Provisions

• Provisions on Disclosure of Pricing Information on Consumer Credit (APR)
  Available in English 

Simulation tool:

The methodology for the calculation of the APR is equal to the Consumer Credit Directive of the European Commission (Directive 2008/48 / EC, Directive 2011/90 / EU) and the APR calculation of the Dutch Authority for the Financial Markets (AFM) (Besluit Gedragstoezicht financiële ondernemingen Wft, bijlage A).To provide more clarity about the APR and the calculation method, the European Commission has developed a tool/simulator, which is available using the following link: 

http://ec.europa.eu/consumers/rights/docs/simulator_2014_en.xls  

Description on how to use it: 

http://ec.europa.eu/consumers/rights/docs/simulator_description_2014_en.pdf

• Provisions on Preventing Overextension of Credit (POC)
  Available in English and Papiamentu.
   
• Provisions on the Disclosure of Interest Rates on Deposit Accounts (APY)
  Available in English and Papiamentu.
   
• Regeling betreffende klachtenafhandeling door onder toezichtstaande (rechts)personen
  Available in English and Dutch
   
• Handreiking implementatie Regeling klachtenafhandeling
  Available in English and Dutch

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