Guidelines (Current)

Archive

Guidelines that are currently in effect can be found on this webpage. Guidelines that are outdated or superseded by subsequent documents are housed under Archive section.

Authorization

Guideline No.	Document	Issue Date
1.1	The three-tier system	08 Mar 1989
1.2	Restricted licence banks	22 Jan 1990
1.3	Mergers, takeovers or restructurings of authorized institutions	17 Jan 1992
1.4	General Consent granted by the Monetary Authority under Section 97(1) of the Banking Ordinance (PDF File, 44.3 KB)	24 Dec 2015
1.4.1	Guideline on specific consent to use banking names and descriptions (PDF File, 49.8 KB)	Nov 2000
1.5	Guideline on Minimum Criteria for Authorization (PDF File, 379.4 KB)	22 Jul 2022
1.7	Guideline on approval and revocation of approval of money brokers (PDF File, 59.6 KB)	18 Nov 2016

Supervisory Approach

Guideline No.	Document	Issue Date
2.2	The Supervision of Cross-border Banking	18 Oct 1996
	Annex (PDF File, 4.4 MB)

Self-regulation and Ethics

Guideline No.	Document	Issue Date
3.5	Custody by authorized institutions of customers' passports	29 Jun 1995

Credit Exposures

Guideline No.	Document	Issue Date
5.1.1	Motor vehicle financing	03 Aug 1992
5.4	Lending to stockbrokers	12 Apr 1991
5.7	Loan classification system	02 Sep 1994
5.7.1	Loan classification system (loans to be reported as "Special Mention")	07 Nov 1994
5.8	The provision of mortgage finance to end users in conjunction with property developers	03 Mar 1995
5.8.1	Co-financing schemes in relation to residential mortgage lending	30 Oct 1995
5.9	Property lending	18 Feb 1994
5.9.1	Property lending	13 Sep 1995
5.9.2	The use of personal loans to compete for residential mortgage business	12 Sep 1996
5.9.3	Criteria for property lending	28 Jan 1997
5.9.4	Property Lending	28 Jul 1997
5.9.5	Withdrawal of the HKMA's 40% Guideline	28 Jul 1998

Derivatives

Guideline No.	Document	Issue Date
12.1	Risk management guidelines for derivatives	19 Dec 1994
12.2	Guideline on Risk Management of Derivatives and Other Traded Instruments	27 Mar 1996
12.2.1	Guideline on Risk Management of Derivatives and Other Traded Instruments -- Chinese version (PDF File, 3.2 MB)	23 Oct 1996

Enforcement

Guideline No.	Document	Issue Date
17.1	Guideline on Exercising Power to Impose Pecuniary Penalty under Section 23(1) of the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Revised April 2018) (PDF File, 150.7 KB)	27 Apr 2018
17.2	Guideline on Exercising Disciplinary Power to Order a Pecuniary Penalty under Section 203C(1) of the Securities and Futures Ordinance in respect of the OTC Derivatives Regime (PDF File, 129.0 KB)	30 Sep 2016
17.3	Guidance Note on Cooperation with the HKMA in Investigations and Enforcement Proceedings (PDF File, 318.8 KB)	22 Aug 2018
17.4	Guideline on Exercising Power to Order a Pecuniary Penalty under Section 54(1E) of the Payment Systems and Stored Value Facilities Ordinance (PDF File, 131.5 KB)	27 Apr 2018

Electronic Banking

Guideline No.	Document	Issue Date
	Guideline on Authorization of Virtual Banks (PDF File, 242.8 KB)	08 Jun 2018

Anti-Money Laundering & Counter-Financing of Terrorism

Guideline No.	Document	Issue Date
	Guideline on Anti-Money Laundering and Counter-Financing of Terrorism (For Stored Value Facility Licensees) (Revised May 2023) (Effective on 1 June 2023) (PDF File, 755.0 KB)	25 May 2023
	Guideline on Anti-Money Laundering and Counter-Financing of Terrorism (For Authorized Institutions) (Revised May 2023)(same as SPM module AML-2) (PDF File, 929.3 KB)	25 May 2023
	Frequently Asked Questions in relation to Anti-Money Laundering and Counter-Financing of Terrorism (Developed by the Hong Kong Association of Banks) (PDF File, 338.1 KB)	05 Oct 2022

Stored Value Facilities and Retail Payment Systems

Guideline No.	Document	Issue Date
	Guideline on Supervision of Stored Value Facility Licensees (PDF File, 233.7 KB)	Sep 2016
	Guideline on Oversight of Designated Retail Payment Systems (PDF File, 238.7 KB)	Sep 2020

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