Regulation

& Consumer protection

In order to be allowed to accept client funds and provide financial services, an explicit authorisation by the respective supervisory authority is required. Only after an extensive examination process, which among other things also assesses the qualification of the acting persons, is a corresponding authorisation granted. If a company provides financial services without having a corresponding licence, this is called illicit business.

We have compiled an overview of the most important supervisory authorities for you. From here you can quickly and conveniently access the websites of the authorities responsible for the respective countries.

If you are looking for CFD and FX providers regulated in the EU, you will find them here.
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Important Notice

Current warnings from the supervisory authorities can be found here in this section or in the news section.

New: Information offer on consumer protection (JC 2022 03)

Further sources of information: Red Flag · Warning messages
Financial Services and Markets Authority (FSMA)
Belgium

Here you can find important information on consumer protection as well as warnings from the supervisory authority against unfair offers.
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Gibraltar Financial Services Commission (GRSC)
Gibraltar

Here you can find important information on consumer protection as well as warnings from the supervisory authority against unfair offers.
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Commission de Surveillance du Secteur Financier (CSSF)
Luxembourg

Here you can find important information on consumer protection as well as warnings from the supervisory authority against unfair offers.
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Central Bank of Cyprus (CBC)
Cypress

Here you can find important information on consumer protection as well as warnings from the supervisory authority against unfair offers.
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Commodity Futures Trading Commission (CFTC)
USA

Here you can find important information on consumer protection as well as warnings from the supervisory authority against unfair offers.
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Federal Reserve Board (FED)
USA

Here you can find important information on consumer protection as well as warnings from the supervisory authority against unfair offers.
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New York State Department of Financial Services ()
USA

Here you can find important information on consumer protection as well as warnings from the supervisory authority against unfair offers.
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Office of the Comptroller of the Currency ()
USA

Here you can find important information on consumer protection as well as warnings from the supervisory authority against unfair offers.
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Securities and Exchange Commission (SEC)
USA

Here you can find important information on consumer protection as well as warnings from the supervisory authority against unfair offers.
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Financial Market Supervisory Authority (FINMA)
Switzerland

Here you can find important information on consumer protection as well as warnings from the supervisory authority against unfair offers.
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Regulation and consumer protection
Consumers who purchase financial products, use financial services or plan to do so need protection. Consumer protection is, therefore, an essential social task - especially for the supervisory authorities. In consumer protection, the tasks are divided: The respective financial market supervisory authority carries out collective consumer protection; it protects the interests of the totality of consumers in the financial market. On the other hand, the protection of individual consumers is the task of the ombudsmen, arbitration boards and the ordinary courts. The supervisory authorities want to protect the totality of consumers adequately. A specialised department deals with the diverse consumer protection-related topics that concern the supervisory authority.

Every day, many warnings are issued by the supervisory authorities against fraudulent offers. It feels like there are more of them every day, and for inexperienced investors, it is becoming increasingly difficult to distinguish between severe and dubious offers.

DDH has set itself the task of helping to ensure that black sheep have fewer opportunities to implement their dishonest schemes. In the spirit of active consumer protection, one of our goals is to develop DDH into a central research and information platform that should be visited as a first port of call before deciding to enter a new business relationship.

For current warnings, you can access the respective publications of the supervisory authorities from here. You are also welcome to take a look at the news section. Under the category Consumer Protection, you will find a selection of current news. 
We have compiled a current overview of publications by the supervisory authorities for you on this page.