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Financial regulation is a form of regulation or supervision, which subjects financial institutions to certain requirements, restrictions and guidelines, aiming to maintain the stability and integrity of the financial system. This may be handled by either a government or non-government organization. Financial regulation has also influenced the structure of banking sectors by increasing the variety of financial products available. Financial regulation forms one of three legal categories which constitutes the content of financial law, the other two being market practices and case law.
The Australian Prudential Regulation Authority (APRA) is a statutory authority of the Australian Government and the prudential regulator of the Australian financial services industry. APRA was established on 1 July 1998 in response to the recommendations of the Wallis Inquiry. APRA's authority and scope is determined pursuant to the Australian Prudential Regulation Authority Act, 1998 (Cth).
A financial planner or personal financial planner is a qualified financial advisor. Practicing in full service personal finance, they advise clients on investments, insurance, tax, retirement and estate planning.
A financial adviser or financial advisor is a professional who provides financial services to clients based on their financial situation. In many countries, financial advisors must complete specific training and be registered with a regulatory body in order to provide advice.
The Office of the Superintendent of Financial Institutions is an independent agency of the Government of Canada reporting to the Minister of Finance created "to contribute to public confidence in the Canadian financial system". It is the sole regulator of banks, and the primary regulator of insurance companies, trust companies, loan companies and pension plans in Canada.
The Autorité des marchés financiers (AMF) is the stock market regulator in France. The AMF is an independent public body that is responsible for safeguarding investments in financial instruments and in all other savings and investment as well as maintaining orderly financial markets.
The Canadian Depository for Securities Ltd. is the world's second largest post-trade financial services company. It is the holding company for three operating subsidiaries: CDS Clearing and Depository Services Inc., CDS Securities Management Solutions Inc., and CDS Innovations Inc.
The Financial Services Regulatory Authority of Ontario is a self-funding Crown agency which acts as the financial regulator for the province of Ontario, Canada. Established in 2016, FSRA officially succeeded its predecessor agencies – the Financial Services Commission of Ontario and the Deposit Insurance Corporation of Ontario – on June 8, 2019. The Financial Services Regulatory Authority of Ontario operates at arms-length from the Government of Ontario, and reports to the Legislative Assembly of Ontario through the Minister of Finance.
A securities commission is a government department or agency responsible for financial regulation of securities products within a particular country. Its powers and responsibilities vary greatly from country to country, but generally cover the setting of rules as well as enforcing them for financial intermediaries and stock exchanges.
Foreign exchange regulation is a form of financial regulation specifically aimed at the Forex market that is decentralized and operates with no central exchange or clearing house. Due to its decentralized and global nature, the foreign exchange market has been more prone to foreign exchange fraud and has been less regulated than other financial markets.
The French Prudential Supervision and Resolution Authority is an independent administrative authority, which monitors the activities of banks and insurance companies in France. It is an independent administrative authority that operates under the auspices of the French central bank, Banque de France.
The Alberta Securities Commission (ASC) is a regulatory agency which administers and enforces securities legislation in the Canadian province of Alberta.
The Financial Services Commission (FSC) is a regulatory authority responsible for the regulation, supervision and inspection of all financial services other than banking institutions and global business in Mauritius. The FSC operates under the aegis of the Ministry of Finance and Economic Development within an internationally recognised legal framework which includes the FSC Act, the Securities Act and the Insurance Act, it licenses, regulates, monitors and supervises the conduct of business activities in the non-banking financial services sector.
The Institut québécois de planification financière (IQPF) is a not-for-profit organization that awards the Financial Planner (F.Pl.) diploma in Quebec (Canada) and administers the Autorité des marchés financiers (AMF)'s regulation relating to the professional continuous training of its graduates.
The Chambre de la sécurité financière is the self-regulatory organization for representatives subject to Autorité des marchés financiers (Québec) distributing financial products and services, and Financial Planners of Quebec (Canada).
The Bureau des services financiers (BSF) was an organization in the Canadian province of Quebec responsible for the distribution of financial products and services covering the various disciplines defined by the "Act on the distribution of financial products and services": Insurance of persons, group insurance of persons, damage insurance, claims adjudication, financial planning, mutual fund brokerage, brokerage in investment contracts and brokerage in stock exchange plans studies. The BSF was in operation from 1998 to 2004, while its mission was absorbed under the Autorité des marchés financiers (Québec).
The Chambre de l'assurance de dommages (ChAD) in Quebec (Canada) was created under section 284 of the "Act respecting the distribution of financial products and services" at the same time of the creation of the Chambre de la sécurité financière (Québec). Legal entity, its mission is to ensure the protection of the public in matters of damage insurance. The ChAD oversees the compulsory professional development and the ethical conduct of over 15,000 damage insurance agents and brokers, as well as claims adjusters; and provides preventive oversight and enforces discipline on individuals working in these fields.
The Canassurance Hospital Service Association, also called Blue Cross Canassurance, is a not-for-profit health insurance provider in Canada. It is a member of the Canadian Association of Blue Cross Plans, operating in Ontario under the brand Ontario Blue Cross and in Quebec as Québec Blue Cross.
