Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
AMLA’s harmonised STR format under the AMLR
AMLA harmonised STR format: the draft ITS under AMLR article 69(3), the five data-point treatments and the two-phase rollout to one EU…
ESMA ‘report once’ — merging MiFIR, EMIR and SFTR
ESMA's report once plan: the July 2026 final report proposing a single integrated template to replace MiFIR, EMIR and SFTR transaction reporting.
How to issue Luxembourg IBANs
How to issue Luxembourg IBANs: the 20-character format, the allocation chain from CSSF number to BIC to bank code, and the reachability…
EMI licence in Luxembourg — the CSSF application file
EMI licence in Luxembourg: the CSSF file since 21 July 2021, €350,000 initial capital under Article 24-11, Method D own funds and…
German supervisory reporting — Bundesbank ExtraNet
German regulated reporting: the BaFin/Bundesbank split, ExtraNet registration, the portals, COREP/FINREP plus the national set, and AWV reporting.
How to issue German IBANs
German IBANs: the 22-character format, how the Bundesbank allocates the eight-digit Bankleitzahl, and the 14 fields of the quarterly sort-code file.
Payment institution licence in Germany — the ZAG file
Payment institution licence in Germany under the ZAG: the seventeen application items, capital available in Germany, the decision clocks and safeguarding.
EMI licence in Germany — the BaFin application under the ZAG
EMI licence in Germany under section 11 ZAG: what the e-money authorisation also covers, the capital that must be available in Germany,…
AnaCredit across national central banks, compared
AnaCredit per NCB: the EUR 25,000 debtor threshold, merged registers versus greenfield collections, and Germany's Millionenkredit ending 30.12.2026.
AnaCredit forbearance — status values and FINREP
AnaCredit forbearance: the five status values, the difficulty-plus-concession test, interruptible probation, and the FINREP F 19.00 reconciliation.