- Central Bank of Montenegro Law
(˝Official Gazette of MNE“, nos. 40/10, 46/10, 6/13, 70/17)
- Banking Law
(˝Official Gazette of MNE“, nos. 17/08, 44/10, 40/11, 73/17)
- Payment System Law
(˝Official Gazette of MNE“, no. 62/13, 6/14)
- Financial Stability Council Law
(˝Official Gazette of MNE“, no. 44/10)
- Law on Voluntary Financial Restructuring of Debts Towards Financial Institutions
(˝Official Gazette of MNE“, nos. 20/15, 37/17, 43/18)
- Law on Financial Leasing, Factoring, Purchase of Receivables, Micro-Lending and Credit-Guarantee Operations
(˝Official Gazette of MNE“, no. 73/17)
- Deposit Protection Law
(˝Official Gazette of MNE“, no. 44/10, 40/11, 47/15)
- Law on Investment and Development Fund of Montenegro
(˝Official Gazette of MNE“, no. 88/09, 40/10, 80/17)
- Law on Bank Bankruptcy and Liquidation
(“Official Gazette of RoM” no. 47/01, ˝Official Gazette of MNE“ nos. 62/08, 44/10)
- Law on the Conversion of Swiss Franc (CHF) - Denominated Loans Into Euro (EUR) - Denominated Loans
(˝Official Gazette of MNE“, no. 46/15, 59/16)
- Consumer Credit Law
(˝Official Gazette of MNE“, no. 35/13, 73/17)
- Law on Foreign Current and Capital Operations
(“Official Gazette of RoM” no. 45/05, ˝Official Gazette of MNE“, no. 62/08, 40/11, 62/13, 70/17)
- Law on Prevention Of Money Laundering and Terrorist Financing ("Official Gazette of Montenegro" no. 33/14)
- Law on Capital Market
(˝Official Gazette of MNE“, no. 01/18)
- Law on Settlement of Obligations and Claims in Respect of Foreign Debt and Foreign Currency Savings of Citizens
(“Official Gazette of RoM” nos. 55/03, 11/04)
Monetary instruments
- Decision on Open Market Operations (˝Official Gazette of MNE“, no. 15/11)
- Decision on detailed conditions for granting loans to banks in case of their
liquidity needs (˝Official Gazette of MNE“, no. 82/17)
Decision on Bank Reserve Requirement to be Held With the Central Bank of Montenegro (˝Official Gazette of MNE“, no. 88/17)
International reserves management
- Decision on International Reserves Management (“Official Gazette of MNE”, no. 19/11, 88/17)
Decision Amending the Decision on International Reserves Management (“Official Gazette of MNE”, no. 88/17)
Decision on International Reserves Management (“Official Gazette of MNE”, no. 19/11)
Bank supervision
- Decision on documents supporting the request for granting approvals under the Banking Law (˝Official Gazette of MNE“, no. 57/08, 80/10) - Unofficially consolidated translation - Annex
Decision amending the Decision on documents supporting the request for granting approvals under the Banking Law (˝Official Gazette of MNE“, no. 80/10)
Decision on documents supporting the request for granting approvals under the Banking Law (˝Official Gazette of MNE“, no. 57/08)
- Decision on more detail requirements to be met by the member of the bank’s board of directors (˝Official Gazette of MNE“, no. 80/10)
- Decision on capital adequacy of banks (˝Official Gazette of MNE“, no. 38/11, 55/12, 82/17) - Unofficially consolidated translation
Decision supplementing the Decision on Capital Adequacy of Banks (˝Official Gazette of MNE“, no. 82/17)
Decision amending the Decision on Capital Adequacy of Banks (˝Official Gazette of MNE“, no. 55/12)
Capital adequacy decision (˝Official Gazette of MNE“, no. 38/11)
- Decision on Minimum Standards for Operations with Bank Related Parties (˝Official Gazette of MNE“, no. 60/08)
- Decision on minimum standards for liquidity risk management in banks (˝Official Gazette of MNE“, no.60/08)
- Decision on Minimum Standards for Credit Risk Management in Banks (˝Official Gazette of MNE“, no. 22/12, 55/12, 57/13, 44/17, 82/17) - Unofficially consolidated translation
Decision Amending the Decision on Minimum Standards for Credit Risk Management in Banks (˝Official Gazette of MNE“, no. 82/17)
Decision Supplementing the Decision on Minimum Standards for Credit Risk Management in Banks (˝Official Gazette of MNE“, no. 44/17)
Decision Amending the Decision on Minimum Standards for Credit Risk Management in Banks (˝Official Gazette of MNE“, no. 57/13)
Decision Amending the Decision on Minimum Standards for Credit Risk Management in Banks (˝Official Gazette of MNE“, no. 55/12)
Decision on Minimum Standards for Credit Risk Management in Banks (˝Official Gazette of MNE“, no. 22/12)
- Decision on the Manner of Calculating Bank Exposuress (˝Official Gazette of MNE“, no. 15/12)
- Decision on Minimum Standards for Market Risks Management in Banks (˝Official Gazette of MNE“, no. 60/08)
- Decision on methods for preparation of the consolidated financial reports of the banking group (˝Official Gazette of MNE“, no. 24/09)
- Decision on Minimum Standards for Operational Risk Management in Banks (˝Official Gazette of MNE“, no. 24/09)
- Decision on minimum standards for interest rate risk management not originating from bank's trading activities (˝Official Gazette of MNE“, no. 60/08)
- Decision on Methodology for Country Risk Measurement in Banks (˝Official Gazette of MNE“, no. 60/08, 51/13)
Decision supplementing the Decision on Methodology for Country Risk Measurement in Banks (˝Official Gazette of MNE“, no. 51/13)
Decision on Methodology for Country Risk Measurement in Banks (˝Official Gazette of MNE“, no. 60/08)
- Decision on minimum standards for bank investment in immovable property and fixed assets (˝Official Gazette of MNE“, no. 24/09, 66/10, 58/11, 61/12, 13/13, 51/13, 16/15, 82/17) - Unofficially consolidated translation
Decision amending the Decision on minimum standards for bank investment in immovable properties and fixed assets (˝Official Gazette of MNE“, no. 82/17)
Decision amending the Decision on minimum standards for bank investment in immovable properties and fixed assets (˝Official Gazette of MNE“, no. 16/15)
Decision amending the Decision on minimum standards for bank investment in immovable properties and fixed assets (˝Official Gazette of MNE“, no. 51/13)
Decision amending the Decision on minimum standards for bank investment in immovable properties and fixed assets (˝Official Gazette of MNE“, no. 13/13)
Decision amending the Decision on minimum standards for bank investment in immovable properties and fixed assets (˝Official Gazette of MNE“, no. 61/12)
Decision amending the Decision on minimum standards for bank investment in immovable properties and fixed assets (˝Official Gazette of MNE“, no. 58/11)
Decision amending the Decision on minimum standards for bank investment in immovable properties and fixed assets (˝Official Gazette of MNE“, no. 66/10)
Decision on minimum standards for bank investment in immovable property and fixed assets (˝Official Gazette of MNE“, no. 24/09)
- Decision on Reporting to the Central Bank of Montenegro (˝Official Gazette of MNE“, nos. 64/12, 83/17) -Unofficially consolidated translation
ANNEXES
Decision amending the Decision on Reporting to the Central Bank of Montenegro (˝Official Gazette of MNE“, no. 83/17)
ANNEXES
Decision on Reporting to the Central Bank of Montenegro (˝Official Gazette of MNE“, no. 64/12)
ANNEXES
- Decision on Public Disclosure of Data and Information by Banks (˝Official Gazette of MNE“, no. 02/12)
- Decision on the content, deadlines and manner of compiling and submitting bank’s financial statements (˝Official Gazette of MNE“, no. 15/12, 18/13, 24/18)-Unofficially consolidated translation
Decision amending the Decision on the content, deadlines and manner of compiling and submitting bank’s financial statements (˝Official Gazette of MNE“, no. 24/18)
Decision amending the Decision on the content, deadlines and manner of compiling and submitting bank’s financial statements (˝Official Gazette of MNE“, no. 18/13)
Decision on the content, deadlines and manner of compiling and submitting bank’s financial statements (˝Official Gazette of MNE“, no. 15/12)
- Decision on the methods for preparing the consolidated financial reports of the banking group (˝Official Gazette of MNE“, no. 24/09)
- Decision on Chart of Accounts for Banks (˝Official Gazette of MNE“, no. 82/17)
- ANNEX
- Guidance on the Manner of Recording Loan Loss Provisions, Value Adjustments and Written off Items of the on-Balance Sheet Assets When Determining Opening Balance in Banks’ Business Books for 2013 (˝Official Gazette of MNE“, no. 61/12)
- Decision on the Basics of Internal Control System in Banks (˝Official Gazette of MNE“, no. 60/08)
- Decision on Internal Audit in Banks (˝Official Gazette of MNE“, no. 60/08)
- Decision on the Banking Ombudsman (˝Official Gazette of MNE“, no. 15/09, 02/12) - Unofficially consolidated translation
Decision amending the Decision on Banking Ombudsman (˝Official Gazette of MNE“, no. 02/12)
Decision on the Banking Ombudsman (˝Official Gazette of MNE“, no. 15/09)
- Decision on the content and manner of keeping registers of banks, MFIs, credit unions, branches of foreign banks, representative offices of foreign legal entities and legal persons engaged in credit guarantee operations (˝Official Gazette of MNE“, no. 60/08)
- Decision on Credit registry (˝Official Gazette of MNE“, no. 27/11, 64/12) - Unofficially consolidated translation
- Annex
Decision Amending the Decision on Credit Registry (˝Official Gazette of MNE“, no. 64/12)
Decision on Credit registry (˝Official Gazette of MNE“, no. 27/11)
- Decision on Credit registry (˝Official Gazette of MNE“, no. 39/18) - Decision shall apply from 1 January 2019
- Guidelines on Bank Risk Analysis Aimed at Preventing Money Laundering and Terrorism Financing
- Guidelines on implementation of international restrictive measures by banks and financial institutions and supervision of the implementation of these measures
- Decision on the supervision over the implementation of the Law on the Conversion of Swiss Franc (CHF) – Denominated Loans into Euro (EUR) – Denominated Loans (˝Official Gazette of MNE“, no. 49/15, 63/16) - Unofficially consolidated translation
Decision amending the Decision on the supervision over the implementation of the Law on the Conversion of Swiss Franc (CHF) – Denominated Loans into Euro (EUR) – Denominated Loans (˝Official Gazette of MNE“, no. 63/16)
Decision on the supervision over the implementation of the Law on the Conversion of Swiss Franc (CHF) – Denominated Loans into Euro (EUR) – Denominated Loans (˝Official Gazette of MNE“, no. 49/15)
Supervision of financial service providers
- Decision on documents supporting the request for granting approvals under the Law governing financial leasing, factoring, purchase of receivables, micro-lending and credit-guarantee operations (“Official Gazette of MNE”, no.24/18)
- Decision on Minimum Standards for Risk Management in Financial Services Providers (“Official Gazette of MNE”, no. 24/18)
- Decision on Financial Services Providers' Reporting to the Central Bank of Montenegro (“Official Gazette of MNE”, no. 24/18)
ANNEX
- Decision on the Manner of Calculating Capital Adequacy Ratio of the Investment and Development Fund of Montenegro (“Official Gazette of MNE”, no. 79/18) - it shall apply from 1 April 2019
- Decision on minimum standards for risk management in the Investment and Development Fund of Montenegro (“Official Gazette of MNE”, no. 79/18) - it shall apply from 1 April 2019
Protection of consumer loan beneficiaries
- Decision on the uniform manner of calculation and reporting of effective interest rate on loans and deposits (˝Official Gazette of MNE“, no. 51/13, 52/14) - Unofficially consolidated translation
Decision amending the Decision on uniform manner of calculating and reporting effective interest rate on loans and deposits (˝Official Gazette of MNE“, no. 52/14)
Decision on the uniform manner of calculation and reporting of effective interest rate on loans and deposits (˝Official Gazette of MNE“, no. 51/13)
- Decision on registration of credit intermediaries with the Central Bank of Montenegro (˝Official Gazette of MNE“, no. 51/13)
- Decision on the content of the form for informing consumers on consumer loans (˝Official Gazette of MNE“, no. 51/13)
Financial stability
- Decision establishing the forms for the submission of information on lending activity (˝Official Gazette of MNE“, no.16/18)
Payment operations and payment systems
Decision on the structure, more detail conditions and manner of transaction account opening and closing (˝Official Gazette of MNE“, no. 48/14, 24/16,14/17) - Unofficially consolidated translation
Decision amending the Decision on the structure, more detail conditions and manner of transaction account opening and closing (˝Official Gazette of MNE“, no. 14/17)
Decision supplementing the Decision on the structure, more detail conditions and manner of transaction account opening and closing (˝Official Gazette of MNE“, no. 24/16)
Decision on the structure, more detail conditions and manner of transaction account opening and closing (˝Official Gazette of MNE“, no. 48/14)
Decision on the Contents of the Central Registry of Transaction Accounts (˝Official Gazette of MNE“, no. 48/14, 32/15)- Unofficially consolidated translation
Decision amending the Decision on the Contents of the Central Registry of Transaction Accounts (˝Official Gazette of MNE“, no. 32/15)
Decision on the Contents of the Central Registry of Transaction Accounts (˝Official Gazette of MNE“, no. 48/14)
Decision on core elements of the payment orders for executing national payment transactions via transaction accounts (˝Official Gazette of MNE“, no. 48/14)
Decision on detailed conditions for providing activities of the payment service agent (˝Official Gazette of MNE“, no. 48/14)
Decision on the manner of keeping the register of payment institutions and the register of electronic money institutions (˝Official Gazette of MNE“, no. 48/14)
Decision on protection of payment service users’ funds and funds received in exchange for issued electronic money (˝Official Gazette of MNE“, no. 48/14)
Decision on own funds of payment institutions (˝Official Gazette of MNE“, no. 48/14)
Decision on own funds of electronic money institutions (˝Official Gazette of MNE“, no. 48/14)
Decision on minimum value of payment transactions to be processed in RTGS system (˝Official Gazette of MNE“, no. 48/14)
Decision on payment system oversight (˝Official Gazette of MNE“, no. 48/14)
Decision repealing some enabling regulations concerning national payment system (˝Official Gazette of MNE“, no. 48/14)
Decision on Payment System Reporting to the Central Bank of Montenegro (˝Official Gazette of MNE“, no. 82/17)
Annexes
Operating rules of the Central bank of Montenegro Payment System (“Official Gazette of MNE”, no 48/14 and 57/14) - Unofficially consolidated translation
Rules supplementing operating rules of the Central bank of Montenegro Payment system (˝Official Gazette of MNE“, no. 57/14)
Operating rules of the Central bank of Montenegro Payment System (˝Official Gazette of MNE“, no. 48/14)
- Decision on clearing of international payments (˝Official Gazette of MNE“, no. 20/08)
- Decision on detailed requirements and manner of performing bureau de change operations (˝Official Gazette of MNE“, no. 27/11)
- Decision on the unique blank form bill (˝Official Gazette of MNE“, no. 81/05)
- Decision on putting into circulation, the sale price and the withdrawing from circulation of the unique blank form bills (˝Official Gazette of MNE“, no. 01/06)
Enforced collection
- Decision repealing the Decision on carrying out the enforcement collection from the judgment debtor’s account (OGM15/12)
- Instructions for detailed manner of carrying out the enforcement on monetary assets held on the account of the judgment debtor (OGM16/12)
- Decision establishing the electronic messages for carrying out the enforced collection (OGM16/12)
Balance of payments
- Decision on Keeping Separate Records on Foreign Current and Capital Transactions and their Reporting to the Central Bank of Montenegro (“Official Gazette of MNE”, no. 08/17) - Form DI-1 - Form DI-2 - Form KO-1 - Form KZ-1 - Form RN-1 - Instruction for filling in Forms
- USER GUIDES
- Decision on the Amount of Cash that May be Brought into or Leave Montenegro Without Declaring (“Official Gazette of MNE”, no. 38/10)
- Decision on Statistical Data to be Submitted to the Central Bank of Montenegro for the Purpose of Compiling the Balance of Payments Statistics (“Official Gazette of MNE”, no. 61/12, 24/18)- Unofficially consolidated translation
Decision amending the Decision on Statistical Data to be Submitted to the Central Bank of Montenegro for the Purpose of Compiling Balance of Payments of Montenegro (“Official Gazette of MNE”, no. 24/18)
Decision on Statistical Data to be Submitted to the Central Bank of Montenegro for the Purpose of Compiling the Balance of Payments of Montenegro (“Official Gazette of MNE”, no. 61/12)
Security and protection of banknotes and coins
- Decision on the Supply of Banknotes and Coins ("Official Gazette of MNE”, no.19/11)
Annex 1
Annex 2
Annex 3
- Decision on Authenticity and Fitness Checking and Recirculation of Euro Banknotes and Coins
(“Official Gazette of MNE”, no. 35/11, 61/18) -Unofficially consolidated translation
Decision amending the Decision on Authenticity and Fitness Checking and Recirculation of Euro Banknotes and Coins (“Official Gazette of MNE”, no. 61/18)
Decision on Authenticity and Fitness Checking and Recirculation of Euro Notes and Coins (“Official Gazette of MNE”, no. 35/11)
- Decision on the Handling of Suspect Euro Banknotes and Coins and Other Activities Aimed at Protecting the Euro against Counterfeiting (“Official Gazette of MNE”, no. 35/11, 61/18) -Unofficially consolidated translation
Decision amending the Decision on the Handling of Suspect Euro Banknotes and Coins and Other Activities Aimed at Protecting the Euro against Counterfeiting (“Official Gazette of MNE”, no. 61/18)
Decision on the Handling of Suspect Euro Notes and Coins and Other Activities Aimed at Protecting the Euro Against Counterfeiting (“Official Gazette of MNE”, no. 35/11)
- Decision on medals and tokens similar to euro coins (“Official Gazette of MNE”, no. 44/14, 61/18)-Unofficially consolidated translation
Decision amending the Decision on medals and tokens similar to euro coins (“Official Gazette of MNE”, no. 61/18)
Decision on medals and tokens similar to euro coins (“Official Gazette of MNE”, no. 44/14)
- Decision on the Reproduction of Euro Banknotes (“Official Gazette of MNE”, no. 61/18)
Issuance of commemorative coins
- Decision on issuing gold and silver jubilee coins (“Official Gazette of MNE”, no. 24/16)
- Decision on Gold and Silver Jubilee Coins Using and Packaging (“Official Gazette of MNE”, no. 31/16, 25/17) - Unofficially consolidated translation
Decision amending the Decision on Gold and Silver Jubilee Coins Using and Packaging (“Official Gazette of MNE”, no. 25/17)
Decision on Gold and Silver Jubilee Coins Using and Packaging (“Official Gazette of MNE”, no. 31/16)
- Decision On changes in Prices of Commemorative Coins Issued (“Official Gazette of MNE”, no. 13/11, 25/17) - Unofficially consolidated translation
Decision amending the Decision on Changes in Prices of Commemorative Coins Issued (“Official Gazette of MNE”, no. 25/17)
Decision On Changes in Prices of Commemorative Coins Issued (“Official Gazette of MNE”, no. 13/11)
- Decision on the Manner of Using the Collections of Commemorative Montenegrin Coins Issued on the Occasion of Celebrating the Centenary of Minting the First Montenegrin State Coins (“Official Gazette of RoM” no. 37/06,“Official Gazette of MNE” no. 09/07, 13/11) - Unofficially consolidated translation
Decision ammending the decision on the Manner of Using the Collections of Commemorative Montenegrin Coins Issued on the Occasion of Celebrating the Centenary of Minting the First Montenegrin State Coins (“Official Gazette of MNE” 09/07)
Decision on the Manner of Using the Collections of Commemorative Montenegrin Coins Issued on the Occasion of Celebrating the Centenary of Minting the First Montenegrin State Coins (“Official Gazette of RoM” no. 37/06)
- Decision on establishing the collections of commemorative Montenegrin coins (“Official Gazette of RoM” no. 31/06)
- Decision on issuing commemorative gold coins (“Official Gazette of RoM” no. 31/06)
- Decision on Issuing Commemorative Coins – Alloys (“Official Gazette of RoM” no. 31/06)
- Decision on issuing commemorative silver coins (“Official Gazette of RoM” no. 31/06)
Decision on the Manner of using the Commemorative Montenegrin Coins issued on the Occasion of celebrating the Anniversary of Central Bank of Montenegro’s Commencement of Operation (OGRM 01/03, 50/04, OGM13/11)
Decision amending the Decision on the Manner of using the Commemorative Montenegrin Coins issued on the Occasion of celebrating the Anniversary of Central Bank of Montenegro’s Commencement of Operation (OGRM50/04)
Decision on the Manner of using the Commemorative Montenegrin Coins issued on the Occasion of celebrating the Anniversary of Central Bank of Montenegro’s Commencement of Operation (OGRM1/03)
- Decision on establishing the collections of commemorative Montenegrin coins (“Official Gazette of RoM” no. 45/02)
- Decision on issuing commemorative gold coins (“Official Gazette of RoM” no. 45/02)
- Decision on Issuing Commemorative Coins – Alloys (“Official Gazette of RoM” no. 45/02)
- Decision on issuing commemorative silver coins (“Official Gazette of RoM” no. 45/02)
Other
- Decision on Performing Custody Operations (“Official Gazette of MNE”, no. 34/17)
- Decision on the Chart of Accounts of the Central Bank of Montenegro (“Official Gazette of MNE”, no. 88/17)
ANNEX
- Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services (“Official Gazette of MNE”, nos. 29/11, 22/12, 58/13, 12/14, 22/14, 48/14, 32/15, 15/17, 18/17, 24/18) - Unofficially consolidated translation
Decision amending the Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services (“Official Gazette of MNE”, no. 24/18)
Corrigendum to the Decision amending the Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services (OGM 15/17) (“Official Gazette of MNE”, no. 18/17)
Decision amending the Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services (“Official Gazette of MNE”, no. 15/17)
Decision amending the Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services (“Official Gazette of MNE”, no. 32/15)
Decision Amending the Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services (“Official Gazette of MNE”, no. 48/14)
Decision supplementing the Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services (“Official Gazette of MNE”, no. 22/14)
Decision supplementing the Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services (“Official Gazette of MNE”, no. 12/14)
Decision Amending the Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services (“Official Gazette of MNE”, no. 58/13)
Decision Amending the Decision on Determining Tariffs for Calculating Fees Charged for the Central Bank of Montenegro Services (“Official Gazette of MNE”, no. 22/12)
Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services (“Official Gazette of MNE”, no. 29/11)
- Rulebook on the Implementation of Small Value Procurement
