News & Analysis as of August 3, 2025

European Banking Authority (EBA)

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The European Union is an economic and political partnership comprised of 27 nations within the Eurozone. The EU was established in 1948 to promote stability and cooperation among member states in the aftermath of WWII. The EU maintains a common currency as well as several intranational institutions, including the European Parliament and the European Commission. less -

EBA review of RTS under PAD

A&O Shearman on 7/2/2025

The European Banking Authority (EBA) has published a report and accompanying press release, on its review of the regulatory technical standards (RTS) under the Payment Accounts Directive concerning standardised terminology...more

EBA opinion on PSD2 and MiCAR

A&O Shearman on 6/18/2025

The European Banking Authority (EBA) has issued an opinion (referred to as the No Action letter) in response to a request from the European Commission (EC) in December 2024, on the interplay between Payment Services Directive...more

E-Money Tokens: European Banking Authority Clarifies PSD2-MiCA Interplay – Implications for CASPs

Morgan Lewis on 6/17/2025

Barely a year after the entry into application of MiCA, the European Banking Authority published a "No-Action Letter" aimed at securing the applicable regime for cryptoasset service providers operating in relation to e-money...more

Regulatory monitoring: EU version Newsletter - December 2024

A&O Shearman on 1/6/2025

1. Bank regulation - 1.1 PRUDENTIAL REGULATION - a) General - (i) International - FSB: Plenary December 2024 - Status: Final - The FSB has set out the outcomes of its Plenary that met on 3 and 4 December. Points of...more

European Commission writes to EU authorities on the interplay between crypto asset and payment services regulations

A&O Shearman on 12/20/2024

The European Banking Authority has published a letter from the European Commission (dated December 6, 2024) to the EBA and the European Securities and Markets Authority regarding the interplay between Markets in Crypto Assets...more

EU Final Guidance on Implementation of EU And National Sanctions

A&O Shearman on 11/22/2024

The European Banking Authority has finalized two sets of guidelines setting common standards on the governance arrangements and the policies, procedures, and controls that financial institutions should have in place to be...more

Regulatory monitoring: EU version Newsletter - July 2024

A&O Shearman on 8/6/2024

1. Bank regulation - 1.1 Prudential Regulation - (a) General - (i) International - BCBS: Consultation on report regarding various technical amendments and FAQs - Status: Consultation - Deadline for the submission of...more

EBA finds ineffective management of EU payments firms’ money laundering/terrorist financing risks

Hogan Lovells on 6/28/2023

Following its 2022 assessment of money laundering (ML) and terrorist financing (TF) risks in the EU payment institutions (PIs) sector, the European Banking Authority (EBA) has published a report on its findings. Among other...more

Key Regulatory Topics: weekly Update 15 October to 21 October 2021

A&O Shearman on 10/25/2021

Of particular note this week, HM Treasury published a policy paper on ‘Greening Finance: A Roadmap to Sustainable Investing’ which sets out the UK government’s ambition to support the financial services sector to align with...more

The new standard for payment security is on its way with SCA

BCLP on 3/2/2020

The new strong customer authentication (“SCA”) requirements under the Payment Services Directive (EU) 2015/2366 (“PSD2”) went live on 14 September 2019. While the new requirements apply only to payment service providers such...more

Key Regulatory Topics: Weekly Update - 9 August 2019 - 15 August 2019

A&O Shearman on 8/20/2019

BREXIT - Post-Brexit options in the Luxembourg financial sector - Allen & Overy has published a list of available options for UK firms currently passporting their activities to Luxembourg or willing to provide services...more

UK Financial Conduct Authority Issues Response to EU Opinion on Strong Customer Authentication

A&O Shearman on 7/12/2019

The U.K. Financial Conduct Authority has issued a statement confirming its intended approach to enforcing firms' compliance with EU "strong customer authentication" rules that will apply across the EU from September 14, 2019....more

Financial Regulatory Observer – June 2019: Outsourcing: Final countdown to implementation

White & Case LLP on 7/8/2019

New guidelines reflect the rise of outsourcing by financial institutions in a new era of disintermediation and technological change. In February 2019, the European Banking Authority (EBA) published its final guidelines on...more

Key Regulatory Topics: Weekly Update 3 May 2019 - 9 May 2019

A&O Shearman on 5/15/2019

BREXIT - Counter-Terrorism International sanctions guidance published On 3 May, the Secretary of State for Foreign and Commonwealth Affairs published statutory guidance, as required by section 43 of the Sanctions and...more

European Businesses Offering Payment Services Told How to Manage Operational and Security Risks

Pillsbury Winthrop Shaw Pittman LLP on 1/29/2018

Payment service providers operating in the EU must take note of new risk management requirements from the European Banking Authority. The European Banking Authority’s operational and risk management guidelines apply to all...more

Global Payments Newsletter, March 2017

Hogan Lovells on 4/13/2017

Welcome to the Hogan Lovells Global Payments Newsletter. In this monthly publication we provide an overview of the most recent payments, regulatory and market developments from major jurisdictions around the world as well as...more

Regulation Round Up - February 2017

Proskauer Rose LLP on 2/28/2017

The FCA and PRA announced changes to enforcement process with the aim of strengthening the transparency and effectiveness of enforcement decision-making processes. Some of the changes have already come into force, the rest...more

EBA Outlines Upcoming Initiatives for the Regulation of Retail Payments

Orrick - Finance 20/20 on 5/27/2015

The European Banking Authority (“EBA”) has announced details of its plans to harmonize regulatory and supervisory practices to ensure secure, easy and efficient payment services across the EU. The Payment Services Directive...more

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