{"id":1220,"date":"2018-01-26T13:05:58","date_gmt":"2018-01-26T12:05:58","guid":{"rendered":"http:\/\/haavind.local\/en\/2018\/01\/26\/crowdfunding-p2p-lending-norway\/"},"modified":"2022-07-21T12:51:26","modified_gmt":"2022-07-21T12:51:26","slug":"crowdfunding-p2p-lending-norway","status":"publish","type":"post","link":"https:\/\/haavind.stage01.dekodes.no\/en\/crowdfunding-p2p-lending-norway\/","title":{"rendered":"Crowdfunding &#8211; P2P lending in Norway"},"content":{"rendered":"\t<div class=\"template-post alignwide wp-block-dekode-hero\">\n\t\t<div class=\"hero__inner\">\n\t\t\t<div class=\"hero__inner_blocks\">\n\t\t\t\t<h1 class=\"wp-block-post-title\">Crowdfunding &#8211; P2P lending in Norway<\/h1>\n\n<p>P2P lending may require that the platform operating the lending have a license or be registered, depending on the involvement of the platform.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div><\/div>\n\t\t\t\t\t<div class=\"post-meta\">\n\t\t\t\t\t\t<span class=\"info-small\">26 January, 2018 \u00b7 2 min. reading time<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\n\n<p>P2P lending may require that the platform operating the lending have a license or be registered, depending on the involvement of the platform.<\/p>\n\n\n<p>If lenders and borrowers are matched through the platform, the platform must be registered as a credit broker with Finanstilsynet, as the Norwegian financial regulator. The role of credit broker must be strictly adhered to in order for the platform not to be regarded as providing payment services. Payment services requires license from Finanstilsynet or a similar license passported from an EEA-country, and full AML\/KYC routines.<\/p>\n\n\n\n<p>If the platform hold funds on behalf of lenders, this is regarded as deposits and requires a banking license from Finanstilsynet or a similar license passported from an EEA-country.<\/p>\n\n\n\n<p>If a lender is frequently active as lender, the lending may constitute license-requiring financing for such lender as bank or financial company (i.e. financial institution) from Finanstilsynet or a similar license passported from an EEA-country.<\/p>\n\n\n\n<p>Assistance in settlement (drawdown or repayment) whereby funds go through the platform over a client (banking) account of the platform, constitutes payment services and is thus a license-requiring activity.<\/p>\n\n\n\n<p>If you or your client are considering operating a crowdfunding platform in Norway, there are ways of setting up the operation and avoid license requirements.&nbsp;Please take contact with Peter Brechan for further details.<\/p>\n\n\t<div \n\t\tclass=\"template-post alignwide wp-block-haavind-block-contact-people\" id=\"contact\"\t\t>\n\t\t<h2 class=\"post-featured-title\">Contact us<\/h2>\n\t\t<div class=\"block-contact-people-list\">\n\t\t\t<div class=\"t2-featured-content-layout alignwide wp-block-t2-featured-content-layout\"><\/div>\t\t<\/div>\n\t\t\t<\/div>\n\t","protected":false},"excerpt":{"rendered":"<p>P2P lending may require that the platform operating the lending have a license or be registered, depending on the involvement of the platform.<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"sector":[5],"speciality":[14],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v24.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Crowdfunding - P2P lending in Norway - Haavind EN<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/haavind.stage01.dekodes.no\/en\/crowdfunding-p2p-lending-norway\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Crowdfunding - P2P lending in Norway\" \/>\n<meta property=\"og:description\" content=\"P2P lending may require that the platform operating the lending have a license or be registered, depending on the involvement of the platform.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/haavind.stage01.dekodes.no\/en\/crowdfunding-p2p-lending-norway\/\" \/>\n<meta property=\"og:site_name\" content=\"Haavind EN\" \/>\n<meta property=\"article:published_time\" content=\"2018-01-26T12:05:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-21T12:51:26+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/haavind.stage01.dekodes.no\/en\/crowdfunding-p2p-lending-norway\/\",\"url\":\"https:\/\/haavind.stage01.dekodes.no\/en\/crowdfunding-p2p-lending-norway\/\",\"name\":\"Crowdfunding - P2P lending in Norway - Haavind EN\",\"isPartOf\":{\"@id\":\"https:\/\/haavind.stage01.dekodes.no\/en\/#website\"},\"datePublished\":\"2018-01-26T12:05:58+00:00\",\"dateModified\":\"2022-07-21T12:51:26+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/haavind.stage01.dekodes.no\/en\/crowdfunding-p2p-lending-norway\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/haavind.stage01.dekodes.no\/en\/crowdfunding-p2p-lending-norway\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/haavind.stage01.dekodes.no\/en\/crowdfunding-p2p-lending-norway\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Banking and finance\",\"item\":\"https:\/\/haavind.stage01.dekodes.no\/en\/kompetanse\/fagomrade\/banking-and-finance\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Crowdfunding &#8211; P2P lending in Norway\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/haavind.stage01.dekodes.no\/en\/#website\",\"url\":\"https:\/\/haavind.stage01.dekodes.no\/en\/\",\"name\":\"Haavind EN\",\"description\":\"-\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/haavind.stage01.dekodes.no\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Crowdfunding - P2P lending in Norway - Haavind EN","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/haavind.stage01.dekodes.no\/en\/crowdfunding-p2p-lending-norway\/","og_locale":"en_US","og_type":"article","og_title":"Crowdfunding - P2P lending in Norway","og_description":"P2P lending may require that the platform operating the lending have a license or be registered, depending on the involvement of the platform.","og_url":"https:\/\/haavind.stage01.dekodes.no\/en\/crowdfunding-p2p-lending-norway\/","og_site_name":"Haavind EN","article_published_time":"2018-01-26T12:05:58+00:00","article_modified_time":"2022-07-21T12:51:26+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/haavind.stage01.dekodes.no\/en\/crowdfunding-p2p-lending-norway\/","url":"https:\/\/haavind.stage01.dekodes.no\/en\/crowdfunding-p2p-lending-norway\/","name":"Crowdfunding - P2P lending in Norway - Haavind EN","isPartOf":{"@id":"https:\/\/haavind.stage01.dekodes.no\/en\/#website"},"datePublished":"2018-01-26T12:05:58+00:00","dateModified":"2022-07-21T12:51:26+00:00","author":{"@id":""},"breadcrumb":{"@id":"https:\/\/haavind.stage01.dekodes.no\/en\/crowdfunding-p2p-lending-norway\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/haavind.stage01.dekodes.no\/en\/crowdfunding-p2p-lending-norway\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/haavind.stage01.dekodes.no\/en\/crowdfunding-p2p-lending-norway\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Banking and finance","item":"https:\/\/haavind.stage01.dekodes.no\/en\/kompetanse\/fagomrade\/banking-and-finance\/"},{"@type":"ListItem","position":2,"name":"Crowdfunding &#8211; P2P lending in Norway"}]},{"@type":"WebSite","@id":"https:\/\/haavind.stage01.dekodes.no\/en\/#website","url":"https:\/\/haavind.stage01.dekodes.no\/en\/","name":"Haavind EN","description":"-","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/haavind.stage01.dekodes.no\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/haavind.stage01.dekodes.no\/en\/wp-json\/wp\/v2\/posts\/1220"}],"collection":[{"href":"https:\/\/haavind.stage01.dekodes.no\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haavind.stage01.dekodes.no\/en\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/haavind.stage01.dekodes.no\/en\/wp-json\/wp\/v2\/comments?post=1220"}],"version-history":[{"count":1,"href":"https:\/\/haavind.stage01.dekodes.no\/en\/wp-json\/wp\/v2\/posts\/1220\/revisions"}],"predecessor-version":[{"id":3773,"href":"https:\/\/haavind.stage01.dekodes.no\/en\/wp-json\/wp\/v2\/posts\/1220\/revisions\/3773"}],"wp:attachment":[{"href":"https:\/\/haavind.stage01.dekodes.no\/en\/wp-json\/wp\/v2\/media?parent=1220"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haavind.stage01.dekodes.no\/en\/wp-json\/wp\/v2\/categories?post=1220"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haavind.stage01.dekodes.no\/en\/wp-json\/wp\/v2\/tags?post=1220"},{"taxonomy":"sector","embeddable":true,"href":"https:\/\/haavind.stage01.dekodes.no\/en\/wp-json\/wp\/v2\/sector?post=1220"},{"taxonomy":"speciality","embeddable":true,"href":"https:\/\/haavind.stage01.dekodes.no\/en\/wp-json\/wp\/v2\/speciality?post=1220"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}