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Banking Secrecy in Albania

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The Albanian banking system has strict regulations in place regarding banking secrecy, as outlined in the country’s banking laws. In this article, we’ll delve into the key points related to banking secrecy in Albania.

Protection of Professional Secrecy

According to Article 91 of the Albanian Banking Law, banks are obligated to protect their professional secrecy. This means that they must maintain the confidentiality of their customers’ information and ensure that it is not disclosed to unauthorized parties.

Key Points:

• Protection of Customer Information: Banks must protect the confidentiality of their customers’ information.
• Scope of Confidentiality: Banking secrecy applies to all bank employees, agents, and judicial authorities who may have access to customer information.
• Exceptions to Confidentiality: There are exceptions to banking secrecy, such as when required by law or court order.

Exceptions to Banking Secrecy

While banks are generally obligated to protect their customers’ confidential information, there are certain situations where this secrecy can be lifted. These include:

When Required by Law:

• Banks must disclose customer information if it is required by a court order or a government agency with the authority to investigate financial crimes.
• Banks may also be required to disclose information in cases of money laundering or terrorist financing.

In Cases of Public Interest:

• Banks may be required to disclose customer information in situations where it is deemed necessary for the public interest, such as in cases of national security or financial stability.

Note: This summary is based on the provided text and is intended to provide a general overview of banking secrecy regulations in Albania. If you have specific questions or need further clarification on any point, please don’t hesitate to ask!