Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
How to issue French IBANs
How to issue French IBANs: the 27-character format, the clé RIB trap, CIB allocation by the ACPR, and the FICOBA and RPC…
Payment institution licence in France (ACPR)
The payment institution licence in France: the ACPR application file, PSD2 services, capital floors, AIS registration and realistic timing.
EMI licence in France — the ACPR application file
The EMI licence in France: the ACPR application file, EUR 350,000 capital, safeguarding, the French-language requirement and realistic timing.
Conduct and complaints reporting in Spain (DCMR)
How customer complaints and conduct outcomes flow to the Banco de España and CNMV: the structured-data discipline, the cadence and where it…
COREP under IFR/IFD for Spanish investment firms
Quarterly IFR/IFD prudential reporting for Spanish investment firms: the K-factor pipeline, the IF 01.00 to IF 08.00 templates and the Class 3…
Investment firm authorisation in Spain — CNMV
Investment firm authorisation in Spain: the four ESI classes under Ley 6/2023, CNMV's six-month electronic procedure and the IFR Class 2/3 test.
CASP authorisation in Spain — what CNMV expects under MiCA
CASP authorisation in Spain under MiCA: the CNMV services catalogue, Article 67 capital, the application file and the Article 63 clock.
Registro de Titularidades Reales — the Spanish UBO register
Registro de Titularidades Reales: the mandatory RTR query under RD 609/2023, what the certificate shows, and when to report a discrepancy.
Mule-account aggregated reporting under Ley 10/2010
Spain's aggregated reporting to SEPBLAC on confirmed mule-account cases: what triggers it, the structured fields and the relationship to standard SARs.
FINREP for Spanish PIs and EMIs — the reduced taxonomy
How Spanish PIs and EMIs file the reduced FINREP set at the Banco de España: which tables, the XBRL discipline and where…