If you do not hold authorisation from DNB, you are not permitted to operate as an insurer unless you qualify for exemption.
We pursue a policy of active enforcement and perform checks at regular intervals. If we find that you are providing insurance services without authorisation or exemption, we have several enforcement measures that we can impose, including issuing cease and desist orders and imposing administrative fines.
Non-compliance with the Financial Supervision Act (Wet op het financieel toezicht – Wft) constitutes a criminal offence under the Economic Offences Act (Wet op de economische delicten), which we can report to the public prosecutor's office.
Dutch mortgage funds received €2 billion in new investments from institutional investors such as pension funds and insurers in the first three quarters of 2024, DNB figures show. This is less than in previous years and can be attributed to market interest rates having risen sharply during 2022.
Read more Investor interest in Dutch mortgage funds continues to decline
On Tuesday 5th November from 3:00-4:45 PM CET DNB will organize a physical information session about fit and proper assessments.
Read more Information session about fit and proper assessments DNB
Embedded finance offers customers the convenience of in-app payment options and on-the-spot insurance. This seamless integration of financial services, available exactly when and where they are needed, makes life simpler. But this innovation also entails new risks.
Read more Embedded finance: striking a balance between convenience and risk in the digital economy
Liability-Driven Investment funds (LDI funds) mainly invest in long-term government bonds and long-term interest rate derivatives. The use of these interest rate derivatives exposes LDI funds to liquidity risks in case of large interest rate fluctuations.
Read more Limited liquidity risks in Euro LDI funds
