The Autoriteit Financiële Markten (AFM) is the independent financial markets authority in the Netherlands that supervises savings, investments, insurance, lending, pensions, capital markets, asset management, accounting firms, and financial reporting to ensure fair and transparent markets. It regulates financial service providers including banks, insurers, exchanges, intermediaries, and accountants. The AFM aims to be a leading supervisor fostering trust in financial markets through effective oversight and continuous organizational improvement.[2][6]