Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
Designating an AML representative across the EU
The named AML representative across Spain, the Netherlands, France, Italy, Germany and Luxembourg: residency rules, notifications and personal liability.
CIRBE explained — Banco de España’s credit register
CIRBE explained: Banco de España's credit register — who reports under Circular 1/2013, the €1,000 rule, what lenders see, and how to…
What is the DTE? Spain’s BdE Circular 1/2012
The DTE explained: the Banco de España balance-of-payments return under Circular 1/2012 — who files, what is captured, and how it differs…
How to register your SEPBLAC representative
Registering your SEPBLAC representative under Ley 10/2010: who is eligible, the three answers for branches, agents and FoS, and what Modelo F22…
What is EDITRAN? The BdE and SEPBLAC file channel
EDITRAN, the file-transfer channel for filing with SEPBLAC and the Banco de España: registration, the daily window and the acknowledgement chain.
How to file a SAR in Spain
Filing a SAR in Spain: the examen especial gate under Art. 17, the F19 comunicacion por indicio, CTL 2.3 for credit institutions…
What is the DMO? SEPBLAC monthly reporting
The DMO explained: SEPBLAC's monthly systematic reporting under Ley 10/2010 — the categories, how it differs from a SAR, the format and…
What is the FTF? Spain’s Fichero de Titularidades
Fichero de Titularidades Financieras: payment and e-money institutions declare too, safeguarding sub-accounts included — monthly over EDITRAN in seven days.
SEPBLAC explained — Spain’s FIU and what you must report
SEPBLAC is Spain's FIU and AML supervisor in one body: the four things you file — SARs, the monthly DMO, the FTF…
What is IPR reporting? Instant Payments
IPR reporting explained: the EBA template, the six S-tables, the April 2026 first deadline, the backfill, and variations across national supervisors.