Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
EMI licence in Italy — the Banca d’Italia file (IMEL)
EMI licence in Italy: the Banca d'Italia IMEL dossier, the capital and fit-and-proper tests, what the IMEL authorisation will license you to…
ACPR complaints and conduct reporting for a foreign payment institution in France
ACPR complaints and conduct reporting for a foreign payment or e-money institution passporting into France: who reports what to the ACPR, AMF…
AMF MiFIR transaction reporting in France
Daily MiFIR Article 26 transaction reporting to AMF: the 65 fields, the ESMA XML schema, ARM vs direct submission, where the data-quality…
Open banking in France — RIB, AISP / PISP and the consent dashboard
How PSD2 access-to-account works in France: the RIB-led customer journey, dedicated interface vs modified customer interface, SCA exemptions, the customer-consent management framework,…
The French AML framework beyond TRACFIN
Beyond the TRACFIN SAR: the COSI systematic-communications regime, the gels d'avoirs asset-freeze framework supervised by the Direction Générale du Trésor, the RBE…
CASP authorisation in France under MiCA — AMF and ACPR split
CASP authorisation in France under MiCA: how a crypto-asset service provider gets authorised by the AMF (with ACPR assent), the services covered,…
AMF MiFID II investment firm authorisation in France
MiFID investment firm authorisation in France (AMF): the agrément process, MiFID II passporting, capital requirements under IFR/IFD, and how the AMF supervises…
SURFI — the French supervisory reporting framework
ACPR's all-in-one supervisory reporting framework for French PSPs: what SURFI captures, which tables apply to non-banks, OneGate submission, cadence, where the mapping…
How to issue French IBANs
The French IBAN format, the Code Banque allocation by Banque de France, the BIC application, the CFONB technical standards layer, SEPA scheme…
Payment Institution licence in France — the ACPR application file
Payment Institution licence in France — the ACPR application file explained: PSD2 services, capital floors, AIS registration, dossier contents, timing, and worked…