Banking regulation essentials

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This Overview is a guide to the Financial Services content within the Banking Regulation Essentials subtopic, with links to the appropriate materials.

Regulated activities

Accepting deposits

Practice Note: Accepting deposits looks at the regulated activity of accepting deposits. Accepting deposits is a key hallmark of banks, credit unions or building societies. Firms should consider whether their proposed business models and plans require the firm to apply for authorisation to carry on regulated activities or to extend their permissions. 

Issuing electronic money

Practice Note: The regulated activity of issuing electronic money provides an overview of the regulatory regime surrounding the issuing of electronic money, as specified in Financial Services and Markets Act 2000 (Regulated Activities) Order 2001, SI 2001/544, Art 9B. The activity consists of the issuing of electronic money by a credit institution, a credit union or a municipal bank, or a person who is deemed to have been granted authorisation under the Electronic Money Regulations 2011, SI 2011/99, reg 74 or who falls within regulation 76(1).

Prudential requirements

The

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