| Date | Authorization |
|---|---|
| Norway | |
| 2004-03-24 | Lending including, inter alia: consumer credit, credit agreements relating to immovable property, factoring, with or without recourse, financing of commercial transactions (including forfeiting). Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2012-12-20 | Ia) The life insurance referred to in points (a)(i), (ii) and (iii) of Article 2(3) Solvency 2 Directive excluding those referred to in II and III (direct) [Chapter 2 Section 12 of the Insurance Business Act (2010:2043)] |
| 2012-12-20 | 16. Miscellaneous financial loss (direct) [Chapter 2 Section 11 of the Insurance Business Act (2010:2043)] |
| 2012-12-20 | 1. Accident (direct) [Chapter 2 Section 11 of the Insurance Business Act (2010:2043)] |
| 2012-12-20 | 2. Sickness (direct) [Chapter 2 Section 11 of the Insurance Business Act (2010:2043)] |
| 2013-03-22 | Taking deposits and other repayable funds. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2013-03-22 | Financial leasing. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2013-03-22 | Guarantees and commitments. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2013-12-18 | Payment services as defined in Article 4(3) of Directive (EU) 2015/2366 of the European Parliament and of the Council |
| Denmark | |
| 2007-02-20 | Credit reference services. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2007-02-20 | Lending including, inter alia: consumer credit, credit agreements relating to immovable property, factoring, with or without recourse, financing of commercial transactions (including forfeiting). Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2024-05-01 | Payment services as defined in Article 4(3) of Directive (EU) 2015/2366 of the European Parliament and of the Council |
| Germany | |
| 2007-02-20 | Lending including, inter alia: consumer credit, credit agreements relating to immovable property, factoring, with or without recourse, financing of commercial transactions (including forfeiting). Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2019-02-25 | Taking deposits and other repayable funds. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2025-10-31 | Payment services as defined in Article 4(3) of Directive (EU) 2015/2366 of the European Parliament and of the Council |
| Finland | |
| 2007-02-20 | Lending including, inter alia: consumer credit, credit agreements relating to immovable property, factoring, with or without recourse, financing of commercial transactions (including forfeiting). Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2013-03-22 | Taking deposits and other repayable funds. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2013-03-22 | Financial leasing. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2013-03-22 | Guarantees and commitments. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2020-03-02 | Payment services as defined in Article 4(3) of Directive (EU) 2015/2366 of the European Parliament and of the Council |
| Austria | |
| 2010-06-24 | Credit reference services. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2010-06-24 | Lending including, inter alia: consumer credit, credit agreements relating to immovable property, factoring, with or without recourse, financing of commercial transactions (including forfeiting). Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| Netherlands | |
| 2011-03-28 | Lending including, inter alia: consumer credit, credit agreements relating to immovable property, factoring, with or without recourse, financing of commercial transactions (including forfeiting). Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2023-06-19 | Taking deposits and other repayable funds. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2024-05-01 | Payment services as defined in Article 4(3) of Directive (EU) 2015/2366 of the European Parliament and of the Council |
| Poland | |
| 2011-03-28 | Lending including, inter alia: consumer credit, credit agreements relating to immovable property, factoring, with or without recourse, financing of commercial transactions (including forfeiting). Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| France | |
| 2016-12-15 | Lending including, inter alia: consumer credit, credit agreements relating to immovable property, factoring, with or without recourse, financing of commercial transactions (including forfeiting). Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| Italy | |
| 2016-12-15 | Lending including, inter alia: consumer credit, credit agreements relating to immovable property, factoring, with or without recourse, financing of commercial transactions (including forfeiting). Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| Estonia | |
| 2018-02-01 | Lending including, inter alia: consumer credit, credit agreements relating to immovable property, factoring, with or without recourse, financing of commercial transactions (including forfeiting). Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| Malta | |
| 2022-07-19 | Lending including, inter alia: consumer credit, credit agreements relating to immovable property, factoring, with or without recourse, financing of commercial transactions (including forfeiting). Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| Spain | |
| 2023-06-19 | Taking deposits and other repayable funds. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2025-10-15 | Lending including, inter alia: consumer credit, credit agreements relating to immovable property, factoring, with or without recourse, financing of commercial transactions (including forfeiting). Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| Slovakia | |
| 2024-05-13 | Lending including, inter alia: consumer credit, credit agreements relating to immovable property, factoring, with or without recourse, financing of commercial transactions (including forfeiting). Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| Ireland | |
| 2025-03-03 | Taking deposits and other repayable funds. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2025-03-03 | Lending including, inter alia: consumer credit, credit agreements relating to immovable property, factoring, with or without recourse, financing of commercial transactions (including forfeiting). Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |