Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
CSSF legal reporting — the Z and W tables
CSSF legal reporting for Luxembourg payment and e-money institutions: the Z and W periodic tables, the monthly deadline and the eDesk channel.
Circular CSSF 26/906 — internal governance in Luxembourg
Circular CSSF 26/906: applies from 30 June 2026, repeals four older circulars, sets numeric proportionality triggers and requires an annual attestation.
AI data quality and the GDPR accuracy principle
AI data quality and the GDPR accuracy principle: the AEPD's July 2026 technical note, read for teams running monitoring, screening and scoring…
Modelo 172, 173 and 175 — Spain’s crypto returns
Modelo 172, 173 and 721 explained, plus the 2026 draft order that repeals 173, creates modelo 175 and 042, and pulls e-money…
BSI and MIR — the ECB statistical returns for MFIs
BSI and MIR reporting to the ECB: why an EMI is a monetary financial institution, what Regulation (EU) 2021/379 collects, and the…
EU AI Act deadlines for financial institutions
EU AI Act deadlines after Regulation (EU) 2026/1744: Annex III high-risk deferred to December 2027, two new duties, and the financial-sector carve-out.
DAC8 XML reporting integration — schema and systems
How to approach DAC8 XML reporting integration: the four reporting lines, aggregation per user and asset type, valuation at execution, retention.
BaFin licence in Germany — which authorisation you need
BaFin licence in Germany: which authorisation you actually need — ZAG payment and e-money Erlaubnis, § 34 registration, and the KWG banking…
AMLA entity risk scoring — how supervisors will rate you
AMLA's risk-assessment methodology under AMLD6 Article 40(2): the 1-to-4 inherent and controls scores, four classification bands and the residual formula.
Comunicazioni oggettive — Italy’s monthly cash return
Comunicazioni oggettive: Italy's monthly cash return to the UIF under Article 47 of D.Lgs 231/2007, the threshold arithmetic and the XML deadline.