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https://github.com/luxfi/compliance.git
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84 lines
2.8 KiB
Go
84 lines
2.8 KiB
Go
// Copyright 2024-2026 Lux Partners Limited. All rights reserved.
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// Use of this source code is governed by the Apache 2.0
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// license that can be found in the LICENSE file.
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package regulatory
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// Germany implements the Jurisdiction interface for BaFin regulation.
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// Covers KWG (Banking Act), KAGB (Investment Code), MiCA, and WpHG (Securities Trading Act).
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type Germany struct{}
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func (g *Germany) Name() string { return "Germany" }
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func (g *Germany) Code() string { return "DE" }
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func (g *Germany) RegulatoryFramework() string { return "mica" }
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func (g *Germany) PassportableTo() []string { return []string{"LU", "FR", "NL", "IE", "IT", "ES"} }
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func (g *Germany) Requirements() []Requirement {
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return []Requirement{
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{
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ID: "de-bafin-licence",
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Category: "licensing",
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Description: "BaFin licence for banking, financial services, or investment firm under KWG",
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Mandatory: true,
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Reference: "Kreditwesengesetz (KWG), s.32",
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},
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{
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ID: "de-mica-casp",
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Category: "licensing",
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Description: "MiCA CASP authorisation via BaFin for crypto-asset services",
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Mandatory: false,
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Reference: "Regulation (EU) 2023/1114 (MiCA), Title V; BaFin guidance on MiCA implementation",
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},
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{
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ID: "de-kagb",
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Category: "licensing",
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Description: "KAGB (Kapitalanlagegesetzbuch) compliance for investment fund management (AIF, UCITS)",
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Mandatory: false,
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Reference: "KAGB, s.20-22",
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},
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{
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ID: "de-gwg-kyc",
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Category: "kyc",
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Description: "CDD under Geldwaeschegesetz (GwG): verify identity, beneficial owner, purpose",
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Mandatory: true,
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Reference: "GwG (Money Laundering Act), s.10-11",
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},
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{
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ID: "de-gwg-edd",
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Category: "kyc",
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Description: "Enhanced due diligence for PEPs and high-risk relationships",
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Mandatory: true,
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Reference: "GwG, s.15",
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},
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{
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ID: "de-gwg-str",
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Category: "reporting",
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Description: "Suspicious Transaction Report to FIU (Zentralstelle fuer Finanztransaktionsuntersuchungen)",
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Mandatory: true,
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Reference: "GwG, s.43",
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},
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{
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ID: "de-wphg-conduct",
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Category: "kyc",
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Description: "WpHG conduct of business rules: investor classification, suitability, product governance",
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Mandatory: true,
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Reference: "Wertpapierhandelsgesetz (WpHG), s.63-83",
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},
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{
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ID: "de-fatca-crs",
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Category: "reporting",
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Description: "FATCA/CRS reporting to BZSt (Bundeszentralamt fuer Steuern)",
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Mandatory: true,
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Reference: "Finanzkonten-Informationsaustauschgesetz (FKAustG)",
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},
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}
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}
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func (g *Germany) ValidateApplication(app *ApplicationData) []Violation {
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return validateEUApplication(app, "de-gwg-kyc", "de-gwg-edd", "de-gwg-str")
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}
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func (g *Germany) TransactionLimits() *Limits {
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return euTransactionLimits()
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}
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