This IADI Brief explores the role of Umbrella Organisations (UOs) in supporting and strengthening financial cooperatives (FCs). It highlights their key functions, including financial, legal, and managerial assistance, central liquidity management, and access to payment systems, as well as their contributions to regulatory compliance, resilience, and financial inclusion.

The document provides an analysis of UOs in Québec, Canada; Finland; Guatemala; and Spain, showcasing their diverse structures, operations, and roles in risk management, Institutional Protection Schemes (IPS), failure management, and deposit insurance.