If you do not hold a licence from the European Central Bank (ECB), you are not permitted to pursue the business of a bank in the Netherlands pursuant to Section 2:11 of the Financial Supervision Act (Wet op het financieel toezicht - Wft).
We pursue a policy of active enforcement and perform checks at regular intervals. If you pursue the business of a bank without a licence or statutory exception, DNB can take several enforcement measures, including issuing cease and desist orders and imposing administrative fines.
Non-compliance with the Financial Supervision Act constitutes a criminal offence under the Economic Offences Act, which we can report to the public prosecutor's office.
24 April 2026
News item supervision
De Nederlandsche Bank (DNB) has decided not to extend the minimum floor on the risk weights of Dutch mortgage loans of banks. The current measure was introduced in January 2022 and will expire 30 November 2026.
Read more Risk weight measure on bank mortgage loans expires
13 April 2026
News item supervision
On Thursday May 7th from 3:00-4:45 PM CET DNB will organize an online information session about fit and proper assessments.
Read more Information session about fit and proper assessments DNB – Thursday May 7th, 2026
13 April 2026
News item supervision
On 6 February 2026, the Regulatory Technical Standards (RTS) for the Active Account Requirement (AAR) (Article 7a), part of the revised European Market Infrastructure Regulation (EMIR 3), were published in the Official Journal of the European Union.
Read more Joint DNB–AFM newsletter on the first reporting under the Active Account Requirement (EMIR 3)
08 April 2026
News
New figures from DNB show that the composition of the Dutch securitisation market has changed significantly in recent years. Whereas this market previously offered mainly securitised residential mortgages, it now offers a much broader mix of loans.
Read more Securitisation market diversifies; residential mortgages lose their dominance