pc
nid 94503
Aug 11, 2026
arahman@vixio.com
Bosnia and Herzegovina
Credit Inst Laws - Banking Agency of Fed
financial services
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1518 charsBosnia and Herzegovina Banking Agency of Federation Publishes Amendments to Microcredit Organizations Law
On August 5, 2026, the Banking Agency of the Federation of Bosnia and Herzegovina (FBA) published amendments to the Law on Microcredit Organizations in the Official Gazette of the Federation of Bosnia and Herzegovina (number 59/26).
The amendments to the Law on Microcredit Organizations represent regulatory updates to the framework governing microcredit institutions operating within the Federation of Bosnia and Herzegovina. Microcredit organizations play an important role in providing financial services to underserved populations and small businesses that may lack access to traditional banking services. The FBA, as the competent banking authority for the Federation, oversees the regulation and supervision of these institutions to ensure compliance with applicable legal requirements and to maintain the stability and integrity of the financial system.
The specific provisions amended by this legislation are not detailed in the source material; however, the publication of these amendments indicates the FBA's continued commitment to updating and refining the regulatory framework applicable to microcredit organizations. The amendments came into effect on August 5, 2026, as published in the Official Gazette. Stakeholders, including microcredit organizations, financial service providers, and other regulated entities, should review the amendments to ensure full compliance with the updated legal requirements.
REFERENCES:
Banking Agency of the Federation of Bosnia and Herzegovina: https://www.fba.ba/
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1155 charsBanking Agency of the Federation of Bosnia and Herzegovina Publishes Amendments to Microcredit Organisations Law
On August 5, 2026, the Banking Agency of the Federation of Bosnia and Herzegovina (FBA) published amendments to the Law on Microcredit Organisations.
Key amendments include:
A microcredit organisation may not approve a loan to a borrower if the borrower is already credit-exposed as a guarantor with the same microcredit organisation and/or a group of persons affiliated with the microcredit organisation.
A microcredit company may also perform payment services and issue electronic money.
In the event that the cessation of operations of a microcredit organisation occurs, the FBA shall issue a decision on the revocation of the licence to operate microcredit activites.
The opening and conduct of the bankruptcy proceedings against the microcredit foundation shall be carried out in accordance with the provisions of the regulations governing the bankruptcy procedure.
Donated funds, which include funds donated to a microcredit foundations for the loan fund, are not included in the liquidation or bankruptcy estate.
This law enters into force on the day after its publication in the official gazette of the Federation of Bosnia and Herzegovina.