OBS_VALUE: <ul><li><a href=https://www.riigiteataja.ee/akt/106072016011?leiaKehtiv target=_blank>Credit Institutions Act(Krediidiasutuste seadus, RT I 1999 23 349, adopted on 9 February 1999, last amended on 1 July 2022, § 13(3))</a></li></ul>