Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
How to issue Luxembourg IBANs
How to issue Luxembourg IBANs: the 20-character LU format, the three-digit bank code allocation, the BIC mapping, the SEPA scheme obligations and…
EMI licence in Luxembourg — the CSSF application under the 2009 payment services law
EMI licence in Luxembourg: the CSSF has been solely competent since 21 July 2021 and will license four legal forms, not just…
German supervisory reporting: Bundesbank ExtraNet, PRISMA and the return catalogue
How German regulated reporting works: the BaFin/Bundesbank split, ExtraNet registration, the PRISMA and BAM portals, COREP/FINREP plus the national FinaV set, AWV…
How to issue German IBANs
The German IBAN format (DE + 22 chars), how the Bundesbank allocates the 8-digit Bankleitzahl, the BIC mapping, why SEPA direct debit…
Payment institution licence in Germany — the ZAG file, BaFin’s three-month clock and the twelve-month long-stop
Payment institution licence in Germany under the ZAG: the seventeen items in the § 10(2) application, what BaFin will license and on…
EMI licence in Germany — the BaFin application under the ZAG
EMI licence in Germany under § 11 ZAG: the e-money authorisation also lets BaFin license payment services, credit and payment-system operation on…
AnaCredit across national central banks: BECRIS, CIRBE, SCR and the rest compared
How Bundesbank, DNB, Banque de France, Banco de España, Banca d'Italia and the NBB (BECRIS) each implement AnaCredit — merged national registers…
AnaCredit forbearance reporting: status values and the FINREP reconciliation
AnaCredit forbearance explained: the four status values, the difficulty-plus-concession test, the reconciliation triangle with FINREP and IFRS 9 staging, and the operational…
The AnaCredit data model: ten datasets and ~95 attributes explained
AnaCredit data model walkthrough: the ten linked datasets, the identifier discipline (LEI, national IDs), the attributes that cause most rejections, and the…
AnaCredit phases: the real implementation timeline (and why phase 2 doesn’t exist)
AnaCredit phases explained: phase 1 (Stage 1) has been live since September 2018, AnaCredit phase 2 and phase 3 were never adopted,…