Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
Beneficial owner — the 25% test and control tests
Beneficial owner under AMLR Articles 51 to 53: the 25% ownership-interest test, control via other means, and why the two are assessed…
Obliged entity — who the EU AML rules actually bind
Obliged entity under AMLR Article 3: the full list, how payment and e-money firms are caught, the narrow Article 6 exemption, and…
BaFin video identification — remote onboarding in Germany
BaFin video identification under Circular 3/2017 (GW): who may run it, the three security features, the checksum rule and five-year retention.
SEPBLAC video-identification — remote onboarding in Spain
SEPBLAC video-identification and videoconference: the authorised routes for remote onboarding in Spain, the per-recording review and the one-month rule.
PSD2 passporting — the three routes and the real clock
PSD2 passporting under Article 28: the branch, agent and services templates, and why the three-month clock starts on completeness rather than on…
AMLR outsourcing — six tasks you can never delegate
AMLR outsourcing under Article 18: the six tasks that may never be outsourced, the ex-ante supervisor notification, and full retained liability.
AMLR governance — the compliance manager and officer split
AMLR internal governance: the compliance manager on the management body versus the compliance officer, and who approves policies against procedures.
ANIFI — Spain’s new AML authority, and what it absorbs
ANIFI, Spain's proposed financial integrity authority: what it absorbs from SEPBLAC, the new proliferation-financing competence and the levy funding it.
Spain’s financial sandbox, reformed
Spain's sandbox reform: applications year-round except August and December, filings in English, a 30-working-day clock and new data-protection gates.
Spain’s AML law after MiCA — CASPs as obliged subjects
SEPBLAC's mandatory report in Spanish MiCA authorisations, CASPs as obliged subjects with the advice-only carve-out, and crypto correspondent rules.