| Date | Authorization |
|---|---|
| France | |
| 1995-07-17 | 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. |
| 1995-07-17 | Financial leasing. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| Germany | |
| 1995-09-15 | 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. |
| 1995-09-15 | Financial leasing. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| 2025-09-01 | 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. |
| Norway | |
| 1996-09-11 | 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. |
| 1996-09-11 | Financial leasing. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| Greece | |
| 2005-02-11 | 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. |
| 2005-02-11 | Financial leasing. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| Spain | |
| 2005-03-03 | 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. |
| 2005-03-03 | Financial leasing. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| Finland | |
| 2005-03-03 | 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. |
| 2005-03-03 | Financial leasing. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| Lithuania | |
| 2005-03-03 | 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. |
| 2005-03-03 | Financial leasing. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| Latvia | |
| 2005-03-03 | 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. |
| 2005-03-03 | Financial leasing. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| Slovakia | |
| 2005-03-03 | 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. |
| 2005-03-03 | Financial leasing. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| Denmark | |
| 2011-09-09 | 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. |
| 2011-09-09 | Financial leasing. Subject to mutual recognition according to Annex 1, Directive 2013/36/EU of the European Parliament and of the Council. |
| Netherlands | |
| 2025-09-01 | 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. |
| Italy | |
| 2026-03-31 | 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. |
| 2026-03-31 | 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. |