Regulation & Compliance - Long Reads, News, Articles & Research: Finextra

Is ISO 20022 still important for financial institutions and their clients?

Scott Hamilton Contributing Editor at Finextra Research

Is ISO 20022 still important for financial institutions and their clients?

Is getting onboard with ISO 20022 important to you? That depends on your priorities: if you value accurate and standardised entry and management of payment and trade transaction communications and details, and you like to ensure your company’s payables and receivables are properly reconciled, it’s going to make all of that a much more simple and a...

21 July 2025 /regulation

The Data (Use and Access) Act has passed - what will change and what’s next?

Chris Holmes Peer at House of Lords

The Data (Use and Access) Act has passed - what will change and what’s next?

After six years in the making, the Data (Use and Access) Act is finally here. The Act gained Royal Assent on 19 June 2025 and is set to have a significant impact despite more controversial parts of the Bill being dropped before the law was passed. The Data Act amends the UK GDPR, the Privacy and Electronic Communications Regulations and the Data Pr...

01 July 2025 /regulation

eIDAS 2.0: Europe’s digital future for regulating privacy and AML

Renate Prinz Partner at McDermott Will & Emery LLP

eIDAS 2.0: Europe’s digital future for regulating privacy and AML

This piece has been co-authored by Renate Prinz, partner, and Dr. Cornelius Hille, associate, at McDermott, Will & Emery. The European Union’s European Digital Identity Framework Regulation (eIDAS 2.0) introduces a standardised framework for digital identity and trust services across all EU Member States, massively benefiting anti-money launde...

18 June 2025 /regulation

Are we finally seeing the shift to blockchain-as-infrastructure?

Chris Holmes Peer at House of Lords

Are we finally seeing the shift to blockchain-as-infrastructure?

The real news about digital asset innovation is often drowned out by ‘crypto’ noise such as the collapse of FTX and the launch of Trump Coins, but what should we really be listening to? 2025 is the year that Stripe went all in, heralding reports of a stablecoin gold rush in financial services as the UK’s Insolvency Service announces they have hired...

17 June 2025 /regulation

Why is regulation no longer a priority for US financial services?

Scott Hamilton Contributing Editor at Finextra Research

Why is regulation no longer a priority for US financial services?

Financial regulation in the US is so yesterday’s news. Based on recent actions and/or comments from the Trump administration and the regulatory agencies assigned to measure and monitor a multitude of factors that surround and secure the country’s financial system, oversight of banks, savings institutions and credit unions (FIs) – and even emerging...

10 June 2025 /regulation

How do we regulate a future not yet written?

Madhvi Sonia Head of Content at Finextra

How do we regulate a future not yet written?

This is an excerpt from The Future of European Fintech 2025: A Money20/20 Special Edition. According to the European Fintech Association, the fintech industry has attracted the largest share of all VC funding over the last five years, worth around $85 billion. This showcases the strong potential of fintech in Europe, and how the sector will be a d...

06 June 2025 /regulation

Will the Property (Digital Assets) Bill place the UK as a leader in cryptoassets?

Chris Holmes Peer at House of Lords

Will the Property (Digital Assets) Bill place the UK as a leader in cryptoassets?

The Property (Digital Assets etc.) Bill passed 3rd Reading in the House of Lords on 8 May 2025 and will now move to the House of Commons to go through its legislative stages there. It has been a privilege to serve on the Special Public Bill Committee for this important legal change developed by the Law Commission of England and Wales. This legal c...

19 May 2025 /regulation

How will new regulation impact US payments innovation?

Madhvi Sonia Head of Content at Finextra

How will new regulation impact US payments innovation?

This is an excerpt from The Future of US Digital Payments 2025: ACH & Beyond. While rules and regulations are the bedrock of financial services and payments, organisations across the US digital payments landscape must prioritise innovation, transaction quality, opportunity and financial reward at the same time as compliance in order to remain ...

08 May 2025 /regulation

FCA’s 5 year strategy: The UK’s shifting approach to digital assets and tokenisation

Chris Holmes Peer at House of Lords

FCA’s 5 year strategy: The UK’s shifting approach to digital assets and tokenisation

The UK needs to get serious about DeFi, digital assets, stablecoins, crypto, RWAs, tokenisation and the kind of compliance that supports innovation and protects consumers. Hopefully the days of politicians confusing bitcoin with blockchain are well behind us and there is now a greater appreciation of the potential of this technology, which is broad...

10 April 2025 /regulation

Outlook on financial regulations and supervisory practice in Germany and the EU

Renate Prinz Partner at McDermott Will & Emery LLP

Outlook on financial regulations and supervisory practice in Germany and the EU

The first quarter of the new year is over, and many new regulations have come into force and already been widely discussed. DORA, MiCA, CRR III, AMLD – the list of exciting abbreviations in financial market supervision is getting longer every year, and new regulations are increasingly affecting more than just financial service providers and other ...

02 April 2025 /regulation

Is the PS21/3 operational resilience transition period end a turning point?

Madhvi Sonia Head of Content at Finextra

Is the PS21/3 operational resilience transition period end a turning point?

The transition period for the UK regulator FCA’s PS21/3 guidance for Financial Market Infrastructures (FMIs) to build their operational resilience officially ends on 31 March 2025. For many organisations in the financial services and fintech industries, the conclusion of this transition period marks a critical milestone in regulatory compliance an...

31 March 2025 /regulation

Hamish Monk Senior Reporter at Finextra

What is CFPB Section 1033?

The Consumer Financial Protection Bureau, or CFPB, is an independent agency of the United States government. On 22 October 2024, the CFPB issued a final rule to implement Section 1033 of the Dodd-Frank Act, seeking to govern how consumers access and share their financial data – and how that data is protected. In essence, the regulation marked an ...

18 March 2025 /regulation

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