{"id":5831,"date":"2019-03-13T15:02:06","date_gmt":"2019-03-13T15:02:06","guid":{"rendered":"https:\/\/assalweb.org\/mmou\/"},"modified":"2025-11-07T21:25:03","modified_gmt":"2025-11-07T21:25:03","slug":"mmou-assal","status":"publish","type":"page","link":"https:\/\/assalweb.org\/en\/mmou-assal\/","title":{"rendered":"MMoU ASSAL"},"content":{"rendered":"[vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; bg_image=&#8221;785&#8243; bg_position=&#8221;left top&#8221; bg_repeat=&#8221;no-repeat&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;light&#8221; text_align=&#8221;left&#8221; top_padding=&#8221;6%&#8221; bottom_padding=&#8221;3%&#8221; enable_gradient=&#8221;true&#8221; color_overlay=&#8221;#000423&#8243; color_overlay_2=&#8221;rgba(0,94,196,0.27)&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.95&#8243; shape_divider_position=&#8221;bottom&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;all&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_link_target=&#8221;_self&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; column_margin=&#8221;default&#8221; bottom_padding=&#8221;6%&#8221; text_align=&#8221;left&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;all&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; width=&#8221;7\/12&#8243; tablet_width_inherit=&#8221;default&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][nectar_highlighted_text style=&#8221;half_text&#8221;]\n<h2>ASSAL\u2019s Multilateral Memorandum of Understanding on Cooperation and Information Exchange (MMoU)<\/h2>\n[\/nectar_highlighted_text][vc_custom_heading text=&#8221;The MMoU establishes an international benchmark for cross-border cooperation. This document was developed in 2011 for insurance industry supervisors who are members of ASSAL.&#8221; font_container=&#8221;tag:h6|font_size:14|text_align:justify|color:rgba(255%2C255%2C255%2C0.78)|line_height:1.4&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1762531020831{margin-right: 4% !important;margin-bottom: 10px !important;}&#8221;][\/vc_column_inner][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;all&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; width=&#8221;5\/12&#8243; tablet_width_inherit=&#8221;default&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; top_padding=&#8221;4%&#8221; bottom_padding=&#8221;3%&#8221; id=&#8221;mmou&#8221; row_name=&#8221;Sign Up Steps&#8221; overlay_strength=&#8221;0.3&#8243; shape_divider_position=&#8221;bottom&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;top-bottom&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_link_target=&#8221;_self&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; offset=&#8221;vc_col-xs-12&#8243;][nectar_icon_list animate=&#8221;true&#8221; color=&#8221;Accent-Color&#8221; direction=&#8221;vertical&#8221; icon_size=&#8221;small&#8221; icon_style=&#8221;no-border&#8221;][nectar_icon_list_item icon_type=&#8221;icon&#8221; icon_family=&#8221;iconsmind&#8221; title=&#8221;List Item&#8221; id=&#8221;1552492473148-0-3&#8243; header=&#8221; What is it?&#8221; tab_id=&#8221;1552490566901-1&#8243; icon_iconsmind=&#8221;iconsmind-Information&#8221;] [\/nectar_icon_list_item][\/nectar_icon_list]<div class=\"divider-wrap\" data-alignment=\"default\"><div style=\"height: 10px;\" class=\"divider\"><\/div><\/div>[vc_row_inner column_margin=&#8221;default&#8221; text_align=&#8221;left&#8221; css=&#8221;.vc_custom_1553007413048{margin-right: 4% !important;margin-left: 3% !important;border-left-width: 1px !important;padding-left: 2.5% !important;border-left-color: #f2f2f2 !important;border-left-style: solid !important;}&#8221;][vc_column_inner enable_animation=&#8221;true&#8221; animation=&#8221;fade-in-from-bottom&#8221; column_padding=&#8221;padding-6-percent&#8221; column_padding_position=&#8221;left&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; el_class=&#8221;parrafo-1&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; delay=&#8221;200&#8243;][vc_column_text]The Multilateral Memorandum of Understanding on Cooperation and Exchange of Information of the Association of Insurance Supervisors of Latin America (ASSAL MMoU) constitutes a formal framework for cooperation and exchange of information among ASSAL\u2019s signatory members on insurance company supervisory issues in matters that transcend their own borders.<\/p>\n<p>All applicants to the ASSAL MMoU are subject to the rigorous procedure of evaluation of their professional secrecy and confidentiality regimes. As such, MMoU signatories no longer need to independently verify whether each counterparty has adequate provisions and procedures in place to protect the confidentiality of information, thus removing barriers to effective information sharing between supervisors.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;all&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_link_target=&#8221;_self&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][nectar_icon_list animate=&#8221;true&#8221; color=&#8221;Accent-Color&#8221; direction=&#8221;vertical&#8221; icon_size=&#8221;small&#8221; icon_style=&#8221;no-border&#8221;][nectar_icon_list_item icon_type=&#8221;icon&#8221; icon_family=&#8221;iconsmind&#8221; title=&#8221;List Item&#8221; id=&#8221;1532458311229-4d719-5862&#8243; header=&#8221;When was it established?&#8221; tab_id=&#8221;1552490566901-1&#8243; icon_iconsmind=&#8221;iconsmind-Affiliate&#8221;] [\/nectar_icon_list_item][\/nectar_icon_list]<div class=\"divider-wrap\" data-alignment=\"default\"><div style=\"height: 10px;\" class=\"divider\"><\/div><\/div>[vc_row_inner column_margin=&#8221;default&#8221; text_align=&#8221;left&#8221; css=&#8221;.vc_custom_1553007421960{margin-right: 4% !important;margin-left: 3% !important;border-left-width: 1px !important;padding-left: 2.5% !important;border-left-color: #f2f2f2 !important;border-left-style: solid !important;}&#8221;][vc_column_inner enable_animation=&#8221;true&#8221; animation=&#8221;fade-in-from-bottom&#8221; column_padding=&#8221;padding-6-percent&#8221; column_padding_position=&#8221;left&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; el_class=&#8221;parrafo-1&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; delay=&#8221;200&#8243;][vc_column_text]The ASSAL MMoU was implemented in September 2011, with the objective of promoting close cooperation and information exchange among insurance supervisors, due to the growing integration of financial markets and the increase in the number of internationally active insurance companies.<\/p>\n<p>Likewise, the new version of ASSAL\u2019s MMoU, revised as of March 2019, became effective in May 2021. This version, among other changes, includes a fast track validation for those applicants to the ASSAL MMoU who are already subscribers to the IAIS MMoU. In addition, the procedure in case of legal succession and transfer of membership is expressly established.[\/vc_column_text]<div class=\"divider-wrap\" data-alignment=\"default\"><div style=\"height: 10px;\" class=\"divider\"><\/div><\/div>[vc_column_text]<strong>Who has signed?<\/strong><\/p>\n<p><a href=\"https:\/\/assalweb.org\/wp-content\/uploads\/2025\/10\/Lista-autoridades-signatarias-a-Agosto-2025.pdf\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-452 alignleft\" src=\"https:\/\/assalweb.org\/wp-content\/uploads\/2018\/10\/pdf.png\" alt=\"\" width=\"16\" height=\"16\" \/><strong> Lista de signatarios del MMoU de ASSAL, agosto 2025<\/strong><\/a>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; top_padding=&#8221;2%&#8221; bottom_padding=&#8221;3%&#8221; row_name=&#8221;Sign Up Steps&#8221; overlay_strength=&#8221;0.3&#8243; shape_divider_position=&#8221;bottom&#8221; shape_type=&#8221;&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;top-bottom&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_link_target=&#8221;_self&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; offset=&#8221;vc_col-xs-12&#8243;][nectar_icon_list animate=&#8221;true&#8221; color=&#8221;Accent-Color&#8221; direction=&#8221;vertical&#8221; icon_size=&#8221;small&#8221; icon_style=&#8221;no-border&#8221;][nectar_icon_list_item icon_type=&#8221;icon&#8221; icon_family=&#8221;iconsmind&#8221; title=&#8221;List Item&#8221; id=&#8221;1552492473148-0-3&#8243; header=&#8221;What activities fall within the scope of the MMoU?&#8221; tab_id=&#8221;1552490566901-1&#8243; icon_iconsmind=&#8221;iconsmind-File-Bookmark&#8221;] [\/nectar_icon_list_item][\/nectar_icon_list]<div class=\"divider-wrap\" data-alignment=\"default\"><div style=\"height: 10px;\" class=\"divider\"><\/div><\/div>[vc_row_inner column_margin=&#8221;default&#8221; text_align=&#8221;left&#8221; css=&#8221;.vc_custom_1553007382138{margin-right: 4% !important;margin-left: 3% !important;border-left-width: 1px !important;padding-left: 2.5% !important;border-left-color: #f2f2f2 !important;border-left-style: solid !important;}&#8221;][vc_column_inner enable_animation=&#8221;true&#8221; animation=&#8221;fade-in-from-bottom&#8221; column_padding=&#8221;padding-6-percent&#8221; column_padding_position=&#8221;left&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; el_class=&#8221;parrafo-1&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; delay=&#8221;200&#8243;][vc_column_text]ASSAL\u2019s MMoU covers all aspects related to the supervision of insurance companies, such as:<\/p>\n<ul>\n<li>Granting of licenses or authorizations to operate.<\/li>\n<li>Suitability requirements.<\/li>\n<li>Ongoing supervision, including audit issues.<\/li>\n<li>Reorganization, liquidation and bankruptcy proceedings.<\/li>\n<li>Criminal and administrative proceedings; and\/or<\/li>\n<li>Administration of funds intended to guarantee the payment of insolvencies (\u201cguarantee funds\u201d).<\/li>\n<\/ul>\n<p>In addition, this MMoU applies to the supervision of other regulated entities, such as insurance intermediaries, and to supervisory issues related to anti-money laundering and combating the financing of terrorism (AML\/CFT) regulations, provided that the requested authority and the requesting authority have such legal responsibility.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;all&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_link_target=&#8221;_self&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; width=&#8221;1\/2&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][nectar_icon_list animate=&#8221;true&#8221; color=&#8221;Accent-Color&#8221; direction=&#8221;vertical&#8221; icon_size=&#8221;small&#8221; icon_style=&#8221;no-border&#8221;][nectar_icon_list_item icon_type=&#8221;icon&#8221; icon_family=&#8221;iconsmind&#8221; title=&#8221;List Item&#8221; id=&#8221;1532458311229-4d719-5862&#8243; header=&#8221;How to apply?&#8221; tab_id=&#8221;1552490566901-1&#8243; icon_iconsmind=&#8221;iconsmind-Check&#8221;] [\/nectar_icon_list_item][\/nectar_icon_list]<div class=\"divider-wrap\" data-alignment=\"default\"><div style=\"height: 10px;\" class=\"divider\"><\/div><\/div>[vc_row_inner column_margin=&#8221;default&#8221; text_align=&#8221;left&#8221; css=&#8221;.vc_custom_1553007389911{margin-right: 4% !important;margin-left: 3% !important;border-left-width: 1px !important;padding-left: 2.5% !important;border-left-color: #f2f2f2 !important;border-left-style: solid !important;}&#8221;][vc_column_inner enable_animation=&#8221;true&#8221; animation=&#8221;fade-in-from-bottom&#8221; column_padding=&#8221;padding-6-percent&#8221; column_padding_position=&#8221;left&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; el_class=&#8221;parrafo-1&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; delay=&#8221;200&#8243;][vc_column_text]\n<div class=\"column-bg-overlay\"><\/div>\n<div class=\"vc_column-inner\">\n<div class=\"wpb_wrapper\">\n<div class=\"wpb_text_column wpb_content_element \">\n<div class=\"wpb_wrapper\">\n<p>ASSAL member supervisory authorities interested in subscribing to the MMoU must complete the application form and send all the information indicated therein to the ASSAL Secretariat.<\/p>\n<p>For further information on the application process and requirements, please contact the ASSAL Secretariat at <a href=\"mailto:assal@cmfchile.cl\">assal@cmfchile.cl<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><a href=\"https:\/\/assalweb.org\/wp-content\/uploads\/2022\/10\/Formulario-aplicaci\u00f3n-MMoU-ASSAL_Junio-2021.docx\" target=\"_blank\" rel=\"noopener\"><strong>Formulario aplicaci\u00f3n &#8211; MMoU ASSAL.doc<\/strong><\/a><a href=\"https:\/\/www.assalweb.org\/wp-content\/uploads\/2021\/07\/Formulario-aplicaci\u00f3n-MMoU-ASSAL.doc\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-453 size-full\" src=\"https:\/\/www.assalweb.org\/wp-content\/uploads\/2018\/10\/doc.png\" alt=\"\" width=\"16\" height=\"16\" \/><\/a><\/p>\n<p><a href=\"https:\/\/assalweb.org\/wp-content\/uploads\/2025\/10\/MMOU-ASSAL-Final_Agosto-2025.pdf\" target=\"_blank\" rel=\"noopener\"> <strong>MMOU ASSAL &#8211; Final_Agosto 2025.pdf<\/strong><\/a><a href=\"https:\/\/www.assalweb.org\/wp-content\/uploads\/2021\/07\/MMOU-ASSAL-Final_Julio-2021.pdf\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-452 size-full\" src=\"https:\/\/www.assalweb.org\/wp-content\/uploads\/2018\/10\/pdf.png\" alt=\"\" width=\"16\" height=\"16\" \/><\/a>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; overlay_strength=&#8221;0.3&#8243; shape_divider_position=&#8221;bottom&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;all&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_link_target=&#8221;_self&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;]<div class=\"divider-wrap\" data-alignment=\"default\"><div style=\"height: 10px;\" class=\"divider\"><\/div><\/div>[\/vc_column][\/vc_row][vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; scene_position=&#8221;center&#8221; 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