• The charter was approved by the decision of the constituent assembly of Norman Credit CJSC UCO on August 03, 2021

•   The charter was approved by the decision of the constituent assembly of Norman Credit CJSC UCO on December 15, 2017
•   The charter was approved by the decision of the constituent assembly of Norman Credit CJSC UCO on October 05, 2018
•   The charter was approved by the decision of the constituent assembly of Norman Credit CJSC UCO on December 06, 2018
•   The charter was approved by the decision of the constituent assembly of Norman Credit CJSC UCO on June 14, 2019
•   The charter was approved by the decision of the constituent assembly of Norman Credit CJSC UCO on September 26, 2019
•   The charter was approved by the decision of the constituent assembly of Norman Credit CJSC UCO on November 21, 2019
•   The charter was approved by the decision of the constituent assembly of Norman Credit CJSC UCO on January 10, 2020

LAWS

• Civil Code of the Republic of Armenia /adopted on May 5, 1998/
• RA Law “On Credit Organizations” /adopted on May 29, 2002, AL-359-N/
• RA Law “On Consumer Lending” /adopted on June 17, 2008, AL-122-N/
• RA Law “On Housing Mortgage Lending” /adopted on October 25, 2017, AL-182-N/
• RA Law “On Currency Regulation and Currency Control” /adopted on November 24, 2004, AL-135-N/
• RA Law “On Combating Money Laundering and Financing of Terrorism” /adopted on May 26, 2008, AL-80-N/
• RA Law “On the Financial System Mediator” /adopted on June 17, 2008, AL-123/

REGULATIONS

• Resolution of the Board of the Central Bank of the Republic of Armenia “On approval of the procedure for licensing, registration, approval, issuance of permits, verification of professional compliance and qualifications in the field of activity of a credit institution” /adopted on July 1, 2008, 194-N/
• Regulation of activities of credit institutions, Resolution of the Board of the Central Bank of the Republic of Armenia on the approval of economic standards for the activities of credit institutions /adopted on November 5, 2002, 347-N/
• Decision of the Board of the Central Bank of the Republic of Armenia on the approval of Regulation 8/01 “Explanations and examples of the calculation of the actual annual interest rate” / adopted on December 16, 2008, 363-N/
• Decision of the Board of the Central Bank of the Republic of Armenia on approval under Regulation 8/03 on the publication of information by financial organizations and financial groups /adopted on June 2, 2009, 166-N/
• Resolution of the Board of the Central Bank of the Republic of Armenia on the approval of the minimum conditions and principles governing the procedure for considering client complaints, regulating internal legal acts /adopted on July 28, 2009, 225-N/
• Resolution of the Board of the Central Bank of the Republic of Armenia on approval of Regulation 8/05 “On approval of the rules for conducting business of financial organizations” /adopted on July 28, 2009, 229-N/
• Regulation on the minimum requirements for financial institutions in the field of combating money laundering and terrorism financing and the decision of the Board of the Central Bank of the Republic of Armenia on approval of the form of a certificate on the presence (absence) of a real beneficiary in the transaction /adopted on September 9, 2008, 269-N/
• Resolution of the Board of the Central Bank of the Republic of Armenia on approval of the decision-making procedure “On the suspension of a suspicious transaction or business relationship or on the freezing of financial assets related to terrorism” /adopted on November 4, 2008, 302-N/

You can find the mentioned laws and regulations on the following website: www.arlis.am