Regulation follows rulemaking that touches payments, lending, crypto and market infrastructure. Consultation drafts, final texts, transition periods and enforcement priorities are read closely, then translated into what a product team must change. Aimed at counsel and operators tracking obligations across more than one jurisdiction.
Consultation papers, final rules and implementation deadlines across major jurisdictions, translated into the obligations a fintech team has to build.
The high-risk obligations apply from August 2, 2026, and banks deploying creditworthiness AI owe a fundamental-rights impact assessment most have not started writing.
The 2015 licensing regime keeps the tightest crypto perimeter in American finance, and its 2023 amendments moved the daily workload to listing and custody governance.
The Commission's November 2023 proposals are still proposals — and their licensing architecture is the part payment institutions should read closest.
The EU's operational-resilience regulation has applied since January 2025, and its most original machinery sits where designation of critical providers turns into contract law.
Since the e-money and asset-referenced token titles applied in June 2024, authorization — not volume or location — decides whether a stablecoin may touch an EU customer at all.