Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
ZAGAnzV — notifications for German PIs and EMIs
ZAGAnzV explained: what German PIs and EMIs must notify to BaFin and the Bundesbank under § 28 ZAG — forms, the 15…
ISBAR — Ireland’s bank and payment account register
ISBAR, Ireland's account register: who reports under S.I. 46/2022, the weekly CBI Portal XML delta, validation and substitute data, and what PIs…
Rapport de contrôle interne LCB-FT (ACPR, 30 April)
Rapport de contrôle interne LCB-FT: the ACPR's 30 April AML internal-control report — who files, Annex I content, signature, EEA branches, worked…
Relazione annuale antiriciclaggio and autovalutazione
Relazione annuale antiriciclaggio and autovalutazione: what Banca d'Italia expects by 30 April — Allegato 1 schema, the risk method, branches, worked cases.
ZahlPrüfbV — the German payment institution audit report
ZahlPrüfbV explained: what the auditor reports to BaFin and the Bundesbank on German PIs and EMIs — safeguarding, AML Anlage 2, §…
Segnalazioni periodiche antiriciclaggio (Italy)
Segnalazioni periodiche antiriciclaggio: Banca d'Italia's annual AML return via INFOSTAT by 31 March — who files, the voci, and three worked cases.
§ 154 AO Kontenwahrheit — Germany’s account-truth rule
§ 154 AO Kontenwahrheit: who must identify every account signatory and beneficial owner, tax-ID collection, the BZSt query, fines and blocked balances.
Modelo 174 — Spain’s annual card-issuer return
Modelo 174 is new for 2026: which card issuers file (incl. passported EMIs), the two-sided €25,000 exclusion, Annex IV fields and the…
RFT — Luxembourg’s register of fiducies and trusts
Registre des fiducies et des trusts (RFT): which trusts must register with the AED, the one-month deadline, who can access it and…
Modelo 170 — Spain’s monthly card and mobile-payment return
Modelo 170 is monthly from January 2026: who files (incl. passported PIs and EMIs), per-terminal fields, mobile-number payments and record corrections.