Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
Centrale des Crédits aux Particuliers (CCP), Belgium
The Belgian CCP: what the NBB register records, the unauthorised-overdraft duty for payment accounts, retention periods, and the 2026 credit directive.
Remote identification in Belgium: Article 27
Remote identification in Belgium: the Article 27 source list, the risk-graded verification depth, and when money may move before verification ends.
UIF schede di feedback: how Italy benchmarks your SOS
UIF schede di feedback: who receives one, the 100-SOS floor, the half-yearly cycle and the Gruppo di confronto groups for payments firms.
Orden ECM/531/2026: the CIR threshold from January 2027
Orden ECM/531/2026 restores the annulled CIR rules: the €1,000 declaration threshold and the €3,000 return-report step to 2 January 2027.
Sanctiewet 1977: reporting a sanctions hit to DNB
Sanctiewet 1977 hit reporting to DNB: the Regeling toezicht duty to notify onverwijld, what the notification must contain, freezing and five-year retention.
QLB: the ACPR annual AML questionnaire for payment firms
QLB, the ACPR annual AML/CFT questionnaire: instruction 2022-I-18, tables B0 to B10, OneGate and XBRL filing, and the 31 March and 30…
NBB payment statistics — Belgium’s MCC declaration
NBB payment statistics: the monthly MCC declaration due by the 20th, the nine ECB tables, the 5% derogation test and the CSAM…
FATCA/CRS filing in the Netherlands — portal or Digipoort
FATCA/CRS filing in the Netherlands: the delivery portal or Digipoort, the 1 August deadline, the 72-hour processing report and the annual nil…
CRS/DAC2 filing in France — the XML specification
CRS/DAC2 filing in France: the FR-CRS-DAC2 XML cahier des charges, the 15 July deadline, encrypted deposit and the 100 MB and 32,000-record…
Remote onboarding Ireland — CJA 2010 section 33
Remote onboarding in Ireland: section 33 of the CJA 2010, the Central Bank's channel-risk questions, and why there is no prescribed procedure.