Andorra
4 regulators · 12 laws & regulations · 3 obligations · 11 enforcement actions
| Law or regulation | Type | Year | Regulator | Summary | Source |
|---|---|---|---|---|---|
| Decret 76/2022, del 2 de març, d'aprovació del Reglament de la Llei 14/2017 (Decree 76/2022 approving the Regulation of Law 14/2017) | Regulation | 2022 | UIFAND | Implementing regulation of the AML/CFT law, published by the UIFAND on its legislation… | official |
Implementing regulation of the AML/CFT law, published by the UIFAND on its legislation page; amended by Decree 46/2025 of 19 February 2025. | |||||
| Llei 22/2022, del 9 de juny, de mesures per a la seguretat de les xarxes i dels sistemes d'informació (Ciberseguretat) (Law 22/2022 on measures for the security of networks and information systems) | Act | 2022 | ANC-AD | Regulates resilience of critical entities and the security of networks and information… | official |
Regulates resilience of critical entities and the security of networks and information systems used for essential and important services. Art. 6 names the Agència Nacional de Ciberseguretat as competent authority, with the AFA for financial entities; Art. 15 sets incident notification. | |||||
| Llei 24/2022, del 30 de juny, de representació digital d'actius mitjançant criptografia i tecnologies de registre distribuït (Law 24/2022 on the digital representation of assets using cryptography and distributed ledger technology) | Act | 2022 | AFA | Regime for digital assets and the 'veedor digital', with the AFA as authorisation and… | official |
Regime for digital assets and the 'veedor digital', with the AFA as authorisation and sanctioning authority. Art. 34 and art. 33 provide for sanctions, applied by the AFA in a 2025 case; Decree 478/2022 of 23 November 2022 sets the requirements to act as veedor digital. Published in BOPA no. 86, 2022 (per the UIFAND listing). | |||||
| Llei 5/2022, del 3 de març, d'aplicació de sancions internacionals (Law 5/2022 on the application of international sanctions) | Act | 2022 | UIFAND | Framework for applying international restrictive measures in Andorra; the UIFAND's news… | official |
Framework for applying international restrictive measures in Andorra; the UIFAND's news page refers to designations under it. Decree 389/2025 develops it for measures relating to Ukraine and Russia. | |||||
| Llei 29/2021, del 28 d'octubre, qualificada de protecció de dades personals (Qualified Law 29/2021 on personal data protection) | Act | 2021 | APDA | Sets lawful bases, data subject rights, controller duties and breach notification, and… | official |
Sets lawful bases, data subject rights, controller duties and breach notification, and the sanction regime enforced by the APDA. It was approved on 28 October 2021 and published in BOPA no. 119 on 17 November 2021. | |||||
| Llei 7/2021, del 29 d'abril, de recuperació i de resolució d'entitats bancàries i d'empreses d'inversió (Law 7/2021 on recovery and resolution of banking entities and investment firms) | Act | 2021 | AFA | Recovery and resolution regime for banks and investment firms; it repealed Llei 8/2015.… | official |
Recovery and resolution regime for banks and investment firms; it repealed Llei 8/2015. Amended by Llei 5/2026 of 30 April 2026. | |||||
| Llei 35/2018, del 20 de desembre, de solvència, liquiditat i supervisió prudencial d'entitats bancàries i empreses d'inversió (Law 35/2018 on solvency, liquidity and prudential supervision of banking entities and investment firms) | Act | 2018 | AFA | Prudential regime for banks and investment firms covering solvency, liquidity and… | official |
Prudential regime for banks and investment firms covering solvency, liquidity and supervision. The AFA publishes the original text and an English version, and lists Llei 17/2024 of 28 November 2024 as amending it. | |||||
| Llei 8/2018, del 17 de maig, dels serveis de pagament i el diner electrònic (Law 8/2018 on payment services and electronic money) - text refós amb la Llei 27/2018 | Act | 2018 | AFA | Names the AFA as the authority for supervision, authorisation and registry of payment and… | official |
Names the AFA as the authority for supervision, authorisation and registry of payment and electronic money institutions (Art. 1(2)). Only listed providers may offer payment services (Art. 4), customer funds must be safeguarded (Art. 8), and the AFA may exempt small firms with average payment volume up to EUR 3 million (Art. 6(2)). The AFA publishes a consolidated text with Llei 27/2018 and an English version. | |||||
| Llei 12/2017, del 22 de juny, d'ordenació i supervisió d'assegurances i reassegurances del Principat d'Andorra (Law 12/2017 on the regulation and supervision of insurance and reinsurance) | Act | 2017 | AFA | Regulates and sets supervision of insurance and reinsurance undertakings in Andorra. It… | official |
Regulates and sets supervision of insurance and reinsurance undertakings in Andorra. It is listed on the AFA insurance legislation page; a separate Llei 29/2025 of 11 December 2025 covers the insurance and reinsurance contract. | |||||
| Llei 14/2017, del 22 de juny, de prevenció i lluita contra el blanqueig de diners o valors i el finançament del terrorisme (Law 14/2017 on the prevention and fight against money laundering and terrorist financing) | Act | 2017 | UIFAND | Main AML/CFT statute: sets due diligence, reporting, record-keeping and internal control… | official |
Main AML/CFT statute: sets due diligence, reporting, record-keeping and internal control duties for obliged subjects and the powers of the UIFAND (BOPA no. 48, 2017). The UIFAND lists amendments by Llei 27/2018, Llei 21/2019, Llei 37/2021 and Llei 26/2022. | |||||
| Llei 7/2013, del 9 de maig, sobre el règim jurídic de les entitats operatives del sistema financer andorrà i altres disposicions que regulen l'exercici de les activitats financeres al Principat d'Andorra (Law 7/2013 on the legal regime of the operating entities of the Andorran financial system) - text refós | Act | 2013 | AFA | Sets the legal regime for the operating entities of the Andorran financial system… | official |
Sets the legal regime for the operating entities of the Andorran financial system, including banks. The AFA publishes it as a consolidated text approved by decree of 19 February 2020. | |||||
| Llei de regulació del règim disciplinari del sistema financer, del 27 de novembre de 1997 - text refós (Law regulating the disciplinary regime of the financial system, consolidated text) | Act | 1997 | AFA | Sets infringements and sanctions for the financial system. Fines for very serious… | official |
Sets infringements and sanctions for the financial system. Fines for very serious infringements reach 5% of annual net turnover (legal persons) or EUR 1,000,000 (individuals); for serious ones 2.5% or EUR 500,000. Art. 8.3 gives a 40% reduction where the accused accepts a proposed sanction within 10 business days. Art. 22.3 requires very serious and serious sanctions to be published on the AFA website within 15 business days of becoming final. Consolidated by decree of 17 July 2019 (BOPA no. 64, 24 July 2019). | |||||
| No instruments match these filters. | |||||