Regulation

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PSR fines Bank of Ireland £3.7m for Confirmation of Payee breach

20 Feb 26 @ 19:10

The UK’s payments watchdog has imposed a £3.78m penalty on Bank of Ireland UK after the lender failed to meet the regulatory deadline for implementing Confirmation of Payee (CoP), a... read more

Pay by Bank – The future of Europe’s payment sovereignty

28 Jan 26 @ 22:23

Europe’s strategic autonomy debate has expanded far beyond defence and energy. As policymakers increasingly recognise, control over everyday payment systems has become a matter of economic sovereignty. As MEP Aurore... read more

Blockchain: From regulatory ambiguity to operational blueprint

20 Jan 26 @ 17:57

For much of blockchain’s commercial history, regulation hovered in the background as an unresolved constraint. Financial institutions ran proofs of concept, explored distributed ledgers and monitored policy debates, but few... read more

Ripple secures EMI licence and UK regulatory green light

16 Jan 26 @ 13:20

Ripple has taken a significant step in its European expansion after securing both an Electronic Money Institution (EMI) licence and cryptoasset registration from the UK’s Financial Conduct Authority. The approvals... read more

Trump proposes credit card rate cap

12 Jan 26 @ 22:01

President Donald Trump’s renewed push to impose a one-year cap of 10 per cent on US credit card interest rates has jolted financial markets and reopened a long-running debate about... read more

Crypto National Trust Banks move into the federal mainstream

16 Dec 25 @ 16:47

A quiet but consequential shift is under way in US financial regulation. Five prominent digital asset firms — Circle, Ripple, Fidelity Digital Assets, BitGo and Paxos — have secured conditional... read more

A step closer to reality: An update on the UK’s National Payment Vision

10 Dec 25 @ 17:21

On 07 November 2025, the Payments Vision Delivery Committee (PVDC) published its “Strategy for Future Retail Payments Infrastructure.” As a quick refresher, the PVDC was set up in November 2024 to... read more

EU strikes landmark deal to strengthen payment security via PSD2

01 Dec 25 @ 15:24

EU policymakers have struck a provisional agreement to overhaul the bloc’s payment services rulebook, marking one of the most significant regulatory updates since PSD2 came into force nearly a decade... read more

An industry in flux: Why the future belongs to many rails, not one

19 Nov 25 @ 18:04

The payments industry is entering one of the most consequential periods of change in its modern history – and a lot rests on the rails it runs on. Consumer habits,... read more

Visa and Mastercard’s interchange truce: A small cut in a very large pie

18 Nov 25 @ 16:16

A fresh settlement between Visa, Mastercard and US merchants promises to trim interchange fees—yet the concessions may do little to shift the balance of power in America’s card-payments ecosystem. After... read more

Court freezes CFPB’s Open Banking rule as industry awaits rewrite

31 Oct 25 @ 12:00

The US District Court for the Eastern District of Kentucky has issued an injunction halting enforcement of the Consumer Financial Protection Bureau’s (CFPB) Open Banking rule. This leaves banks, credit... read more

Revolut’s full UK banking licence delayed amid regulator scrutiny

14 Oct 25 @ 15:20

Revolut’s long-awaited full UK banking licence has hit another roadblock, as the Bank of England’s Prudential Regulation Authority (PRA) continues to raise concerns about whether the fintech giant’s risk management... read more

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ECB brings Central Bank money to tokenised market

23 Sep 26 @ 14:34

The European Central Bank has taken a significant step towards integrating distributed ledger technology with Europe’s core financial infrastructure, launchin... more

European E-commerce Hits €911bn as Payments Reshape Online Retail

21 Sep 26 @ 19:41

European e-commerce has broken through the €900bn barrier, underlining the growing importance of digital retail to the continent's economy while intensifying ... more

Inside A7: How Russia built a parallel cross-border payments network

24 Sep 26 @ 16:29

Russia’s attempts to circumvent Western financial sanctions have developed into a sophisticated parallel payments architecture combining traditional banking, ... more