EBA
European Banking Authority
Politically exposed person — who qualifies, what to do
Politically exposed person under AMLR Article 2(1)(34): which functions qualify, the 50,000-inhabitant threshold, family, close associates and the measures.
Beneficial owner — the 25% test and control tests
Beneficial owner under AMLR Articles 51 to 53: the 25% ownership-interest test, control via other means, and why the two are assessed…
Obliged entity — who the EU AML rules actually bind
Obliged entity under AMLR Article 3: the full list, how payment and e-money firms are caught, the narrow Article 6 exemption, and…
PSD2 passporting — the three routes and the real clock
PSD2 passporting under Article 28: the branch, agent and services templates, and why the three-month clock starts on completeness rather than on…
AMLR outsourcing — six tasks you can never delegate
AMLR outsourcing under Article 18: the six tasks that may never be outsourced, the ex-ante supervisor notification, and full retained liability.
AMLR governance — the compliance manager and officer split
AMLR internal governance: the compliance manager on the management body versus the compliance officer, and who approves policies against procedures.
Payment Accounts Directive — fees and switching
The Payment Accounts Directive for PSPs: why Chapters II and III bind you, the fee information document, the statement of fees and…
E-money tokens under MiCA — Title IV for an EMI
E-money tokens under MiCA Title IV: who may issue, the notification clocks, no redemption fee and no interest, and the Article 54…
PSD2 fraud reporting under Article 96(6)
PSD2 fraud reporting under the EBA guidelines: the two fraud limbs, why blocked attempts are excluded, and the home and host split…
Own funds — initial capital and Methods A, B, C and D
Own funds for payment institutions and EMIs: the initial capital floors, Methods A, B and C under PSD2 Article 9, Method D,…