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Amendment of section 3 of the Building Societies Law (2014 Revision) - incorporation of 3. 4. 5. Insertion of section 15A - shares not to be issued or transferred without the prior approval 6. 7. 8. Building Societies (Amendment) Law, 2019 Law 15 of 2019 BUILDING SOCIETIES (AMENDMENT) LAW, (Law 15 of 2019) A LAW TO AMEND THE BUILDING SOCIETIES LAW (2014 REVISION) TO REQUIRE THE DIRECTORS AND SENIOR OFFICERS OF A BUILDING SOCIETY TO BE FIT AND PROPER PERSONS; TO REQUIRE THE APPROVAL OF THE MONETARY AUTHORITY FOR CHANGES TO DIRECTORS AND SENIOR OFFICERS OF A SOCIETY; AND FOR INCIDENTAL AND CONNECTED PURPOSES ENACTED by the Legislature of the Cayman Islands.\", \"element\": \"section\", \"heading\": null}, {\"eId\": \"sec_1\", \"num\": \"1.\", \"text\": \"Short title 1. This Law may be cited as the Building Societies (Amendment) Law, 2019.\", \"element\": \"section\", \"heading\": null}, {\"eId\": \"sec_2\", \"num\": \"2.\", \"text\": \"Amendment of section 3 of the Building Societies Law (2014 Revision) - incorporation of societies 2. The Building Societies Law (2014 Revision), in this Law referred to as the \u201cprincipal Law\u201d, is amended in section 3 by inserting after subsection (1), the following subsections \u2014 (Law 15 of 2019) I Assent, Martyn Roper Governor Date: 7th August, 2019 Building Societies (Amendment) Law, 2019 Law 15 of 2019 \u201c(1A) A person who wishes to incorporate a society under this section shall apply to the Authority for a determination that the proposed directors and senior officers of that society are fit and proper persons. (1B) The Registrar shall not grant approval for incorporation of a society under this section unless the proposed directors and senior officers of the society are determined by the Authority to be fit and proper persons. (1C) An applicant for incorporation of a society under this section shall provide such information to the Authority, and within such period of time, as the Authority may require for the purpose of assessing whether the proposed directors and senior officers of the society are fit and proper persons. (1D) The Authority shall assess whether the proposed directors and senior officers of the society are fit and proper persons and shall inform the Registrar and the applicant of its determination. (1E) In determining for the purposes of this Law whether a person is a fit and proper person, regard shall be had to all circumstances, including that person\u2019s \u2014 (a) honesty, integrity and reputation; (b) competence and capability; and (c) financial soundness.\u201d.\", \"element\": \"section\", \"heading\": null}, {\"eId\": \"sec_3\", \"num\": \"3.\", \"text\": \"Amendment of section 4 - rules 3. The principal Law is amended in section 4(2) by inserting after paragraph (d), the following paragraph \u2014 \u201c(da) that the directors and senior officers are required to be fit and proper persons;\u201d.\", \"element\": \"section\", \"heading\": null}, {\"eId\": \"sec_4\", \"num\": \"4.\", \"text\": \"Insertion of section 13A - change of directors or senior officers 4. The principal Law is amended by inserting after section 13, the following section \u2014 \u201cChange of directors or senior officers 13A. (1) The society shall obtain the approval of the Authority prior to appointing a new director or senior officer and shall require that the director or senior officer is a fit and proper person. (2) The Authority shall not grant the approval for the appointment of a new director or senior officer of a society referred to in subsection (1) unless the Authority is satisfied that the director or senior officer is a fit and proper person.\u201d. Building Societies (Amendment) Law, 2019 Law 15 of 2019\", \"element\": \"section\", \"heading\": null}, {\"eId\": \"sec_5\", \"num\": \"5.\", \"text\": \"Insertion of section 15A - shares not to be issued or transferred without the prior approval of the Authority 5. The principal Law is amended by inserting after section 15, the following section \u2014 \u201cShares not to be issued or transferred without the prior approval of the Authority 15A. (1) In the case of a society which may issue shares which carry voting rights, shares representing ten per cent or more of total voting rights of the society shall not be issued to a member, and issued shares representing ten per cent or more of the total voting rights of the society shall not be transferred or disposed of in any manner by a member, without the prior approval of the Authority. (2) The Authority shall not grant the approval specified in subsection (1) where a person acquiring control or ownership of shares representing ten per cent or more of total voting rights of the society is not a fit and proper person. (3) For the purposes of subsection (1), the society shall provide such information to the Authority, and within the specific time, as the Authority may require for the purpose of assessing whether persons acquiring control or ownership of such shares or voting rights referred to in that subsection are fit and proper persons to have such control or ownership. (4) For the avoidance of doubt, the references to shares representing ten per cent or more of the total voting rights of a society include cumulative acquisition of shares or voting rights which amount to ten per cent or more of the total voting rights of the society.\u201d.\", \"element\": \"section\", \"heading\": null}, {\"eId\": \"sec_6\", \"num\": \"6.\", \"text\": \"Insertion of section 22A - obligations of auditors 6. The principal Law is amended by inserting after section 22, the following section \u2014 \u201cObligations of auditors 22A. (1) If an auditor, in the course of carrying out an audit of the accounts of a society under this Law, obtains information or suspects that the society is \u2014 (a) unable or likely to become unable to meet its obligations as they fall due; (b) carrying on or attempting to carry on business or winding up its business voluntarily in a manner that is prejudicial to its members; Building Societies (Amendment) Law, 2019 Law 15 of 2019 (c) carrying on or attempting to carry on business without keeping any or sufficient accounting records to allow its accounts to be properly audited; (d) carrying on or attempting to carry on business in a fraudulent or criminal manner; or (e) carrying on or attempting to carry on business otherwise than in compliance with \u2014 (i) this Law, (ii) the Monetary Authority Law (2018 Revision); or (iii) the Anti-Money Laundering Regulations (2018 Revision), the auditor shall immediately give the Authority written notice of the information or suspicion and, in the case of suspicion, the auditor\u2019s reason for that suspicion. (2) Without prejudice to subsection (7), if it appears to the Authority that an auditor has failed to comply with subsection (1), the Authority may issue a recommendation to Cabinet to disqualify the auditor from being an auditor of a society. (3) Where the Authority is of the opinion that the auditor is not sufficiently competent to carry out an audit of the accounts of a society or that, in all the circumstances, the auditor is incapable of carrying out the audit objectively, the Authority shall issue to Cabinet a recommendation to revoke the appointment of the auditor. (4) When a society changes its auditor, the Authority may require the former auditor to explain the reasons for the change. (5) A person carrying out or charged with the carrying out of any duty, obligation or function under this section shall not incur civil liability for anything done or omitted to be done in respect of the discharge or purported discharge of that duty or function unless it is shown that the act or omission concerned was in bad faith. (6) A reference in this section to an auditor carrying out an audit of the accounts of a society includes a reference to an auditor who was engaged to carry out such an audit or who was in the course of carrying out such an audit but resigned before carrying out or completing the audit or whose contract to carry out or complete the audit was otherwise terminated. (7) Nothing in subsection (1) shall impose on an auditor carrying out an audit of the accounts of a society an obligation to do anything that the auditor would not otherwise be required to do in accordance with generally accepted auditing standards, other than the obligation to provide notice and reasons to the Authority. Building Societies (Amendment) Law, 2019 Law 15 of 2019 (8) A person who contravenes subsection (1) commits an offence and is liable on summary conviction to a fine of twenty thousand dollars.\u201d.\", \"element\": \"section\", \"heading\": null}, {\"eId\": \"sec_7\", \"num\": \"7.\", \"text\": \"Amendment of section 33 - powers and duties of Authority 7. The principal Law is amended in section 33(1) by inserting after paragraph (a), the following paragraph \u2014 \u201c(aa)  to assess the fitness and propriety of persons required to be so assessed under this Law and notify the Registrar of the determination of the assessment in respect of such persons;\u201d.\", \"element\": \"section\", \"heading\": null}, {\"eId\": \"sec_8\", \"num\": \"8.\", \"text\": \"Amendment of section 34 - powers of Authority in respect of building societies 8. The principal Law is amended in section 34(1) by inserting after paragraph (a), the following paragraph \u2014 \u201c(aa) has a director or senior officer who is not a fit and proper person;\u201d. Passed by the Legislative Assembly the 26th day of July, 2019. Hon. W. 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TO REQUIRE THE APPROVAL OF THE MONETARY AUTHORITY\nFOR CHANGES TO DIRECTORS AND SENIOR OFFICERS OF A SOCIETY; AND FOR\nINCIDENTAL AND CONNECTED PURPOSES\nENACTED by the Legislature of the Cayman Islands.\n1.\nShort title\n1.\nThis Law may be cited as the Building Societies (Amendment) Law, 2019.\n2.\nAmendment of section 3 of the Building Societies Law (2014 Revision) -\nincorporation of societies\n2.\nThe Building Societies Law (2014 Revision), in this Law referred to as the \u201cprincipal\nLaw\u201d, is amended in section 3 by inserting after subsection (1), the following\nsubsections \u2014\n(Law 15 of 2019)\nI Assent,\nMartyn Roper\nGovernor\nDate: 7th August, 2019\n\nSection 3\nBuilding Societies (Amendment) Law, 2019\n\nPage 6\n  Law 15 of 2019\nc\n\n\u201c(1A)\nA person who wishes to incorporate a society under this section\nshall apply to the Authority for a determination that the\nproposed directors and senior officers of that society are fit and\nproper persons.\n(1B)\nThe Registrar shall not grant approval for incorporation of a\nsociety under this section unless the proposed directors and\nsenior officers of the society are determined by the Authority to\nbe fit and proper persons.\n(1C)\nAn applicant for incorporation of a society under this section\nshall provide such information to the Authority, and within such\nperiod of time, as the Authority may require for the purpose of\nassessing whether the proposed directors and senior officers of\nthe society are fit and proper persons.\n(1D)\nThe Authority shall assess whether the proposed directors and\nsenior officers of the society are fit and proper persons and shall\ninform the Registrar and the applicant of its determination.\n(1E)\nIn determining for the purposes of this Law whether a person is\na fit and proper person, regard shall be had to all circumstances,\nincluding that person\u2019s \u2014\n(a) honesty, integrity and reputation;\n(b) competence and capability; and\n(c) financial soundness.\u201d.\n3.\nAmendment of section 4 - rules\n3.\nThe principal Law is amended in section 4(2) by inserting after paragraph (d), the\nfollowing paragraph \u2014\n\u201c(da) that the directors and senior officers are required to be fit and\nproper persons;\u201d.\n4.\nInsertion of section 13A - change of directors or senior officers\n4.\nThe principal Law is amended by inserting after section 13, the following section \u2014\n\u201cChange of directors or senior officers\n13A. (1) The society shall obtain the approval of the Authority prior to\nappointing a new director or senior officer and shall require that\nthe director or senior officer is a fit and proper person.\n(2) The Authority shall not grant the approval for the appointment\nof a new director or senior officer of a society referred to in\nsubsection (1) unless the Authority is satisfied that the director\nor senior officer is a fit and proper person.\u201d.\n\nBuilding Societies (Amendment) Law, 2019\nSection 5\n\nc\nLaw 15 of 2019\nPage 7\n\n5.\nInsertion of section 15A - shares not to be issued or transferred without the\nprior approval of the Authority\n5.\nThe principal Law is amended by inserting after section 15, the following section \u2014\n\u201cShares not to be issued or transferred without the prior approval of\nthe Authority\n15A. (1) In the case of a society which may issue shares which carry voting\nrights, shares representing ten per cent or more of total voting rights\nof the society shall not be issued to a member, and issued shares\nrepresenting ten per cent or more of the total voting rights of the\nsociety shall not be transferred or disposed of in any manner by a\nmember, without the prior approval of the Authority.\n(2) The Authority shall not grant the approval specified in subsection (1)\nwhere a person acquiring control or ownership of shares representing\nten per cent or more of total voting rights of the society is not a fit\nand proper person.\n(3) For the purposes of subsection (1), the society shall provide such\ninformation to the Authority, and within the specific time, as the\nAuthority may require for the purpose of assessing whether persons\nacquiring control or ownership of such shares or voting rights\nreferred to in that subsection are fit and proper persons to have such\ncontrol or ownership.\n(4) For the avoidance of doubt, the references to shares representing ten\nper cent or more of the total voting rights of a society include\ncumulative acquisition of shares or voting rights which amount to ten\nper cent or more of the total voting rights of the society.\u201d.\n6.\nInsertion of section 22A - obligations of auditors\n6.\nThe principal Law is amended by inserting after section 22, the following section \u2014\n\u201cObligations of auditors\n22A. (1) If an auditor, in the course of carrying out an audit of the accounts of\na society under this Law, obtains information or suspects that the\nsociety is \u2014\n(a)\nunable or likely to become unable to meet its obligations as they\nfall due;\n(b) carrying on or attempting to carry on business or winding up its\nbusiness voluntarily in a manner that is prejudicial to its\nmembers;\n\nSection 6\nBuilding Societies (Amendment) Law, 2019\n\nPage 8\n  Law 15 of 2019\nc\n\n(c)\ncarrying on or attempting to carry on business without keeping\nany or sufficient accounting records to allow its accounts to be\nproperly audited;\n(d) carrying on or attempting to carry on business in a fraudulent or\ncriminal manner; or\n(e)\ncarrying on or attempting to carry on business otherwise than in\ncompliance with \u2014\n(i)\nthis Law,\n(ii) the Monetary Authority Law (2018 Revision); or\n(iii) the Anti-Money Laundering Regulations (2018 Revision),\nthe auditor shall immediately give the Authority written notice of the\ninformation or suspicion and, in the case of suspicion, the auditor\u2019s\nreason for that suspicion.\n(2) Without prejudice to subsection (7), if it appears to the Authority that\nan auditor has failed to comply with subsection (1), the Authority\nmay issue a recommendation to Cabinet to disqualify the auditor\nfrom being an auditor of a society.\n(3) Where the Authority is of the opinion that the auditor is not\nsufficiently competent to carry out an audit of the accounts of a\nsociety or that, in all the circumstances, the auditor is incapable of\ncarrying out the audit objectively, the Authority shall issue to Cabinet\na recommendation to revoke the appointment of the auditor.\n(4) When a society changes its auditor, the Authority may require the\nformer auditor to explain the reasons for the change.\n(5) A person carrying out or charged with the carrying out of any duty,\nobligation or function under this section shall not incur civil liability\nfor anything done or omitted to be done in respect of the discharge\nor purported discharge of that duty or function unless it is shown that\nthe act or omission concerned was in bad faith.\n(6) A reference in this section to an auditor carrying out an audit of the\naccounts of a society includes a reference to an auditor who was\nengaged to carry out such an audit or who was in the course of\ncarrying out such an audit but resigned before carrying out or\ncompleting the audit or whose contract to carry out or complete the\naudit was otherwise terminated.\n(7) Nothing in subsection (1) shall impose on an auditor carrying out an\naudit of the accounts of a society an obligation to do anything that\nthe auditor would not otherwise be required to do in accordance with\ngenerally accepted auditing standards, other than the obligation to\nprovide notice and reasons to the Authority.\n\nBuilding Societies (Amendment) Law, 2019\nSection 7\n\nc\nLaw 15 of 2019\nPage 9\n\n(8) A person who contravenes subsection (1) commits an offence and is\nliable on summary conviction to a fine of twenty thousand dollars.\u201d.\n7.\nAmendment of section 33 - powers and duties of Authority\n7.\nThe principal Law is amended in section 33(1) by inserting after paragraph (a), the\nfollowing paragraph \u2014\n\u201c(aa)  to assess the fitness and propriety of persons required to be\nso assessed under this Law and notify the Registrar of the\ndetermination of the assessment in respect of such persons;\u201d.\n8.\nAmendment of section 34 - powers of Authority in respect of building\nsocieties\n8.\nThe principal Law is amended in section 34(1) by inserting after paragraph (a), the\nfollowing paragraph \u2014\n\u201c(aa)\nhas a director or senior officer who is not a fit and proper\nperson;\u201d.\n\nPassed by the Legislative Assembly the 26th day of July, 2019.\nHon. 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