Legal information

Legal information

Since May 2009, Fortis Bank has been part of BNP Paribas. Under the BNP Paribas Fortis brand, the bank offers a comprehensive range of financial services to individuals, self-employed, liberal professions and small and medium-sized enterprises on the Belgian market. 

In the insurance sector, BNP Paribas Fortis works closely with AG Insurance, Belgium's largest insurer. 

The bank also offers specialised solutions to wealthy individuals, large companies and public and financial institutions, drawing on the expertise and international network of BNP Paribas. 

The BNP Paribas Group, a leading European banking and financial services group with a global presence, is the largest bank in the Eurozone by deposits and one of the six strongest banks in the world according to Standard & Poor's. The Group employs over 200,000 people in 84 countries. 

Maxime Jadot is Chairman of the Board of Directors of BNP Paribas Fortis. Michael Anseeuw is CEO.

• Code of Conduct for Customer Relationships
• Code of Conduct for Insurance
• Code of Conduct under the Law of 21 December 2013 on various provisions concerning the financing of small and medium-sized enterprises
• Summary of BNP Paribas Fortis' Conflict of Interest Policy
• Order Execution and Processing Policy
• AG Insurance Conflict of Interest Policy
• Summary of BNP Paribas Cardif Belgium's Conflict of Interest Policy
• Information relating to the investment recommendations

PSD2

PSD 2, the second Directive regulates the payment services in the European Union and strengthens customer protection. 

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FATCA

Foreign Account Tax Compliance Act 
U.S. law which obliges financial institutions outside the US to disclose the accounts held by their U.S. clients to the U.S. Tax authority. 

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AEOI

Automatic Exchange of Information (AEOI), Common Reporting Standard (CRS), European FATCA… These are just a few common names for the new directive on the automatic exchange of financial information. 

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EMIR

European Market Infrastructure Regulation 
EMIR imposes new requirements in relation to the trading of OTC Derivatives. 

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MiFID

In June 2014, the European Commission adopted new rules revising the MiFID framework. These consist of a directive (MiFID II) and a regulation (MiFIR).

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US Patriot Act

Pursuant to the USA PATRIOT Act and final rules issued by the U.S. Department of the Treasury, a U.S. bank or a U.S. broker-dealer in securities (a "Covered Financial Institution") is required to obtain certain information from any "Foreign Bank" that maintains a correspondent account with it. 

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International payments

Embargoes, updated list of parties and countries. 

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Anti-money laundering practices

Overview of a financial institution’s anti-money laundering policies and practices.

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SFDR Directive

Sustainability information in the financial services sector. 

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Deposit protection

Your deposits and investment assets are protected by the Guarantee Fund for Financial Services and the Protection Fund. 

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US Disclaimer

Disclaimer for US citizens and residents. 

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Custody of securities

The European Central Securities Depositories Regulation” ("CSDR") is designed to promote the safe, efficient and expeditious settlement of securities transactions throughout the European Union.

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