Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
MiFID investment firm authorisation in Luxembourg — the CSSF licence, capital tiers and IFR/IFD classes
MiFID investment firm authorisation in Luxembourg (CSSF): the Law of 5 April 1993 licence, the EUR 75,000-750,000 capital tiers, the IFR/IFD classes,…
CESOP reporting in Spain — Modelo 379, the cross-border payments return, thresholds and deadlines
CESOP reporting in Spain via Modelo 379: who must file, the more-than-25 cross-border payments per payee per quarter threshold, what the record…
CASP authorisation in Germany — the BaFin MiCA licence, the KMAG and the crypto capital tiers
CASP authorisation in Germany: the BaFin MiCA licence, the KMAG transitional window closing 31 December 2025, the EUR 50,000-150,000 capital classes and…
CASP authorisation in Luxembourg — the CSSF MiCA licence, capital tiers and VASP transition
CASP authorisation in Luxembourg: the CSSF MiCA licence under the Law of 6 February 2025, the EUR 50,000-150,000 capital classes, the dossier…
Investment firm authorisation in Germany — BaFin, the WpIG and the three IFR/IFD classes
Investment firm authorisation in Germany: the BaFin WpIG licence, the three IFR/IFD size classes, the EUR 75,000 / 150,000 / 750,000 capital…
PI licence in Luxembourg — the CSSF payment institution authorisation and its capital tiers
PI licence in Luxembourg: the CSSF payment institution authorisation under the Law of 10 November 2009 — what the CSSF will license…
How to file a suspicious transaction report (SOS) with the UIF in Italy
How to file a suspicious transaction report (SOS) with Italy's UIF: the Article 41 duty, the Infostat-UIF portal, registration, the without-delay timing,…
UIF anomaly indicators: the 2023 framework explained with worked examples
The UIF Provvedimento of 12 May 2023 explained: 34 anomaly indicators and ~400 sub-indices in force since 1 January 2024, section-by-section examples,…
AMLA’s harmonised suspicious-transaction report format under the AMLR
AMLA's harmonised suspicious-transaction report format: the draft ITS under Article 69(3) of the AMLR (Regulation (EU) 2024/1624), one EU-wide STR template, the…
ESMA’s ‘report once’: merging MiFIR, EMIR and SFTR transaction reporting
ESMA's report once plan explained: the 2 July 2026 final report proposing a single integrated template to replace MiFIR, EMIR and SFTR…