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10. Capital markets and finance: Guatemala

Capital markets and finance in Guatemala: who may take money from the public and how banks and foreign bank branches are licensed, the free interest rate regime with mandatory effective rate disclosure, capital adequacy, bank secrecy and the deposit guarantee, the registration of public securities offers and the private placement exemptions, and the movable collateral registry that lets lenders secure inventory and receivables, each tied to the official text. For cross border lending, interest withholding and FX, see the FX section and, for the Argentine side, The Argentine Thread guide.

Investor view. Free interest rates, dollar contracts that courts must honour and a modern electronic collateral registry give lenders and investors in Guatemala clear, market based rules to fund growth.

• Capital markets, banking and credit in Guatemala: bank licensing, free interest rates, capital and deposit rules, securities offerings and movable collateralGuatemalan banking runs on Decreto 19-2002: only banks licensed by the Junta Monetaria, after an opinion of the Superintendencia de Bancos, may take money from the public to lend it, foreign banks may

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