공포번호 19532
공포일 2023-07-11
금융위원회
Financial Services Commission
전체선택
제1장 총칙
CHAPTER I GENERAL PROVISIONS
제1조(목적)
Article 1 (Purpose)
제2조(정의)
Article 2 (Definitions)
제3조(금융상품의 유형)
Article 3 (Types of Financial Products)
제4조(금융회사등의 업종구분)
Article 4 (Classification of Financial Companies and Other Relevant Persons by Type of Business)
제5조(적용범위)
Article 5 (Scope of Application)
제6조(다른 법률과의 관계)
Article 6 (Relationship to Other Statutes)
제2장 금융소비자의 권리와 책무 및 국가와 금융상품판매업자등의 책무
CHAPTER II RIGHTS AND RESPONSIBILITIES OF FINANCIAL CONSUMERS AND RESPONSIBILITIES OF STATE AND FINANCIAL PRODUCT DISTRIBUTORS AND ADVISORS
제7조(금융소비자의 기본적 권리)
Article 7 (Fundamental Rights of Financial Consumers)
제8조(금융소비자의 책무)
Article 8 (Responsibilities of Financial Consumers)
제9조(국가의 책무)
Article 9 (Responsibilities of the State)
제10조(금융상품판매업자등의 책무)
Article 10 (Responsibilities of Financial Product Distributors and Advisors)
제3장 금융상품판매업자등의 등록 등
CHAPTER III REGISTRATION OF FINANCIAL PRODUCT DISTRIBUTORS AND ADVISORS
제11조(금융상품판매업자등을 제외한 영업행위 금지)
Article 11 (Prohibition of Business Activities of Persons Other than Financial Product Distributors and Advisors)
제12조(금융상품판매업자등의 등록)
Article 12 (Registration of Financial Product Distributors and Advisors)
제4장 금융상품판매업자등의 영업행위 준수사항
CHAPTER IV OBLIGATIONS OF FINANCIAL PRODUCT DISTRIBUTORS AND ADVISORS IN BUSINESS ACTIVITIES
제1절 영업행위 일반원칙
Section 1 General Principles of Business Activities
제13조(영업행위 준수사항 해석의 기준)
Article 13 (Guidelines for Interpretation of Obligations in Business Activities)
제14조(신의성실의무 등)
Article 14 (Duty of Good Faith)
제15조(차별금지)
Article 15 (Non-Discrimination)
제16조(금융상품판매업자등의 관리책임)
Article 16 (Responsibility of Financial Product Distributors and Advisors for Management)
제16조의2(방문판매 및 전화권유판매 임직원의 명부 작성 등)
Article 16-2 (Preparation of List of Executive Officers and Employees Engaging in Door-to-Door Sales or Telemarketing)
제2절 금융상품 유형별 영업행위 준수사항
Section 2 Obligations in Business Activities by Types of Financial Products
제17조(적합성원칙)
Article 17 (Principle of Suitability)
제18조(적정성원칙)
Article 18 (Principle of Appropriateness)
제19조(설명의무)
Article 19 (Obligation to Explain)
제20조(불공정영업행위의 금지)
Article 20 (Prohibition of Unfair Business Activities)
제21조(부당권유행위 금지)
Article 21 (Prohibition of Unfair Solicitation)
제21조의2(방문판매 및 전화권유판매 관련 준수사항)
Article 21-2 (Matters to Be Observed in Relation to Door-to-Door Sales and Telemarketing)
제22조(금융상품등에 관한 광고 관련 준수사항)
Article 22 (Obligations Relating to Advertisements of Financial Products)
제23조(계약서류의 제공의무)
Article 23 (Obligation to Provide Contract Documents)
제3절 금융상품판매업자등의 업종별 영업행위 준수사항
Section 3 Obligations in Business Activities by Types of Business of Financial Product Distributors and Advisors
제24조(미등록자를 통한 금융상품판매 대리ㆍ중개 금지)
Article 24 (Prohibition of Agency or Brokerage for Distribution of Financial Products through Unregistered Persons)
제25조(금융상품판매대리ㆍ중개업자의 금지행위)
Article 25 (Prohibited Acts of Financial Product Agents and Brokers)
제26조(금융상품판매대리ㆍ중개업자의 고지의무 등)
Article 26 (Obligation of Financial Product Distribution Agents and Brokers to Notify)
제27조(금융상품자문업자의 영업행위준칙 등)
Article 27 (Rules on Business Activities of Financial Product Advisors)
제28조(자료의 기록 및 유지ㆍ관리 등)
Article 28 (Keeping, Maintenance, and Management of Records)
제5장 금융소비자 보호
CHAPTER V PROTECTION OF FINANCIAL CONSUMERS
제1절 금융소비자정책 수립 및 금융교육 등
Section 1 Establishment of Policies for Financial Consumers and Financial Education
제29조(금융소비자 보호)
Article 29 (Protection of Financial Consumers)
제30조(금융교육)
Article 30 (Financial Education)
제31조(금융교육협의회)
Article 31 (Financial Education Council)
제32조(금융상품 비교공시 등)
Article 32 (Pubic Disclosure of Comparison of Financial Products)
제2절 금융분쟁의 조정
Section 2 Mediation of Financial Disputes
제33조(분쟁조정기구)
Article 33 (Organization for Mediation of Financial Disputes)
제34조(조정위원회의 구성)
Article 34 (Composition of Mediation Committee)
제35조(조정위원회 위원의 지명철회ㆍ위촉해제)
Article 35 (Withdrawal of Appointment, and Cancellation of Commissioning, of Members of Mediation Committee)
제36조(분쟁의 조정)
Article 36 (Mediation of Disputes)
제37조(조정위원회의 회의)
Article 37 (Meetings of Mediation Committee)
제38조(위원의 제척ㆍ기피 및 회피)
Article 38 (Disqualification of, Challenge to, and Refrainment by, Members)
제39조(조정의 효력)
Article 39 (Effect of Mediation)
제40조(시효의 중단)
Article 40 (Interruption of Prescription)
제41조(소송과의 관계)
Article 41 (Relationship to Litigation)
제42조(소액분쟁사건에 관한 특례)
Article 42 (Special Case concerning Small-Amount Dispute Cases)
제43조(조정위원회의 운영 등)
Article 43 (Operation of Mediation Committee)
제3절 손해배상책임 등
Section 3 Liability for Damages
제44조(금융상품판매업자등의 손해배상책임)
Article 44 (Liability of Financial Product Distributors and Advisors for Damages)
제45조(금융상품직접판매업자의 손해배상책임)
Article 45 (Liability of Financial Product Direct Sellers for Damages)
제46조(청약의 철회)
Article 46 (Withdrawal of Offer)
제47조(위법계약의 해지)
Article 47 (Termination of Illegal Contract)
제6장 감독 및 처분
CHAPTER VI SUPERVISION AND DISPOSITIONS
제48조(금융상품판매업자등에 대한 감독)
Article 48 (Supervision over Financial Product Distributors and Advisors)
제49조(금융위원회의 명령권)
Article 49 (Financial Services Commission’s Power to Issue Orders)
제50조(금융상품판매업자등에 대한 검사)
Article 50 (Inspections of Financial Product Distributors and Advisors)
제51조(금융상품판매업자등에 대한 처분 등)
Article 51 (Dispositions against Financial Product Distributors and Advisors)
제52조(금융상품판매업자등의 임직원에 대한 조치)
Article 52 (Measures against Executive Officers and Employees of Financial Product Distributors and Advisors)
제53조(퇴임한 임원 등에 대한 조치내용 통보)
Article 53 (Notification of Measures against Retired Executive Officers and Others)
제54조(청문)
Article 54 (Hearings)
제55조(이의신청)
Article 55 (Petition for Objection)
제56조(처분 등의 기록 등)
Article 56 (Recording of Dispositions and Measures)
제57조(과징금)
Article 57 (Penalty Surcharges)
제58조(과징금의 부과)
Article 58 (Imposition of Penalty Surcharges)
제59조(이의신청)
Article 59 (Petition for Objection)
제60조(과징금 납부기간의 연장 및 분할납부)
Article 60 (Extension of Period for Payment of Penalty Surcharges and Payment in Installments)
제61조(과징금의 징수 및 체납처분)
Article 61 (Collection of Penalty Surcharges and Disposition on Delinquency)
제62조(과오납금의 환급)
Article 62 (Refund of Overpayment or Erroneous Payment)
제63조(환급가산금)
Article 63 (Additional Payment on Refund)
제64조(결손처분)
Article 64 (Disposal of Deficiency)
제7장 보칙
CHAPTER VII SUPPLEMENTARY PROVISIONS
제65조(업무의 위탁)
Article 65 (Entrustment of Business Affairs)
제66조(금융감독원장에 대한 지도ㆍ감독 등)
Article 66 (Guidance for and Supervision over Governor of Financial Supervisory Service)
제66조의2(전속관할)
Article 66-2 (Exclusive Jurisdiction)
제8장 벌칙
CHAPTER VIII PENALTY PROVISIONS
제67조(벌칙)
Article 67 (Penalty Provisions)
제67조의2(벌칙)
Article 67-2 (Penalty Provisions)
제68조(양벌규정)
Article 68 (Joint Penalty Provisions)
제69조(과태료)
Article 69 (Administrative Fines)
부칙 <제17112호, 2020. 3. 24.>
ADDENDA <Act No. 17112, Mar. 24, 2020>
부칙 <제17292호, 2020. 5. 19.>
ADDENDA <Act No. 17292, May 19, 2020>
부칙 <제17799호, 2020. 12. 29.>
ADDENDA <Act No. 17799, Dec. 29, 2020>
부칙 <제19532호, 2023. 7. 11.>
ADDENDUM <Act No. 19532, Jul. 11, 2023>