/akn/my/act/pua/2012/70

PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PELESENAN) 2012

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Type: P.U. (A)
Status: In force
Enacted: 2012
Sections: 8

Quick answer

About this p.u. (a)

PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PELESENAN) 2012 is Malaysia P.U. (A), cited as P.U. (A) 70 2012, currently marked in force and first recorded in 2012.

Opening note

Preamble

PADA menjalankan kuasa yang diberikan oleh subseksyen 78(1), subseksyen 4(3), perenggan 5(1)(b), subseksyen 7(3) dan 8(1) dan perenggan 9(1)(b) Akta Perniagaan Perkhidmatan Wang 2011 [Akta 731], Bank, dengan kelulusan Menteri, membuat peraturan-peraturan yang berikut: Nama dan permulaan kuat kuasa

Seksyen 1

(1)

Peraturan-peraturan ini bolehlah dinamakan Peraturan-Peraturan

Perniagaan Perkhidmatan Wang (Pelesenan) 2012.

(2)

Peraturan-Peraturan ini disifatkan telah mula berkuat kuasa pada 1 Disember 2011.

Golongan lesen

Seksyen 2

Golongan dan perihalan lesen berkenaan dengan perniagaan perkhidmatan wang adalah dinyatakan dalam Jadual Pertama.

Seksyen 3

Pengemukaan maklumat bagi permohonan lesen

Seseorang pemohon yang memohon suatu lesen di bawah subseksyen 5(1) Akta hendaklah mengemukakan kepada Bank maklumat yang berikut:

(a)

butiran mengenai pemegang syer pemohon itu—

(i)

jika pemegang syer pemohon itu ialah suatu syarikat, nama, alamat dan butir-butir bagi menghubungi pemegang syernya, jumlah dan peratus syer yang dipegang dengan pemohon itu; atau

(ii)

jika pemegang syer pemohon itu ialah selain suatu syarikat, nama, alamat dan butir-butir bagi menghubungi orang

P.U. (A) 70 3

tersebut, jumlah dan peratus syer yang dipegang dengan pemohon itu;

(b)

nama, alamat dan butir-butir bagi menghubungi lembaga pengarah dan pengurusan atasan pemohon itu, peranan dan tanggungjawab mereka dalam perniagaan perkhidmatan wang yang dicadangkan itu;

(c)

struktur korporat pemohon yang dicadangkan, hubungannya dengan mana-mana syarikat berkaitan dan syarikat pegangan dalam kumpulan itu, nama syarikat itu, peratus pemegangan saham dan suatu penjelasan ringkas mengenai aktiviti setiap satu syarikat tersebut;

(d)

perancangan perniagaan yang dicadangkan bagi perniagaan perkhidmatan wang itu—

(i)

analisis daya maju yang meliputi model perniagaan, asas potensi pelanggan, saluran pengedaran dan unjuran prospek pembangunan bagi tiga tahun ke hadapan;

(ii)

unjuran pendapatan dan aliran tunai bagi tiga tahun ke hadapan; dan

(iii)

sumber dana pemohon bagi memenuhi dana modal minimum dan bagi membiayai operasi perniagaan perkhidmatan wangnya;

(e)

perkiraan tadbir urus, kawalan dalaman dan kerangka pengurusan risiko yang dicadangkan untuk mengurus operasi perniagaan perkhidmatan wang yang dicadangkan untuk memastikan—

P.U. (A) 70 4

(i)

pengendalian yang baik bagi perniagaan perkhidmatan wang dan integriti bagi operasinya;

(ii)

pematuhan terhadap kehendak Akta ini dan peraturan-peraturannya, garis panduannya, pekelilingnya, piawaiannya atau notisnya;

(iii)

penyelesaian bagi kemungkinan salah pengurusan dan fraud; dan

(iv)

perlindungan yang mencukupi atas pelanggan; dan

(f)

cadangan mekanisma kawalan dalam dan progam pematuhan bagi mematuhi Akta Pencegahan Pengubahan Wang Haram dan

Pencegahan Pembiayaan Keganasan 2001 [Akta 613] dan garis panduannya yang berhubungan dengan—

(i)

cadangan orang yang akan diberi kuasa dan tanggungjawab lembaga pengarah dan pengurusannya dalam melaksanakan langkah pencegahan pengubahan wang haram dan pembiayaan keganasan; dan

(ii)

cadangan program pematuhan pencegahan pengubahan wang haram dan pembiayaan keganasan yang berhubungan dengan dasar dan tatacara yang dicadangkan bagi penerimaan pelanggan, usaha wajar terhadap pelanggan, pemantauan berterusan, penyimpanan rekod, laporan ke atas transaksi yang disyaki dan menangani pembiayaian keganasan.

Tempoh lesen

Seksyen 4

Sesuatu lesen hendaklah berkuat kuasa bagi suatu tempoh selama tiga tahun melainkan suatu tempoh singkat ditentukan oleh Bank sebaliknya dalam lesen itu.

P.U. (A) 70 5

Seksyen 5

Seseorang pemegang lesen hendaklah membayar kepada Bank fi yang dinyatakan dalam Jadual Kedua.

Seksyen 6

Permohonan bagi pembaharuan lesen

Seseorang pemegang lesen dalam memohon suatu pembaharuan lesen hendaklah mengemukakan kepada Bank maklumat yang berikut:

(a)

akaun tahunan terkini yang diaudit atau jika tiada akaun tersebut, akaun pengurusan;

(b)

perancangan perniagaan yang kukuh dan unjuran aliran tunai bagi tiga tahun ke hadapan; dan

(c)

suatu perakuan oleh lembaga pengarahnya bahawa pemegang lesen itu telah mematuhi Akta ini dan Akta Pencegahan

Penggubahan

Wang

Haram dan

Pencegahan

Pembiayaan

Keganasan 2001, peraturan-peraturannya, garis panduannya, pekelilingnya, piawaiannya dan notisnya yang dikeluarkan di bawah kedua-dua Akta itu dan tidak pernah terlibat dalam atau memberi kemudahan kepada mana-mana aktiviti haram.

P.U. (A) 70 6

Jadual

JADUAL PERTAMA

[Peraturan 2]

GOLONGAN DAN PERIHALAN LESEN

Golongan

Perihalan

Lesen untuk menjalankan perniagaan pengurupan wang dan perniagaan pengiriman wang sahaja

Lesen untuk menjalankan perniagaan pengiriman wang sahaja

Lesen untuk menjalankan perniagaan pengurupan wang sahaja

Lesen untuk menjalankan perniagaan mata wang borong sahaja

P.U. (A) 70 7

Jadual

JADUAL KEDUA

[Peraturan 5]

Fi adalah seperti yang berikut:

Butir

Perihalan

Fi (Ringgit)

Tarikh bayaran 1.

Pemberian suatu lesen lima ratus apabila diluluskan 2.

Pembukaan atau penempatan semula suatu cawangan lima ratus setiap pemohonan apabila permohonan dikemukakan 3.

Lesen tahunan bagi—

(a)

tempat utama perniagaan lima ratus dalam bulan

Disember setiap tahun

(b)

setiap pejabat cawangan lima ratus dalam bulan

Disember setiap tahun

(c)

setiap kelompok pejabat

(sehingga dua puluh setiap kelompok)

ejen perniagaan perkhidmatan wangnya lima ratus setiap kelompok dalam bulan

Disember setiap tahun 4.

Lesen tahunan bagi —

(a)

kelompok pertama pejabat

(sehingga dua puluh setiap kelompok); dan lima ratus setiap kelompok dalam bulan

Disember setiap tahun

P.U. (A) 70 8

(b)

setiap kelompok tambahan pejabat

(sehingga dua puluh setiap kelompok), seseorang pemegang lesen yang telah diluluskan oleh

Bank di bawah subseksyen 19(1)

Akta untuk menjalankan aktiviti perniagaan perkhidmatan wang sebagai sampingan kepada perniagaan utamanya.

lima ratus setiap kelompok dalam bulan

Disember setiap tahun

Fi tahunan di bawah butir 3 dan 4 perenggan 1 kena dibayar pada tarikh bayaran selepas tamat dua belas bulan pertama lesen itu dikeluarkan.

Dibuat 3 Februari 2012

[BNM.JUN. 1110/65/01; PN(PU2)701]

TAN SRI DATO’ SRI DR. ZETI AKHTAR AZIZ

Gabenor

Diluluskan 20 Februari 2012

[BNM.JUN. 1110/65/01; PN(PU2)701]

DATO’ SRI MOHD NAJIB BIN TUN ABDUL RAZAK

Menteri Kewangan

P.U. (A) 70 9

MONEY SERVICES BUSINESS ACT 2011

MONEY SERVICES BUSINESS (LICENSING) REGULATIONS 2012

IN exercise of the powers conferred by subsection 78(1), subsection 4(3), paragraph 5(1)(b), subsections 7(3) and 8(1) and paragraph 9(1)(b) of the Money Services

Business Act 2011 [Act 731], the Bank, with the approval of the Minister, makes the following regulations:

Citation and commencement 1.

(1)

These regulations may be cited as the Money Services Business

(Licensing) Regulations 2012.

(2)

These Regulations are deemed to have come into operation on 1 December 2011.

Classes of licence 2.

The classes and descriptions of licence in respect of money services business are set out in the First Schedule.

Submission of information for application of licence 3.

An applicant in applying for a licence under subsection 5(1) of the Act shall submit to the Bank the following information:

(a)

particulars of the shareholders of the applicant—

(i)

if the shareholder of the applicant is a company, the name, address and contact details of its shareholders, the amount and percentage of shares held in the applicant; or

(ii)

if the shareholder of the applicant is other than a company, the name, address and details on how to contact that person, the amount and percentage of shares held in the applicant;

P.U. (A) 70 10

(b)

names, address and details on how to contact the directors and senior management of the applicant, their roles and responsibilities in the proposed money services business;

(c)

the proposed corporate structure of the applicant, its relationship with any related company and holding company within the group, the names of such companies, percentage of shareholding and a brief description of the activities of each of those companies;

(d)

the proposed business plan of the money services business—

(i)

feasibility analysis covering its business model, potential customer base, distribution channels and projected growth prospect for the next three years;

(ii)

income and cash flow projection for the next three years;

and

(iii)

the sources of the applicant’s funds to fulfill the minimum capital fund and to fund the operations of its money services business;

(e)

the proposed governance arrangements, internal controls, and risk management framework to manage the operations of the proposed money services business to ensure—

(i)

proper conduct of money services business and integrity of its operations;

(ii)

compliance with the requirements of this Act and its regulations, guidelines, circulars, standards or notices;

(iii)

address the likelihood of mismanagement and fraud; and

P.U. (A) 70 11

(iv)

adequate customer protection; and

(f)

the proposed internal control mechanisms and compliance programs to comply with the requirements of the Anti-Money

Laundering and Anti-Terrorism Financing Act 2001 [Act 613] and its guidelines relating to—

(i)

the proposed line of authority and responsibilities of the board of directors and its management in implementing anti-money laundering and counter financing of terrorism measures; and

(ii)

the proposed anti-money laundering and counter financing of terrorism compliance program relating to the proposed policies and procedures for customer acceptance, customer due-diligence, ongoing monitoring, record keeping, reporting of suspicious transactions and combating the financing of terrorism.

Period of licence 4.

A licence shall be in force for a period of three years unless a shorter period is otherwise specified by the Bank in the licence.

Fees 5.

A licensee shall pay to the Bank the fees as set out in the Second Schedule.

Application for renewal of licence 6.

A licensee in applying for a renewal of a licence shall submit to the Bank the following information:

(a)

the latest audited annual accounts or in the absence of such accounts, the management accounts;

P.U. (A) 70 12

(b)

a sound business plan and cash flow projection for the next three financial years; and

(c)

a declaration by its board of directors that the licensee has complied with all the requirements of this Act and the Anti-Money

Laundering and

Anti-Terrorism

Financing

Act 2001, the regulations, guidelines, circulars, standards and notices issued under both Acts and has not been involved in or facilitated any illegal activity.

P.U. (A) 70 13

FIRST SCHEDULE

[Regulation 2]

CLASSES AND DESCRIPTIONS OF LICENCES

Class

Description

Licence to carry on money-changing business and remittance business only

Licence to carry on remittance business only

Licence to carry on money-changing business only

Licence to carry on wholesale currency business only

P.U. (A) 70 14

SECOND SCHEDULE

[Regulation 5]

FEES

The fees are as follows:

Item

Description

Fee (Ringgit)

Payment date 1.

Grant of a licence five hundred upon approval 2.

Opening or relocating a branch five hundred per application upon submission of an application 3.

Annual fee for—

(a)

the principal place of business five hundred in the month of

December of each year

(b)

each branch office five hundred in the month of

December of each year

(c)

every batch of offices (up to twenty per batch) of its money services business agents five hundred per batch in the month of

December of each year 4.

Annual fee for—

(a)

the first batch of offices

(up to twenty per batch);

and five hundred per batch in the month of

December of each year

(b)

every additional batch of offices (up to twenty per batch), five hundred per batch in the month of

December of each year of a licensee who has been approved by the Bank under subsection 19(1) of the Act to carry on money services business activity as ancillary to its main business

P.U. (A) 70 15

The annual fees under items 3 and 4 of paragraph 1 are payable on the payment date after the completion of the first twelve months of the issuance of the licence.

Made 3 February 2012

[BNM.JUN.1110/65/01; PN(PU2)701]

TAN SRI DATO’ SRI DR. ZETI AKHTAR AZIZ

Governor

Approved 20 February 2012

[BNM.JUN.1110/65/01; PN(PU2)701]

DATO’ SRI MOHD NAJIB BIN TUN ABDUL RAZAK

Minister of Finance

Common questions

What is PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PELESENAN) 2012?: PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PELESENAN) 2012 is Malaysia P.U. (A), cited as P.U. (A) 70 2012, currently marked in force and first recorded in 2012.
Is PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PELESENAN) 2012 still in force?: Yes — PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PELESENAN) 2012 is currently in force.
When did PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PELESENAN) 2012 take effect?: PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PELESENAN) 2012 was first recorded in 2012.
How many sections does PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PELESENAN) 2012 have?: PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PELESENAN) 2012 contains 6 sections.
Where can I read the official version of PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PELESENAN) 2012?: The official text of PERATURAN-PERATURAN PERNIAGAAN PERKHIDMATAN WANG (PELESENAN) 2012 is published at lom.agc.gov.my.