"https:\/\/www.andbank.com\/andorra\/en\/wp-json\/wp\/v2\/media?parent=2194"}],"wp:term":[{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/www.andbank.com\/andorra\/en\/wp-json\/wp\/v2\/yst_prominent_words?post=2194"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}