EU-wide
Articles tagged EU-wide — pan-European regimes: CESOP, CRS, FATCA, DAC7/8, AnaCredit, Instant Payments, MiCA, DORA, AMLA.
Branch vs Freedom of Services: when each is the right EU passporting model
Side-by-side of the two cross-border models: physical presence, supervisory architecture, local AML rep, host-state reporting, tax footprint and timing. When FoS fits,…
DORA Article 30: the mandatory clauses for ICT contracts
Every clause Article 30 of DORA requires in ICT contracts, with the additional requirements for services supporting critical or important functions: audit…
MiCA Travel Rule: the Funds Transfer Regulation for crypto
Regulation (EU) 2023/1113 in practice: what data must travel with every crypto-asset transfer, the EUR 1,000 self-hosted-wallet attestation rule, the receiver-side checks…
PSD3 and the Payment Services Regulation: a tracker
Living tracker on PSD3 and the PSR: the open-banking redesign, fraud-loss allocation, non-bank access to settlement systems, the merger of EMI and…
CRS for EMIs: when an EMI is a Reportable Financial Institution
How CRS / DAC2 catches EMIs holding named customer accounts: the Reporting Financial Institution test, due diligence, what data must be filed…
Sanctions screening at instant-payment speed
How the IPR shifts sanctions screening from per-transaction to customer-level — at-least-daily refresh, the 10-second SCT Inst envelope, false-positive tooling, and the…
AnaCredit for payment firms: when ‘bank-only’ is wrong
AnaCredit explained for non-bank PSPs: when the ECB's analytical credit dataset catches PIs and EMIs, the per-debtor threshold, the 95-attribute file, and…
DAC8: the EU’s new crypto reporting obligation, country by country
DAC8 explained: the EU implementation of the OECD's Crypto-Asset Reporting Framework. Who is in scope, what data is captured, the 2026 first…
MiCA white paper drafting: ARTs and EMTs in practice
How to draft a MiCA white paper for an asset-referenced token or an electronic-money token: the Annex II skeleton, the reserve and…
Mapping a SEPA payment to the CESOP XML schema
Field-by-field walkthrough of how a SEPA pacs.008 credit transfer turns into a CESOP record. Pacs.008 to CESOP mapping table, refund linkage via…