Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
OSCAMPS Cartographie des moyens de paiement
Cartographie des moyens de paiement: who is caught, the ECB payment-statistics basis, the derogation, the OSCAMPS LEI enrolment and the XML import…
Carte de Visite Fonctionnelle — your ACPR reporting scope
Carte de Visite Fonctionnelle: the ACPR-generated list of reports you owe, how the fiche déclarative drives it, and why CVF versions belong…
INFOSTAT — the Banca d’Italia reporting channel
INFOSTAT, the Banca d'Italia collection platform: partner accreditation and the PIN, the scadenzario, data entry vs upload, diagnostico, consegna, rilievi.
ONEGATE — the Banque de France portal and test environment
ONEGATE: the Banque de France reporting portal — the test (homologation) addresses, U2A and A2A channels, accreditation per collection and déclarant.
CRBA — Luxembourg’s central register of bank accounts
CRBA Luxembourg: the Law of 25 March 2020 register of IBAN accounts and safe-deposit boxes, the daily JSON file under Circular CSSF…
Kontenabrufverfahren — the § 24c KWG account file in Germany
Kontenabrufverfahren in Germany: the § 24c KWG Dateisystem, what payment and e-money institutions owe via § 27 ZAG, virtual IBANs, and who…
CSSF Regulation 12-02: the Luxembourg AML rulebook
CSSF Regulation 12-02 explained: customer acceptance, the six-month PEP clock, the annual review cadences, the RR and RC appointments and FIU reporting.
Payment exception management: rejects, returns and recalls
Payment exception management under PSD2: refusals, rejects, returns, the 8-week refund right, wrong-IBAN recovery and the clocks that bind each one.
CSSF AML/CFT questionnaire: the 2026 AMLA data collection
The CSSF AML/CFT questionnaire for Luxembourg payment and e-money institutions has been replaced for 2026 by AMLA's data collection templates.
Buying an EMI or PI licence: the change-of-control rules
Buying an EMI or PI licence means acquiring the company. The PSD2 Article 6 and EMD2 Article 3(3) thresholds, the notification, and…