952.0 LBLBCRBankG

CH

Art. 1 Legge federale dell'8 novembre 1934 sulle banche e le casse di risparmio (LBCR)

LBCR; Capo primo: Sfera d’applicazione

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Art. 1 LBCR

La presente legge si applica alle banche, ai banchieri privati (ditte individuali, società in nome collettivo e società in accomandita) e alle casse di risparmio, qui di seguito designate tutte col nome di banche.

Le persone fisiche e giuridiche che non sottostanno alla presente legge non sono legittimate ad accettare depositi del pubblico a titolo professionale. Il Consiglio federale può prevedere eccezioni, purché la protezione dei depositanti sia garantita. L’emissione di prestiti non è considerata accettazione di depositi del pubblico a titolo professionale.

Non soggiacciono alla legge, segnatamente: a. gli agenti e le ditte di borsa che esercitano soltanto negozio di cartevalori e operazioni direttamente connesse, ma non attività bancaria; b. gli amministratori di beni, i notai e gli agenti d’affari che si limitano ad amministrare i capitali dei loro clienti, senza esercitare un’attività bancaria.

Le espressioni «banca» o «banchiere», isolate o in una parola composta, possono essere utilizzate nella ditta, nella designazione dello scopo sociale e nella pubblicità d’affari soltanto dagli istituti che hanno ricevuto un’autorizzazione come banche dall’Autorità federale di vigilanza sui mercati finanziari (FINMA). È fatto salvo l’articolo 2 capoverso 3.

La Banca nazionale svizzera e le centrali d’emissione di obbligazioni fondiarie soggiacciono alla presente legge soltanto in quanto quest’ultima lo disponga esplicitamente.

Legge federale dell'8 novembre 1934 sulle banche e le casse di risparmio (LBCR) Art. 1a LBCR →

Decisioni giudiziarie che applicano questa disposizione (52)

B-214/2024 (Art. 1 Abs. 1 BankG)

FINMA Sanction Publication Upheld for Unauthorized Deposit-Taking

Used to define which entities are subject to the Banking Act.

B-214/2024 (Art. 1 Abs. 2 BankG)

FINMA Sanction Publication Upheld for Unauthorized Deposit-Taking

Used to establish that the company engaged in the business of accepting deposits from the public without a license.

SK.2024.54 (Art. 1 Abs. 2 BankG)

Illegally Accepting Public Deposits as Director

This provision is cited in the reasoning to establish the prohibition of unauthorized acceptance of public deposits by non-banks.

SK.2019.14 (Art. 1 Abs. 2 BankG)

Defendant Liable for Unlawful Acceptance of Public Deposits

Prohibits natural and legal persons not subject to banking law from commercially accepting public deposits.

B-5473/2017 (Art. 1 Abs. 2 BankG)

Voucher Sale Not Public Deposit, Supervisory Order Overturned

This provision prohibits non-banks from accepting public deposits commercially, forming the basis for the court's decision that the actions did not constitute this prohibited activity.

B-5769/2017 (Art. 1 Abs. 2 BankG)

Virtual Currency Deposit-Taking Violations Upheld; Publication Duration Modified

Cited as the prohibition for entities not under the Banking Act to accept public deposits.

B-1172/2018 (Art. 1 Abs. 2 BankG)

Unlawful Public Deposits Scheme Liquidation and Prohibition

Basis for prohibiting the unlicensed commercial acceptance of public deposits.

SK.2018.31 (art. 1 LBCR)

Negligent Acceptance of Unauthorized Public Deposits

States that entities not subject to banking law are not authorized to professionally accept public deposits.

B-5737/2017 (Art. 1 Abs. 2 BankG)

Company and Director Fined for Illegal Public Deposits

Cited as the basis for the prohibition of accepting public deposits for non-banks.

B-4772/2017 (Art. 1 Abs. 2 BankG)

Biomass Cultivation Business Not Public Deposit

This provision prohibits non-banks from accepting public deposits commercially and forms the basis for the court's decision that the activity in question does not fall under supervisory law because the conditions for accepting public deposits were not met.

B-3729/2015 (Art. 1 Abs. 2 BankG)

Company's "Convertible Bonds" Deemed Public Deposits; Director Banned

The core provision defining the prohibited acceptance of public deposits without a license.

B-5715/2015 (Art. 1 al. 2 LB)

FINMA Deposit-Taking Ban Upheld for Unlicensed Financial Activities

Cited as the prohibition against entities not subject to the Banking Law from accepting public deposits professionally without authorization, forming the core of the illegal activity found.

B-2757/2015 (Art. 1 Abs. 2 BankG)

Company's "Olive Grove" Scheme Deemed Unlicensed Deposit Taking

Establishes the prohibition for entities not subject to the Banking Act to accept public deposits without a license.

B-1906/2015 (Art. 1 Abs. 2 BankG)

*Regulator v. Unlicensed Deposit Taker (Director Liable)*

Used to establish that the company unlawfully accepted public deposits.

B-3659/2015 (Art. 1 Abs. 4 BankG)

Company Management Held Liable for Unlawful Deposit Taking and Misleading Terminology

Applied to find the defendant responsible for the unlawful use of terms like "Investment Banking" and "Private Banking".