Regulatory Calendar Archive

ESMA consultation on technical guidance for taxonomy disclosure KPIs closes 12 August 2026.

EBA consultation on RTS for specialised lending exposures closes 7 August 2026.

ESMA consultation on money market fund stress test guidelines closes 6 August 2026.

The AI Act becomes fully applicable on 2 August 2026, two years after entry into force.

IQ Card Vertriebs GmbH listed on EBA (Excluded/Exempted Service Provider). Status: Listed. Source: EBA register.

The open MAS consultation on Technology Risk Management Notice amendments closes at 11.30pm on 31 July 2026.

FCA guidance consultation on non-Handbook guidance for the overall risk assessment (Chapter 7) in the new Core Prudential Sourcebook closed; part of the crypto prudential regime package published 30 June 2026 ahead of the 30 September 2026 authorisation gateway.

FCA guidance consultation on non-Handbook guidance for the overall risk assessment (Chapter 7) in the new sector-specific Prudential Sourcebook for cryptoasset firms closed; part of the crypto prudential regime package published 30 June 2026 ahead of the 30 September 2026 authorisation gateway.

Comments are due on the Fed's proposal to create non-interest-bearing special-purpose payment accounts distinct from master accounts.

Comments are due 27 July 2026 on the CFTC's request on extending standard futures to 24/7 trading and on perpetual contracts.

GENIUS Act section 13 required each regulator to promulgate implementing regulations within one year of the 18 July 2025 enactment - a deadline reached with every federal rule still at proposal stage.

Deferred Payment Credit became FCA-regulated on 15 July 2026, bringing affordability checks, disclosure requirements and Financial Ombudsman access; unauthorised lending is now a criminal offence.

HM Treasury opened a consultation on updating the Bank of England's fee regime for recognised payment systems and digital settlement asset service providers.

RBI issued draft guidance on regulatory expectations for data governance on 15 July 2026; the consultation is currently open.

The FSC opened a 40-day comment period on rules enabling refund of stolen virtual assets to voice-phishing victims, in kind.

HM Treasury opened a consultation on modernising the UK payment services framework, covering tokenised payments, open banking and agentic payments.

HM Treasury opened a consultation on making the bank ring-fencing regime more flexible and proportionate, to be delivered through secondary legislation.

PRA consultation proposing changes to the ring-fenced bodies continuity of provision of services rules opened on 14 July 2026.

The Bank of England, PRA and FCA began overseeing the first four designated Critical Third Parties, all cloud providers, on 13 July 2026.

Deadline for member states' central beneficial ownership registers under AMLD6 passed on 10 July 2026.

EBA consultation on ITS for supervisory reporting under the simplification package closed 10 July 2026.

EBA consultation on guidelines for limits to shadow banking exposures closed 9 July 2026.

The comment period closed 9 July 2026 on the CFTC's request for information on identifying regulations to facilitate fintech innovation and competition.

ESMA consultation on CSDR standardised procedures and messaging protocols closed 7 July 2026.

Amendments to the PIB and COB modules made by notice dated 2 July 2026 came into force the same day.

BNPL firms had to register for the Temporary Permissions Regime between 15 May and 1 July 2026 to keep lending after regulation day.

MiCA grandfathering clause expired: firms could operate under national regimes only until 1 July 2026 or until a MiCA authorisation was granted or refused.

ESMA's interim MiCA register is due to be formally integrated into ESMA's IT systems by mid-2026.

PSD3 and the PSR are close to formal adoption: provisional political agreement 27 November 2025, ECON approved the agreed text 5 May 2026, formal adoption and OJ publication expected H2 2026.

CP 169 amendments to the Prudential - Investment, Insurance Intermediation and Banking (PIB) module came into force on 1 July 2026.

Amendments implementing the DFSA's revised approach to Licensed Functions and Authorised Individuals came into force on 1 July 2026.

CP 164 amendments to the PIB module revising the capital requirement for operational risk came into force on 1 July 2026.

The deferred tranche of CP 161 amendments came into force on 1 July 2026.

CPS 230 requirements apply to pre-existing contractual arrangements with material service providers from the earlier of the next renewal or 1 July 2026, ending the transitional carve-out.

Updated CPS 230 and CPG 230 amendments take effect on 1 July 2026, introducing exemptions for certain non-traditional service provider categories.

The French PSAN transitional period ended; from 1 July 2026 only MiCA-authorised CASPs may serve French clients, on pain of two years' imprisonment and a 30,000 euro fine.

The Italian MiCA transition ended 30 June 2026; from 1 July only eight authorised Italian CASPs plus one notified intermediary may provide crypto-asset services, with unauthorised firms limited to closing client relationships.

Luxembourg's 18-month VASP transition ended 1 July 2026; providers without CASP authorisation may only facilitate client exits.

The CNMV confirms Spain's MiCA transitional period ended 1 July 2026; thereafter only CNMV- or EU-authorised CASPs may operate.

Targeted MLR amendments, including pooled-account due diligence and a FATF-aligned high-risk third country definition, came into force 21 days after the Regulations were made on 9 June 2026.

ESMA consultation on European equity market structure closed 30 June 2026.

Firms needing an AFS licence or variation for digital asset financial services had to apply by 30 June 2026 or risk breaching financial services laws, with penalties up to 10% of annual turnover.

KoFIU targeted the first half of 2026 for a package of AML improvement measures, including preparation for stablecoin rules ahead of the 2028 FATF mutual evaluation.

The FATF opened a public consultation on new guidance supporting the strengthened Recommendation 16 cross-border payment transparency standard, ahead of the 2030 travel-rule deadline.

The Bank published its systemic stablecoin policy statement and draft Code of Practice on 22 June 2026, raising the interest-bearing backing-asset share to 70% and replacing holding limits with a 40 billion pound per-coin issuance guardrail.

The comment period opened on customer identification (KYC) requirements for stablecoin issuers under the Bank Secrecy Act.

PRA consultation on adjustments to the Basel 3.1 internal model approach for market risk opened on 19 June 2026, ahead of the deferred 1 January 2028 IMA start.

EBA consultations on RTS and guidelines for initial margin model authorisation closed 17 June 2026.

Banxico published Circular 9/2026 in the DOF, amending the SPEI rules to standardise the mobile-transfer experience and strengthen CoDi and DiMo across banking apps.

MAS opened a consultation on amendments to the Technology Risk Management Notices covering IT asset management, risk monitoring, change management and backup and recovery.

The comment period closed on FDIC standards for supervised stablecoin issuers, deposit insurance treatment of reserve deposits and tokenised deposits.

The comment period closed on the joint proposal setting AML/CFT and sanctions programme obligations for permitted stablecoin issuers.

The comment period closed on amendments letting FedNow participants use intermediaries other than Reserve Banks, enabling cross-border payment legs.

NYDFS opened a ten-day preproposal comment period on a regulation aligning its stablecoin regime with GENIUS Act requirements, including custodian concentration limits.

Perimeter guidance consultation closed 3 June 2026; the FCA says final perimeter guidance will be published in the autumn.

The comment period closed on Treasury's principles for certifying state stablecoin regimes as substantially similar to the federal framework.

The first phase of eased network separation rules began with screening of about ten financial companies in June-July 2026.

The 2025 Payment Services Act amendment entered into force on 1 June 2026, creating the crypto-asset/stablecoin intermediary business and easing trust-type stablecoin reserve rules.

ESMA consultation on ESG rating endorsement guidelines closed 29 May 2026.

Joint EBA-ESMA consultation on management body suitability guidelines closed 25 May 2026.

FSRA consultation on enhancements to its anti-money laundering framework closed on 14 May 2026.

The comment period on the strengthened VASP registration and AML rules closed on 11 May 2026.

The supplementary safeguarding regime, including daily reconciliations, monthly returns, resolution packs and annual audits, came into force on 7 May 2026.

The comment period closed on the OCC's proposed licensing, capital, liquidity and supervision regime for OCC-regulated stablecoin issuers.

PSAVs must report virtual asset FX-market operations carried out from May 2026 onwards, including identifying counterparties behind self-custodied wallets.

EBA consultation on guidelines for systemic risk buffer subsets closed 30 April 2026.

FSRA finalised and published its regulatory framework for the staking of virtual assets on 29 April 2026, following Consultation Paper No. 10 of 2025.

RBI issued a draft Master Direction on Prepaid Payment Instruments for public comment on 22 April 2026.

MAS's consultation on proposed Third-Party Risk Management Guidelines closed on 20 April 2026.

MAS's consultation on updated Operational Risk Management Guidelines closed on 20 April 2026.

Consultation opened on perimeter guidance covering the seven new regulated cryptoasset activities, including stablecoin issuance and trading platforms.

SAMA's Counter-Fraud Fundamental Requirements became effective on 25/10/1447H, corresponding to 13 April 2026.

RBI issued draft directions for the Trade Receivables Discounting System on 8 April 2026.

The annual CSSF financial crime questionnaire opened on eDesk 23 February 2026 with responses due by 3 April 2026.

CP 169 amendments to the AML and FER modules came into force on 1 April 2026.

RBI's authentication directions took effect on 1 April 2026, mandating two-factor authentication for domestic digital payments while permitting alternatives beyond SMS one-time passwords.

The first compliance tier of the open banking rule required the largest institutions to make consumer data available via developer interfaces from 1 April 2026.

VARA's updated Exchange Services Rulebook, adding a dedicated exchange-traded derivatives regime, took effect on 31 March 2026.

The JFSA published its revised anti-money laundering and counter-terrorist financing guidelines on 31 March 2026.

Registers of information (reference date 31 December 2025) had to be submitted via eDesk between 11 February and 31 March 2026.

The first 2026 information-register submission had to be completed in the AFM portal by 31 March 2026, with data-quality resubmissions to 30 April; xBRL-CSV only.

German DORA registers of information (reference date 31 December 2025) had to be filed between 9 and 30 March 2026 via BaFin's MVP platform.

The FSC opened comments on tougher VASP registration, financial soundness and AML rules, extending the travel rule to smaller transactions.

SAMA announced on 26 March 2026 that it has commenced licensing fintech companies to provide open banking services, following completion of the regulatory sandbox phase.

CBI consultation CP166 on prohibition notices under the fitness and probity regime ran from 28 January to 25 March 2026.

The revised Consumer Protection Code applies from 24 March 2026 after a 12-month implementation period, replacing the 2012 Code.

A rule clarifying the application of the federal securities laws to certain types of crypto assets and crypto transactions was published on 23 March 2026.

ADGM Registration Authority discussion paper on proposed crypto mining guidance closed on 20 March 2026.

The mandatory 100 pound contactless cap was replaced from 19 March 2026 by a risk-based exemption letting providers with strong fraud controls set their own limits.

The Bank of Korea announced the full-scale launch of Project Hangang phase two, its tokenised deposit and wholesale CBDC pilot.

Consultation on Handbook application to cryptoasset firms closed 12 March 2026; final rules and guidance published 30 June 2026 as PS26/13.

SAMA issued an updated Payment Systems Oversight Framework by circular on 19/09/1447H, corresponding to 8 March 2026.

RBI issued draft amendment directions reviewing the framework for limiting customer liability in digital transactions on 6 March 2026.

EBA consultation on technical standards for prudentially material transactions closed 5 March 2026.

Amendments to the AML and GLO modules made by notice dated 26 February 2026 came into force on 2 March 2026.

The FIC published Draft PCC 123 for public consultation, giving compliance guidance to CASPs on implementing the crypto travel rule under Directive 9.

Second-round comments on the notices and supervisory guidelines under the 2025 Payment Services Act amendment closed 27 February 2026.

The comment period closed on the FDIC's approval process for bank subsidiaries seeking to issue payment stablecoins.

Consultation on conduct rules for cryptoasset trading platforms, intermediation, staking and lending closed 12 February 2026; final rules published 30 June 2026.

Consultation on the admissions, disclosures and market abuse regime for cryptoassets closed 12 February 2026; final rules published 30 June 2026 as PS26/9.

Consultation on capital, liquidity and other prudential requirements for cryptoasset firms closed 12 February 2026; final rules published 30 June 2026 as PS26/12.

The Bank of England's consultation on its proposed regulatory regime for sterling-denominated systemic stablecoins, published 10 November 2025, closed on 10 February 2026.

New pre-approval controlled function roles for Head of Safeguarding took effect 10 February 2026, with in-situ submissions for existing role holders.

Brazil's full VASP framework - authorisation, conduct, AML, FX and international capital rules - entered into force on 2 February 2026.

Consultation opened on applying Consumer Duty, DISP, COBS, SM&CR, reporting and safeguarding rules to cryptoasset firms.

Guidance consultation opened on how cryptoasset firms should apply the Consumer Duty to their regulated activities; final guidance published 30 June 2026.

The one-month further consultation on new virtual asset advisory and management licensing regimes closed on 23 January 2026.

Comments closed 19 January 2026 on the draft cabinet order and ordinances covering domestic asset-holding orders, trust reserve backing, the new crypto/stablecoin intermediary registration and cross-border collection services.

Amendments implementing the enhanced Crypto Token framework, including a shift to firm-led token suitability assessment, came into force on 12 January 2026.

FINMA published supervisory guidance on how it assesses custody risks for crypto-based assets, applying from publication on 12 January 2026.

FSRA amendments expanding the scope of regulated activities involving fiat-referenced tokens, and rules on accepting FRTs for use in ADGM, took effect on 1 January 2026.

Amendments implementing the revised client assets regime came into force on 1 January 2026.

The Basel prudential treatment of cryptoasset exposures (capital, disclosure and exposure limits) took effect in Hong Kong on 1 January 2026.

The Basel Committee's amended cryptoasset prudential standard and disclosure framework carry an implementation date of 1 January 2026, driving national rulebook transposition.

The CSSF announced an ad hoc questionnaire in H1 2026 collecting data for AMLA's selection of directly supervised entities from 1 January 2028.