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Creditors and Credit Intermediaries Act

Text consolidated by Valsts valodas centrs State Language Centre with amending laws of:. If a whole or part of a section has been amended, the date of the amending law appears in square brackets at the end of the section. If a whole section, paragraph or clause has been deleted, the date of the deletion appears in square brackets beside the deleted section, paragraph or clause.

Cash, cheques, payment cards credit cards, debit cards and other similar cards , automatic teller machine cards, payment documents, electronic money, software for remote electronic bank operations in the World Wide Web or using a computer or telephone and other similar means shall be considered payment instruments;. See Paragraph 39 of Transitional Provisions ].

The public reports shall include a minimal amount of information and the Financial and Capital Market Commission shall determine the procedures for publication. The credit institution shall also inform the Financial and Capital Market Commission of the existing or potential financial difficulties of the stockholders shareholders who have a significant interest in the credit institution, or impact of such persons on the activities of the credit institution.

A credit institution is prohibited from distributing advertising that provides false information regarding the activities thereof. The submission shall be accompanied by the outsourced service policy, written description of the procedure and the original of the outsourced service contract or a certified copy thereof. The following shall be determined in the outsourced service procedure:. The credit institution shall be liable for the performance of the outsourced service provider to the same extent as for its own services.

If the deficiencies are not rectified within the time period determined by the Financial and Capital Market Commission, the Financial and Capital Market Commission shall request that the credit institution terminates the outsourced service contract, and shall determine the time period for such termination. The credit institution, prior to further delegation of outsourced service, shall notify the Financial and Capital Market Commission thereof in writing and submit the documents referred to in this Section.

The provisions of this Law shall apply to further delegation of the outsourced service provision and the final provider of outsourced services. See Transitional Provisions ].

In the submission it shall indicate other Member State in which it is intended to open the branch, the address of the branch, and the given name, surname and personal identification number, if any, of the head of the branch. The Financial and Capital Market Commission shall decide on approval of the amendments and shall make known its decision to the supervisory authority of credit institutions of the relevant Member State and the credit institution in accordance with the procedures and within the time period referred to in Paragraph four of this Section.

In the submission the credit institution shall indicate the Member State in which the financial services will be provided, and the financial services it intends to provide. The notification shall indicate that from the day of receipt of the notification the financial institution has lost its right to provide financial services in the territory of the Republic of Latvia according to the procedures laid down in this Section. In order to provide licensed financial services in the territory of the Republic of Latvia, the financial institution registered in another Member State may turn to the Financial and Capital Market Commission with a submission to obtain a licence permit in accordance with general procedures.

Registration of the credit institution in the Commercial Register shall be carried out only after the decision to issue a licence permit for the operation of a credit institution has been submitted to the Commercial Register. The founding equity capital of the credit institution may be deposited only in money. The Financial and Capital Market Commission has the right to take the decision to refuse to issue a licence permit for a credit institution to be newly founded if:. In order to receive a licence permit for the operation of a credit institution, its founders must ensure:.

If the obligations of the internal audit service have been delegated to the parent company of the credit institution - a credit institution registered in the Member State, the founders of the credit institution shall submit to the Financial and Capital Market Commission the original contract concluded with the parent company. If the duties of the internal audit service have been delegated to a sworn auditor or a commercial company of sworn auditors, the founders of the credit institution shall submit the documents referred to in Section In evaluating the financial stability of a person, the requirements regarding sufficiency of free capital shall not be applicable to credit institutions and insurance companies.

The Financial and Capital Market Commission has the right to request additional information regarding the persons referred to in Sections 16 and 29 of this Law, in order to evaluate their financial condition and reputation when investigating the aforementioned person for the following purposes:.

The Financial and Capital Market Commission has the right to verify the identity of the founders of a credit institution. If the founders of the credit institution are legal registered persons, the Financial and Capital Market Commission has the right to verify information regarding their founders stockholders shareholders and owners beneficial owners , until information is acquired regarding owners beneficial owners - natural persons.

The legal persons referred to in this Section have the obligation to provide such information to the Financial and Capital Market Commission if it is not accessible in public registers from which the Financial and Capital Market Commission is entitled to receive such information. The aforementioned notification need not be sent to creditors whose right of action results from the credit institution providing such creditors with financial services.

Also a person who is competent in the management issues of an undertaking may be the person responsible for the fulfilment of the requirements for the prevention of money laundering and terrorism and proliferation financing;.

The persons to whom Section 25, Paragraph one, Clause 1 or 2 of this Law may be applied may not be the chairperson of the council and the members of the council of a credit institution. The structure of the group of the credit institution shall be indicated in the notification to the European Commission;. For the identification of such persons, the aforementioned legal persons have the obligation to submit to the Financial and Capital Market Commission the information requested thereby, unless such information is accessible in public registers from which the Financial and Capital Market Commission is entitled to receive such information.

The Financial and Capital Market Commission shall inform the relevant stockholders shareholders and the credit institution of such fact without delay. The amount of the qualifying holdings to be acquired as a percentage of the equity capital of the credit institution or the number of the voting stock shall be indicated in the notification.

The information provided for in regulatory provisions of the Financial and Capital Market Commission, which is necessary in order to assess the compliance of the person with the criteria laid down in Paragraph five of this Section, shall be appended to the notification. The list of information to be appended to the notification shall be published on the website of the Financial and Capital Market Commission.

During the evaluation process the Financial and Capital Market Commission shall also take into account the following criteria:. If the Financial and Capital Market Commission in accordance with Paragraph six of this Section has suspended the assessment period, such suspension period shall not be included in the assessment period.

The Financial and Capital Market Commission has the right to extend the referred to suspension of the assessment period up to 30 working days, if the person who wishes to acquire, has acquired, wishes to increase or has increased the qualifying holding thereof in a credit institution, is not subject to the supervision of activities of credit institutions, insurance companies, reinsurance companies, investment management companies or investment brokerage companies, or the place of residence registration of the person is located in a foreign country.

If until the end of the abovementioned time period the person has not acquired or increased the qualifying holding in the credit institution, the consent for acquisition or increasing the qualifying holding thereof in the credit institution shall cease to be in effect. Upon a substantiated request of the person in writing, the Financial and Capital Market Commission may decide on extending the abovementioned time period.

The person's remaining share of the equity capital of the credit institution or the number of the voting stock in percentage shall be indicated in the notification. The type, amount, time period of the commitments of persons whose commtiments are being secured shall be indicated in the notification and a short description of the transaction shall be provided, as well as information shall be provided as to how entering into such transaction will limit the freedom of the person in relation to the voting rights of stocks belonging thereto used in security.

The amount of holding by the relevant person as percentage of the equity capital of the credit institution or the number of the voting stock, or information regarding the termination of the qualifying holding, shall be indicated in the notification.

The provisions of this Law regarding qualifying holdings shall not be applicable to such stockholders shareholders of a credit institution whose qualifying holding in the credit institution has been created due to the prohibition of voting rights applied to another stockholder shareholder.

The internal control system shall include the following basic elements:. The decision shall be taken by at least the majority of 66 per cent of the voting shares, provided that at least 50 per cent of the voting shares are represented at the meeting of stockholders of the credit institution, or by at least the majority of 75 per cent of the voting shares, provided that less than 50 per cent of the voting shares are represented at the meeting of stockholders of the credit institution, if such meeting of stockholders is competent in accordance with the requirements of laws and regulations or the provisions of the articles of association of the credit institution.

The official or employee of the credit institution, who is simultaneously a holder of voting shares, shall not participate in taking such decision of the meeting of stockholders of the credit institution, which is related to determination of his or her remuneration. See Paragraph 56 of Transitional Provisions ]. The Financial and Capital Market Commission shall determine the countercyclical capital buffer rate with consideration to:. The countercyclical capital buffer guide shall meaningfully reflect the present stage of a crediting cycle in the Republic of Latvia, risks which result from excessively fast crediting of the national economy of the Republic of Latvia, as well as specific characteristics of the national economy of the Republic of Latvia.

The calculation of the countercyclical capital buffer guide shall be based on the deviation of the ratio of the loans issued to residents of the Republic of Latvia and gross domestic product from the long-term trend thereof calculated with consideration to:. Such increased countercyclical capital buffer rate shall be included in the calculation of the institution-specific countercyclical capital buffer rate. This date shall be the date of a day which follows 12 months after the day on which the announcement regarding determination of a countercyclical capital buffer rate that is higher than zero or an announcement regarding increase of the currently applicable countercyclical capital buffer rate is published in accordance with Paragraph seven of this Section.

In extraordinary cases the Financial and Capital Market Commission may determine an earlier date than a day which follows 12 months after the day on which the announcement regarding determination of a countercyclical capital buffer rate that is higher than zero or an announcement regarding increase of the currently applicable countercyclical capital buffer rate is published.

The Financial and Capital Market Commission may change the duration of this previously determined period of time. If the Financial and Capital Market Commission has recognised a countercyclical capital buffer rate in excess of 2. The announcement shall contain at least the following information:. This date shall be the date of a day which follows 12 months after the day on which the announcement regarding determination of a countercyclical capital buffer rate is published in accordance with Paragraph five of this Section.

In extraordinary cases the Financial and Capital Market Commission may determine an earlier date than a day which follows 12 months after the day on which the announcement regarding determination of a countercyclical capital buffer rate is published. The procedures for the calculation of the institution-specific countercyclical capital buffer rate shall be determined by the Financial and Capital Market Commission.

The Financial and Capital Market Commission shall identify on a consolidated basis the global systemically important institutions registered in the Republic of Latvia, with consideration to the requirements of Section See Paragraph 57 of Transitional Provisions ].

A parent credit institution of the European Union, a parent financial holding company of the European Union, a parent mixed financial holding company of the European Union or a credit institution may be recognised as a global systemically important institution. A credit institution which is a subsidiary company of a parent credit institution of the European Union, a parent financial holding company of the European Union or a parent mixed financial holding company of the European Union may not be recognised as a global systemically important institution.

The division into sub-categories and the boundaries between the sub-categories shall be clearly defined on the basis of the assessment performed in accordance with Paragraph one of this Section, and shall reflect the expected impact of problems of a global systemically important credit institution on the global financial market. For the first four sub-categories referred to in Section For all sub-categories, except the last sub-category, the capital buffer rate of a global systemically important institution shall increase linearly to the expected impact of problems of a global systemically important credit institution on global financial markets.

A global systemically important institution shall ensure that its Common Equity Tier 1 capital is sufficient to cover the capital buffer of the global systemically important institution.

The Financial and Capital Market Commission shall identify other systemically important institutions. A parent credit institution of the European Union, a parent financial holding company of the European Union, a parent mixed financial holding company of the European Union or a credit institution which is registered in the Republic of Latvia may be recognised as other systemically important institution.

See Paragraph 58 of Transitional Provisions]. See Paragraph 58 of Transitional Provisions ]. Upon determining the capital buffer rate of another systemically important institution the Financial and Capital Market Commission shall take into account that the application thereof shall not have disproportionate adverse effects on the whole or part of the financial system of other Member States or of the European Union as a whole, resulting in obstacles to the functioning of the internal market of the European Union.

The decision to determine the systemic risk buffer rate within the range of 3 to 5 per cent for exposures with residents of the Republic of Latvia or foreign states shall not be published before receiving of the opinion of the European Commission.

If the European Commission does not support determination of the systemic risk buffer rate indicated in the notification of the Financial and Capital Market Commission, the Financial and Capital Market Commission shall not publish the announcement of determination of the systemic risk buffer rate or shall publish an announcement of determination of the systemic risk buffer rate and provide a justification of why it has not taken into account the opinion of the European Commission.

See Paragraph 59 of Transitional Provisions ]. If a credit institution is not a global systemically important institution, other systemically important institution or a subsidiary company of a global systemically important institution or other systemically important institution, its total capital buffer requirement on an individual, consolidated and sub-consolidated basis shall be determined as the sum of the following capital buffers:.

A credit institution which conforms to the total capital buffer requirement which has been determined in accordance with the requirements of Sections Prior to the calculation of the maximum distributable amount a credit institution is prohibited to:. A credit institution shall ensure that the amount of profits and the maximum distributable amount are accurately calculated and confirm the accuracy of the calculations of the amount of profit and the maximum distributable amount for the Financial and Capital Market Commission upon its request.

A credit institution which fails to conform to the total capital buffer requirement laid down in Sections The Financial and Capital Market Commission may extend the term of drawing up and submission of the abovementioned plan for up to ten days by taking into account the individual circumstances of the credit institution, the scope of operation, and the complexity thereof. The Financial and Capital Market Commission shall assess the capital conservation plan drawn up by the credit institution.

The Financial and Capital Market Commission shall approve the abovementioned plan only in the event if it considers that implementation of such plan is most likely to maintain or ensure sufficient capital for the credit institution to be able to conform to the total capital buffer requirement laid down in Sections If the Financial and Capital Market Commission does not confirm the capital conservation plan drawn up and submitted by the credit institution in accordance with the requirements of Section A credit institution or a financial holding company prior to the acquisition of a holding in the equity capital of a commercial company registered in a foreign state, as a result of which the commercial company in accordance with this Law is subject to consolidated supervision, shall ascertain that the bank will be able to obtain the necessary information for consolidated supervision from the relevant commercial company.

A credit institution may not grant, directly or indirectly, credit for the acquisition of the stocks and other instruments of own funds issued by itself or by its parent or subsidiary, as well as accept the own stocks shares as credit security.

If a parent financial holding company or a parent mixed financial holding company control more than one institution, the requirements of Section With a permission of the Financial and Capital Market Commission, a credit institution need not conform to the requirements laid down in Sections A credit institution shall assess the quality of the assets thereof in accordance with this Law and the regulatory provisions of the Financial and Capital Market Commission.

The Financial and Capital Market Commission shall determine the requirements for the assessment of the quality of assets and creation of accruals. A credit institution, which has been selected by the Financial and Capital Market Commission on the basis of competition procedures, shall take over in full from the credit institution to be liquidated the obligations arising from its issued mortgage debentures to the holders of such debentures together with assets, which are included in the mortgage debenture cover register.

The Financial and Capital Market Commission shall determine the procedures by which credit institutions shall assess the persons who perform the principal functions.

If, within seven days after receipt of notification of the credit institution, the Financial and Capital Market Commission has not provided a reasoned objection against the change of the name of the credit institution, it shall be considered that the Financial and Capital Market Commission has given permission to the change of the name of the credit institution.

Tax Deductions That Went Away, Starting With 2018 Taxes

Text consolidated by Valsts valodas centrs State Language Centre with amending laws of:. If a whole or part of a section has been amended, the date of the amending law appears in square brackets at the end of the section. If a whole section, paragraph or clause has been deleted, the date of the deletion appears in square brackets beside the deleted section, paragraph or clause. Cash, cheques, payment cards credit cards, debit cards and other similar cards , automatic teller machine cards, payment documents, electronic money, software for remote electronic bank operations in the World Wide Web or using a computer or telephone and other similar means shall be considered payment instruments;. See Paragraph 39 of Transitional Provisions ].

This Act is the Payment Services Act and comes into operation on a date “calendar year” means a period from 1 January to 31 December (both “credit card” and “charge card” have the meaning given by section 56 of.

By nearly doubling the standard deduction and eliminating—or limiting—many itemized deductions, the Tax Cuts and Jobs Act TCJA has made it more likely that many people who used to itemize on Schedule A will now take the standard deduction instead. Exemptions and deductions reduce taxable income. Tax credits are subtracted from the taxes you owe. All three of these elements have been impacted by the TCJA and each affects the amount you pay in a different way. Personal and dependent exemptions are going away. While an exemption is not technically a deduction, it functions the same way by allowing you to reduce your taxable income by the amount of the exemption. The child tax credit is refundable, which means that even if you don't owe taxes due to low income you can still receive partial credit, providing or increasing a refund. Remember, this is a tax credit so, unlike a deduction, which reduces taxable income, this comes directly off the taxes you owe. The TCJA raised the standard deductions.

Образец справки о рождении. Сколько стоит единый билет в Крым. Помните, что старая оценочная бумага, если она имеется, не подойдет: оценка стоимости автомобиля должна быть сделана на момент смерти наследодателя. Подобные сведения подаются работодателем конкретного работника и сводятся постепенно в единый электронный документ.

Электронные сигареты, парогенераторы и жидкости с никотином с 1 января 2017 года уравнены с табачной продукцией, облагаются акцизом и видимо в скором времени попадут под законы об обороте табачной продукции. Частоту его проведения также отражает непосредственно договор.

Обособленное подразделение: форма, бланк и учет. Порядок оформления вычета подоходного налога. Право пересчитать пенсию есть у многих, только вот некоторым гражданам этот процесс будет не выгоден. Для недобросовестных соседей предусматриваются разнообразные нормы корректировки поведения. В 2008 году состоялось его официальное открытие, что стало действительно приятным сюрпризом для жителей города.

Генеральный директор Иванов А. Ипотека на двоих с поручительством. Кроме того, такая езда может стать причиной аварийных ситуаций. Это правило распространяется как на основной имущественный возврат, так и на проценты. Сейф просто необходим владельцу оружия. Всем лицам, получавшим выплаты, в карточках регистрации делаются специальные отметки: день выдачи средств и сумма. Правила пользования лифтами не таят в себе никаких сложностей. Надо понимать, что анонимные претензии не будут приниматься во внимание.

each year, starting from 30th December until 30th December Article 4​. Commitment fee of 0,25% of the loan amount shall be paid to the Credit Bank.

Через много лет после нотариального удостоверения могут быть востребованы и завещания. Соответственно, если арендодатель зафиксирует факт ненадлежащего состояния помещения, он может потребовать от арендатора устранить указанные нарушения, расторгнуть договор аренды, а также возместить причиненные убытки. Оплачивается теми же способами, как и на взрослого. По сложившейся к 2018 году тенденции стало понятно, что банк в любом случае не оставит должника в покое и будет стараться найти способ взыскать все, что причитается ему по закону.

Акт списания оборудования составляют в двух экземплярах: для материально-ответственного лица и бухгалтера. Лица, которые отбыли своё наказание могут самостоятельно инициировать снятие судимости, путём подачи соответствующего ходатайства. Приобрести необходимые сведения, позволяющие создать свой профиль по доступу к личной налоговой информации на сайте можно в любом отделении. И чтобы увидеть фальшивые права, следует детально сравнить их с настоящим документом.

Их необходимо предъявить сотруднику налоговой службы. При этом критерии перехода таковы: уровень дохода за 9 месяцев не должен превышать в 2017 году 59 805 000 р. Незаконный оборот наркотических и психотропных веществ и их аналогов, если действие не образует состав преступления.

Какова доля сына в наследстве своего отца. С нарушителями должна быть проведена профилактическая беседа, при необходимости составлен протокол. Видите неточности, неполную или неверную информацию. Для того чтобы Игорь А. То есть существует потенциальная возможность быть наказанной в течение года после совершения правонарушения. Специально для этих представителей общества предусмотрена возможность более раннего ухода на отдых после 20 летней выслуги. Неопровержимым доказательством может считаться видео и фотофиксация, но такая техника пока еще не установлена во всех общественных местах, на лестницах, перронах железнодорожного вокзала.

Кроме этого, банки оставляют следы, которые исчезают на третий день после окончания курса лечения. В 2014 году пошли первые разговоры о процедуре возврата прав досрочно. Проверяют ли банки отчисления в пенсионный фонд.

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