眾律國際法律事務所

金融消費者保護法之行政罰規定 / 律師 吳英志  總編輯法學博士范國華主持律師 

關於金融消費者保護法罰則條款之規定，見於該法第12條之1、第30條之1、30條之2及第31條，臚列如下：

第12條之1（行政罰）

金融服務業未依第二章有關金融消費者之保護規定辦理者，主管機關得限期令其改正，並得視情節之輕重，為下列處分：

一、警告。

二、停止該金融商品全部或一部之銷售。

三、對金融服務業就其全部或部分業務為一年以下之停業。

四、命令金融服務業停止其董（理）事、監察人、經理人或受僱人一年以    下執行職務。

五、命令金融服務業解除其董（理）事、監察人、經理人或受僱人職務。

六、其他必要之處置。

金融服務業未依前項主管機關命令於限期內改正者，主管機關得再限期令其改正，並依前項規定處分；情節重大者，並得廢止其營業許可。

With respect to a financial services enterprise that fails to act in accordance with the financial consumer related regulations in Chapter 2, the competent authority may order it to take corrective action within a specified period of time, and may impose the following disciplinary action, depending on the seriousness of the situation:

1. Issue a warning.

2. Order a whole or partial suspension on the sale of the particular product involved in violation.

3. Order the suspension of the financial services enterprise's business in part or in full for up to one year.

4. Order the financial services enterprise to suspend its directors, supervisors, managers or employees from their positions for up to one year.

5. Order the financial services enterprise to remove its directors, supervisors, managers or employees.

6. Any other necessary disciplinary action.

In cases where a financial services enterprise fails to take the corrective action during the time period set out by the competent authority pursuant to the preceding paragraph, the competent authority may again order it to take corrective action within a specified period of time and impose disciplinary actions pursuant to the preceding paragraph. In cases in which the violation is deemed severe, the business license of the offending enterprise may be revoked.

第30條之1（罰鍰）

金融服務業有下列情形之一者，處新臺幣三十萬元以上一千萬元以下罰鍰：

一、違反第八條第二項所定辦法中有關廣告、業務招攬、營業促銷活動方 式或內容之規定。

二、違反第九條第一項規定未充分瞭解金融消費者相關資料及確保金融消 費者之適合度，或同條第二項所定辦法中有關適合度應考量事項之規    定。

三、違反第十條第一項規定，未向金融消費者充分說明金融商品、服務、 契約之重要內容或充分揭露風險，或違反同條第三項所定辦法中有關

    說明、揭露應以金融消費者能充分瞭解之方式或內容之規定。

四、違反第十一條之一規定，未訂定或未依主管機關核定應遵行之原則訂定酬金制度或未確實執行。

金融服務業有前項各款情形之一，且情節重大者，主管機關得於其所得利益之範圍內酌量加重，不受前項罰鍰最高額之限制。

If a financial services enterprise commits any of the following acts, the competent authority shall impose a fine not less than Three Hundred Thousand New Taiwan Dollars (NT$ 300,000) but not more than Ten Million New Taiwan Dollars (NT$10,000,000):

1. Violation of Paragraph 2, Article 8 regarding method and content of advertising, business solicitation and sales promotional activities.

2. Violation of Paragraph 1, Article 9 regarding the requirement to fully understand consumer related information and ensuring the suitability of consumers or violation of Paragraph 2 of the same article regarding what matters suitability should take into account.

3. Violation of Paragraph 1, Article 10 by not fully explaining the main contents of financial products, services and contracts or failing to fully disclose risk, or violation of Paragraph 3 of the same article regarding explaining and disclosing using a method and contents that can be fully understood by the consumer.

4. Violation of Article 11-1 by not formulating a remuneration system, or failing to formulate such a system according to the principles stipulated by the competent authority.

If a financial services enterprise commits any of the following acts pursuant to the preceding paragraph, when the offense is deemed severe, the competent authority may increase the fine to the extent appropriate within the scope of the benefit gained, regardless of the limitation of maximum fine set by the preceding paragraph.

第30條之2（罰鍰）

金融服務業有下列情形之一者，處新臺幣三十萬元以上三百萬元以下罰鍰：

一、違反第十一條之一第一項或第十一條之二第三項規定，業務人員酬金 制度未提報董（理）事會通過，或未經外國金融服務業在臺分支機構負責人同意。

二、違反第十一條之二第一項或第三項規定，初次銷售之複雜性高風險商品未報經董（理）事會或常務董（理）事會通過，或未經外國金融服務業在臺分支機構負責人同意。

If a financial services enterprise commits any of the following acts, the competent authority shall impose a fine not less than Three Hundred Thousand New Taiwan Dollars (NT$ 300,000) and not more than Three Million New Taiwan Dollars (NT$3,000,000):

1. Violation of Paragraph 1 of Article 11-1, or Paragraph 3 of Article 11-2, by failing to have a remuneration system for sales personnel approved by the board of directors, or not obtaining the agreement of the person in charge in the case of the Taiwan branch of an overseas financial services enterprise.

2. Violation of Paragraph 1 or 3 of Article 11-2 by failing, with respect to initial sale of complex, high risk products, to gain the approval of the board of directors or executive board of directors, or gain the agreement of the person in charge of a branch unit of a foreign financial services enterprises in Taiwan.

第31條（解除職務）

爭議處理機構之董事、監察人、評議委員、受任人或受僱人違反本法或依本法所發布之命令者，主管機關得解除其董事、監察人、評議委員、受任人或受僱人之職務。

If a director, supervisor, ombudsman committee member, mandatary, or employee of the ombudsman body violates this Act or any regulations issued hereunder, the competent authority may dismiss the director, supervisor, ombudsman committee member, mandatary, or employee.

 前開罰則構成要件之條文內容，摘錄如下，請自行參酌：

第8條（金融服務業廣告內容、業務招攬及營業促銷確保義務）   

金融服務業刊登、播放廣告及進行業務招攬或營業促銷活動時，不得有虛偽、詐欺、隱匿或其他足致他人誤信之情事，並應確保其廣告內容之真實，其對金融消費者所負擔之義務不得低於前述廣告之內容及進行業務招攬或營業促銷活動時對金融消費者所提示之資料或說明。

前項廣告、業務招攬及營業促銷活動之方式、內容及其他應遵行事項之辦法，由主管機關定之。

金融服務業不得藉金融教育宣導，引薦個別金融商品或服務。

A financial services enterprise, in publishing or broadcasting advertisements or carrying out solicitation or promotional activities, shall not engage in falsehood, deception, concealment, or other conduct sufficient to mislead another party, and shall verify the truthfulness of the content of its advertisements. The obligation it bears to financial consumers shall not be less than that indicated in the content of the aforementioned advertisements or in the materials or explanations provided to financial consumers in the aforementioned solicitation or promotional activities.

Regulations governing the methods, content, and other requirements pertaining to the advertisements and solicitation or promotional activities of the preceding paragraph shall be prescribed by the competent authority.

A financial services enterprise shall not take advantage of education and awareness programs to introduce individual financial products or services.

第9條（金融商品適合性）

金融服務業與金融消費者訂立提供金融商品或服務之契約前，應充分瞭解金融消費者之相關資料，以確保該商品或服務對金融消費者之適合度。

前項應充分瞭解之金融消費者相關資料、適合度應考量之事項及其他應遵行事項之辦法，由主管機關定之。

Before a financial services enterprise enters into a contract with a financial consumer for the provision of financial products or services, it shall fully understand the information pertaining to the financial consumer in order to ascertain the suitability of those products or services to the financial consumer.

Regulations governing -what "information pertaining to the financial consumer" must be fully understood and what matters relating to "suitability" must be taken into account, as mentioned in the preceding paragraph, and other matters requiring compliance, shall be prescribed by the competent authority.

第10條（金融商品風險揭露及個人資料保護義務） 

金融服務業與金融消費者訂立提供金融商品或服務之契約前，應向金融消費者充分說明該金融商品、服務及契約之重要內容，並充分揭露其風險。

前項涉及個人資料之蒐集、處理及利用者，應向金融消費者充分說明個人資料保護之相關權利，以及拒絕同意可能之不利益；金融服務業辦理授信業務，應同時審酌借款戶、資金用途、還款來源、債權保障及授信展望等授信原則，不得僅因金融消費者拒絕授權向經營金融機構間信用資料之服務事業查詢信用資料，作為不同意授信之唯一理由。

第一項金融服務業對金融消費者進行之說明及揭露，應以金融消費者能充分瞭解之文字或其他方式為之，其內容應包括但不限交易成本、可能之收益及風險等有關金融消費者權益之重要內容；其相關應遵循事項之辦法，由主管機關定之。

金融服務業提供之金融商品屬第十一條之二第二項所定之複雜性高風險商品者，前項之說明及揭露，除以非臨櫃之自動化通路交易或金融消費者不予同意之情形外，應錄音或錄影。

Before a financial services enterprise enters into a contract with a financial consumer for the provision of financial products or services, it shall fully explain the important aspects of the financial products or services, and of the contact, to the financial consumer, and shall also fully disclose the associated risks.

An entity as referred to in the preceding paragraph that engages in the collection, processing, and use of personal information shall fully explain to the financial consumer his or her rights regarding the protection of personal information, and the possible negative consequences of any refusal to provide consent. A financial services enterprise that engages in lending business shall also carefully consider the borrower, the intended use of the funds, the source of repayment, the security for its claim, the perspective risks and benefits of the loan, and other such lending principles, and it shall not decline to provide a loan to a financial consumer solely on the grounds that the financial consumer has refused to authorize it to submit a query about his or her credit information to an enterprise that conducts inter-institutional credit information services.

The explanations and disclosures that the financial services enterprise provides to the financial consumer, as mentioned in paragraph 1, shall be in text or use another method that is fully understandable to the financial consumer; and the content thereof shall include, without limitation, aspects of material significance to the interests of the financial consumer, such as transaction costs, and possible gains and risks. Regulations governing related requirements shall be prescribed by the competent authority.

When financial products provided by a financial services enterprise are complex, high risk products as defined in Article 11-2 of the Act, the aforementioned explanations and disclosures should be recorded or filmed unless it is an automatic channel transaction or the consumer does not agree.

第11條之1（業務人員酬金制度）

金融服務業應訂定業務人員之酬金制度，並提報董（理）事會通過。

前項酬金制度應衡平考量客戶權益、金融商品或服務對金融服務業及客戶可能產生之各項風險，不得僅考量金融商品或服務之業績目標達成情形。

前項金融服務業業務人員酬金制度應遵行之原則，由所屬同業公會擬訂，報請主管機關核定。

Financial services enterprises should set a sales personnel remuneration system and have it approved by the board of directors.

The aforementioned remuneration system should give equitable consideration to customer rights and interests, the various risks that the financial product or service pose to the financial industry and customers, and shall not only consider the products or service sales performance target achievement situation.

The principles that the aforementioned financial service sales personnel remuneration system should follow shall be set by the relevant industry association, and be reported to and approved by the competent authority.

第11條之2（複雜性高風險商品之銷售）

金融服務業初次銷售之複雜性高風險商品應報經董（理）事會或常務董（理）事會通過。

前項所定複雜性高風險商品類型，由主管機關定之。

第一項複雜性高風險商品及前條第一項之酬金制度，於外國金融服務業在臺分支機構，應經其在臺負責人同意。

The initial sale of complex, high risk products by financial services enterprises shall be reported to and approved by the Board of Directors or the Executive Board of Directors.

The types of aforementioned complex, high risk products shall be defined by the competent authority.

In the case of the branch units of foreign financial services enterprises in Taiwan, for the complex, high risk products in Paragraph 1 and the remuneration system in Paragraph 1 of the previous article, the agreement of the responsible persons in Taiwan should be received.