Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
MiFID II investment firm licence in the Netherlands (AFM)
MiFID II investment firm authorisation in the Netherlands: the AFM/DNB split, IFR classification, capital floors, dossier contents and realistic timing.
PI licence in the Netherlands — DNB
PI licence in the Netherlands: the DNB authorisation, the initial-capital tiers by service, safeguarding and the AISP registration side-door.
EMI licence in the Netherlands — the DNB application
EMI licence in the Netherlands: the DNB authorisation and AFM twin-peaks split, the EUR 350,000 capital floor, safeguarding and realistic timing.
Conduct and complaints in Italy — ABF and ACF
The Italian conduct cycle: the Arbitro Bancario Finanziario, the Arbitro per le Controversie Finanziarie, and how complaints reporting flows upward.
The Italian AML framework beyond UIF
The Italian AML framework beyond the UIF: sanctions freezes, the beneficial-owner register, Banca d'Italia inspections and Guardia di Finanza requests.
CONSOB MiFIR transaction reporting in Italy
CONSOB MiFIR transaction reporting in Italy: the Article 26 obligation, the 65-field RTS 22 schema, T+1 filing and where reports get rejected.
OAM — the Italian agent and crypto register
The OAM register in Italy: who must enrol, the agent and money-changer sections, the crypto-service provider register and the reporting that follows.
Banca d’Italia Segnalazioni — the reporting matrix
Italian supervisory reporting: the Matrice dei Conti, FINREP/COREP layered on top, the Vigilanza Informativa portal, cadence and reconciliation.
How to issue Italian IBANs
How to issue Italian IBANs: the 27-character format, ABI and CAB codes, the CIN check-letter trap, Banca d'Italia registration and SCT Inst.
CONSOB MiFID II authorisation — the SIM regime
CONSOB authorises a SIM under Article 19 TUF on Banca d'Italia's opinion: the €75,000/€150,000/€750,000 capital tiers and the IFR class 2 vs…