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A guide to regulation and supervision of microfinance : consensus guidelines (Inglês)

This Guide updates CGAP's 2003 Guiding Principles on Regulation and Supervision of Microfinance. The revisions reflect continuing developments in the global state of financial access for poor and low-income customers, including the following: Increased attention to financial services beyond microcredit; proliferation of new providers and financial service delivery mechanisms; rapid evolution of regulatory frontiers, such as the regulation of bank and nonbank agents and e-money issuers; increased funding from the private sector and quasi-commercial public investors; and focus of international financial standard-setting bodies on the need for proportionate regulation and supervision that does not result in the exclusion of low-income customers. Part I discusses preliminary issues, such as definitions of microfinance and microcredit, financial inclusion as a regulatory objective, and the difference between prudential and nonprudential regulation. Part II discusses prudential regulation of deposit-taking institutions engaged in microfinance. Part III looks at the challenges surrounding supervision of depository institutions engaged in microfinance. Part IV discusses nonprudential regulation of both depository and nondepository institutions engaged in microfinance. Part V addresses regulation of branchless banking. Part VI discusses regulation of microinsurance, especially when it is sold or administered by microfinance providers. Part VII summarizes the key observations, principles, and recommendations.

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