OAM

What OAM does

OAM (Organismo per la gestione degli Elenchi degli Agenti in attività finanziaria e dei Mediatori creditizi) is an Italian private-law foundation (Fondazione di diritto privato) established by Legislative Decree 141/2010 and operational since July 1, 2011. It is the exclusive statutory body responsible for managing the public Registers of Financial Activities Agents and Credit Brokers in Italy, operating under the supervision of Banca d'Italia with its Statute approved by the Ministry of Economy and Finance. Governed by a Council of twelve industry associations (including ABI, AMA, ASSOFIN, and ASSILEA), OAM administers eight regulated professional categories: Financial Agents, Credit Brokers, Payment Service Agents, Money Changers, Gold Buyers (Compro Oro), Professional Gold Operators, Virtual Currency Service Providers (VASP), and Merchants (Merchant Intermediari del Credito and Merchant Creditori).

OAM's operational platform comprises a Portale Area Privata (private portal) for telematic registration and supervisory reporting, public registers accessible for consumer verification, an exam/assessment system for professional qualification, and the Segnalazioni di Vigilanza (Supervisory Reporting) system covering 92% of the credit brokerage market. Its technology stack emphasizes regulatory compliance infrastructure: PEC email authentication, two-factor authentication via standard authenticator apps, pagoPA payment integration, and structured data collection across anagraphic, economic/operational, prudential, and transparency profiles. The foundation does not offer a public API.

OAM's business model is funded through mandatory annual registration contributions from regulated entities (e.g., €680-€980 for gold operators), one-time government concession taxes (€168 for merchant creditors), sanctions for non-compliance, and document access fees. The organization serves an exclusively Italian market with no geographic expansion plans beyond EU passporting arrangements, and operates from a single headquarters in Rome with 51-100 employees. Recent strategic activity has focused on expanding regulatory scope through new registers (Merchant, VASP, OPO) and modernizing supervisory infrastructure rather than commercial growth.

Name

OAM

Legal name

Organismo per la gestione degli Elenchi degli Agenti in attività finanziaria e dei Mediatori creditizi

Website

https://organismo-am.it

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

51–100 employees

Short description

OAM is an Italian private-law foundation and the exclusive statutory regulator managing public registers of financial agents, credit brokers, payment service providers, money changers, gold operators, VASP, and merchants operating in Italy, under Banca d'Italia oversight.

Ownership category

akta.pro rank

Product category

Financial Regulatory Services

NAICS

Finance and Insurance (52), Public Administration (92)

SIC

Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Digital Account Opening & Onboarding (eKYC, eSignature, Origination) (FSAGAAAB)

Keywords

• Financial intermediary registry
• Credit broker registration
• Payment service oversight
• Regulatory compliance portal
• Anti-money laundering supervision

Headquarters

HQ city

Rome

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Registration Contributions and Fees: OAM collects annual contributions and fees from all registered entities including Financial Agents, Credit Brokers, Payment Service Agents, Money Changers, Gold Buyers, Professional Gold Operators, and Merchants. The amount varies by category and is defined annually through circulars.
2. Sanctions and Penalties: Revenue generated from sanctions applied to registered entities that violate regulatory requirements. Sanctions include fines and cancellation from registers.
3. Document Access Fees: Fees charged for document reproduction and access to official records held by OAM.

Pricing tiers

Distribution channels3 records

Marketing channels7 records

Core offering

OAM is the Italian private-law foundation that manages the public Elenchi (registers) of agents in financial activity, credit brokers, payment service agents, money changers, gold buyers, and merchants. It provides registration, ongoing supervisory reporting, public consultation of registers, and disclosure of sanctions, all delivered through telematic portals under the supervision of Banca d'Italia.

Product overview

OAM (Organismo per la gestione degli Elenchi degli Agenti in attività finanziaria e dei Mediatori creditizi) is an Italian regulatory foundation that manages multiple public registers and elenchi (lists) for financial services professionals. Its core offering is a suite of mandatory registration and supervisory portals: the Elenco Agenti e Mediatori (Agents and Mediators List), the Registro Compro Oro (Gold Buyers Register), the Registro Operatori Professionali in Oro (Professional Gold Operators Register), the Registro Cambiavalute (Currency Exchange Register), the Registro VASP (Virtual Currency Operators Register), the Registro Soggetti Convenzionati PSP/IMEL, the Registro Punti di Contatto Centrale, and the newly established Registro dei Merchant (Merchant Register). These are supported by a Portale Area Privata (Private Portal) for telematic applications, a Segnalazioni di Vigilanza (Supervisory Reporting System), an Info Point for assistance, and exam/assessment simulators. OAMagazine serves as the institution's periodic newsletter.

Differentiator

Problem solved

Functional benefit

Products and services

• Elenco Agenti in attività finanziaria Public register of financial agents operating in Italy, required for lawful activity and providing public visibility of registered intermediaries.
• Elenco Mediatori creditizi Public register of credit brokers in Italy, supporting statutory compliance and public consultation of intermediaries.
• Elenco Agenti in servizi di pagamento Public register of payment service agents operating in Italy, supporting regulatory oversight and transparency.
• Elenco Cambiavalute Public register of money changers operating in Italy, with anti-money laundering oversight.
• Elenco Operatori compro oro Public register of gold buyers (compro oro) in Italy, supporting AML compliance and regulatory visibility.
• Elenco Esercenti Public register of merchants operating in relevant financial activity categories under OAM oversight.
• OAM Telematic Portal (Online Registration Service) Online portal that allows financial intermediaries to register, submit updates, and consult the public registers of agents, brokers, and related intermediaries.

Quantifiable outcome

• 92% of credit brokerage market and 52% of Financial Agents market involved in updated supervisory reporting system

Segments8 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

15 partnerships are on record, tiered core and minor.

• Guardia di Finanza (Italian Financial Police)coreStrategic or Co-development Partner · 18 September 2024Renewed Memorandum of Understanding between OAM and Guardia di Finanza promoting coordinated activities and data exchange for their respective competencies. The agreement aims to enhance market and consumer protection by monitoring risks in the evolving financial intermediation, payment services, gold buying, virtual currency and digital wallet services sectors. The partnership facilitates identification of abusive practices and information exchange on cryptocurrency-to-fiat currency conversion operators.
• ABI (Associazione Bancaria Italiana)coreStrategic or Co-development PartnerItalian Banking Association - one of 12 industry associations composing the OAM Council of Participants, representing banks and financial intermediaries at the national level.
• AMA (Associazione Mediatori e Agenti)coreStrategic or Co-development PartnerAssociation of Credit Brokers and Financial Agents - represents agents and brokers in the OAM Council of Participants.
• ANTICO (Associazione Nazionale Tutela Il Comparto Oro)minorStrategic or Co-development PartnerNational Association for Gold Sector Protection - represents gold buyers and operators in the OAM Council of Participants.
• APSP (Associazione Prestatori di Servizi di Pagamento)minorStrategic or Co-development PartnerAssociation of Payment Service Providers - represents payment institutions in the OAM Council of Participants.
• ASSIFACT (Associazione Italiana per il Factoring)minorStrategic or Co-development PartnerItalian Factoring Association - represents factoring operators in the OAM Council of Participants.
• ASSILEA (Associazione Italiana Leasing)minorStrategic or Co-development PartnerItalian Leasing Association - represents leasing companies in the OAM Council of Participants.
• ASSOFIN (Associazione Italiana del Credito al Consumo e Immobiliare)minorStrategic or Co-development PartnerItalian Association for Consumer and Mortgage Credit - represents consumer and real estate credit operators in the OAM Council of Participants.
• ASSOMEAminorStrategic or Co-development PartnerAssociation representing various financial intermediaries in the OAM Council of Participants.
• ASSOPROFESSIONAL (Associazione Italiana Professionisti del Credito)minorStrategic or Co-development PartnerItalian Association of Credit Professionals - represents credit professionals in the OAM Council of Participants.
• FIAIP (Federazione Italiana Agenti Immobiliari Professionali)minorStrategic or Co-development PartnerItalian Federation of Professional Real Estate Agents - represents real estate agents in the OAM Council of Participants.
• FIMAA (Federazione Italiana Mediatori Agenti d'Affari)minorStrategic or Co-development PartnerItalian Federation of Business Brokers and Agents - represents commercial brokers in the OAM Council of Participants.
• UFI (Unione Finanziarie Italiane)minorStrategic or Co-development PartnerUnion of Italian Financial Companies - represents financial companies in the OAM Council of Participants.
• ABI, AMA, ASSIFACT, ASSILEA, ASSOFIN, ASSOMEA, ASSOPROFESSIONAL, FIAIP, F.I.M.A.A. (Offline Mediation Transparency Protocol)minorStrategic or Co-development PartnerMemorandum of Understanding signed on October 27, 2017 to simplify how offline credit brokers communicate their fees to lenders for inclusion in TAEG/TEG calculations, facilitating consumer transparency in the credit intermediation chain.
• Banca d'Italia (Bank of Italy)coreStrategic or Co-development PartnerOAM is subject to supervisory oversight by the Bank of Italy. The Bank approves OAM's Statute (alongside the Ministry of Economy and Finance) and exercises ongoing regulatory supervision over OAM's activities.

Scale indicators3 records

Recent moves10 records

Expansion highlights6 records

Others

• UIF (Unità di Informazione Finanziaria): Italy's Financial Intelligence Unit housed within Banca d'Italia. OAM's VASP and Gold Buyers registers feed UIF's anti-money laundering supervision, making it a peer/adjacent entity in the Italian AML regulatory chain that relies on OAM-collected data.
• Banca del Fucino / Mediocredito Centrale: Italian intermediaries subject to OAM registration and supervisory reporting. They are downstream regulated entities, not direct competitors, but representative of the customer base whose contributions fund OAM and whose compliance demands drive OAM's service roadmap.

Broad incumbents

• FINRA: US self-regulatory organization overseeing broker-dealers. Operates BrokerCheck, a public-facing register analogous to OAM's Elenco Agenti e Mediatori, with comparable functions of registration, examination, and supervisory reporting for financial intermediaries.
• Consob: Italy's securities and financial markets regulator. While focused on listed-company disclosure and intermediaries, Consob is part of the same Italian regulatory ecosystem that OAM operates in and shares supervisory data exchange with OAM on financial intermediaries.
• Banca d'Italia: Italian central bank and OAM's statutory supervisor (alongside the MEF). Pre-OAM, Banca d'Italia directly managed the lists of financial agents and credit brokers; it remains the central financial regulator with overlapping authority in payments and credit intermediation, making it the most directly comparable Italian counterpart.
• IVASS: Italian insurance supervisor. OAM registers insurance agents among its financial agents population, and IVASS is the parallel regulatory authority for insurance distribution, making it a natural institutional peer in the Italian intermediary supervision landscape.

Regional players

• ESMA: European Securities and Markets Authority. Sets cross-border supervisory standards that OAM implements at the national level, and is the most plausible destination for any future consolidation of intermediary supervision functions currently held by OAM.
• FCA (Financial Conduct Authority): UK conduct regulator for financial services firms. Maintains the Financial Services Register covering authorized intermediaries, brokers, and payment firms - the closest functional analog to OAM's public register infrastructure, although at significantly larger scale.
• BaFin: Germany's federal financial regulator. Comparable in mandate scope to OAM's role in intermediary supervision and operates a similar register-driven oversight model for German financial intermediaries, payment institutions, and asset managers.
• AMF (Autorité des Marchés Financiers): French financial markets authority. Performs equivalent functions to OAM in supervising financial intermediaries and registration of agents in France, with a comparable public register and supervisory reporting regime.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/oam

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OAM