Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
RBE Luxembourg — beneficial owners register
RBE Luxembourg after the loi du 23 janvier 2025: four distinct duties, the daily astreinte, and administrative striking-off.
Registro dei titolari effettivi — Italy’s UBO register
Registro dei titolari effettivi: Italy's UBO register has been suspended since May 2024 — what still binds a payment firm, and what…
UBO-register Netherlands — KVK access and terugmelding
UBO-register Netherlands: the KVK access tiers UBOB1 to UBOB3, the certified extract route, and the article 10c Wwft terugmeldplicht since October 2024.
Registre des bénéficiaires effectifs — France’s UBO register
Registre des bénéficiaires effectifs: how the French UBO register at the INPI is filed, who may access it after décret 2026-310, and…
MESRAP — the Dutch balance-of-payments return to DNB
MESRAP: the DNB return behind the Dutch balance of payments — reporting profiles, the 15-working-day and 30-calendar-day deadlines, taxonomy versions, CSP.
RPC, CRT and CRC: French balance-of-payments returns
RPC, CRT and CRC — the three Banque de France balance-of-payments collections a payment firm can owe: scope, thresholds, deadlines and the…
Examen externo — Spain’s annual AML audit
Examen externo under Art. 28 Ley 10/2010: the annual external-expert exam, the two follow-up years, the three-year independence bar and the board…
Examen especial — the analysis before a Spanish SAR
Examen especial under Art. 17 Ley 10/2010: the structured, integral analysis RD 304/2014 requires, who decides, the register and the ten-year file.
ERMES — filing a TRACFIN déclaration de soupçon
ERMES: TRACFIN's declaration platform — registration and designation, the RGS certificate, the télédéclarant number, XML import, and what a soupçon étayé needs.
OSCAMPS Fraude — the French payment fraud census
OSCAMPS Fraude: the French payment fraud census — proven fraud only, declared at the nominal payment amount, with the branch-establishment scope test.