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What regulatory change means in practice.
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Digital euro innovation call: an experiment, not an issuance decision
The Eurosystem has invited payment service providers, technology firms, merchants and other organisations to take part in a new wave of digital-euro innovation activities. The call creates a time-limited opportunity t…
Innovation & strategy · ECB · EU · Digital euro · Payments · InnovationRead insight →MiCAR review: what the ESCB is proposing for stablecoins and CASPs
The European System of Central Banks (ESCB) has set out detailed recommendations for the European Commission's review of the Markets in Crypto-Assets Regulation (MiCAR).
Crypto & digital assets · ECB · EU · MiCAR · Stablecoins · CryptoassetsRead insight →FinCEN withdraws two digital-asset proposals: what changed—and what did not
FinCEN has withdrawn two separate digital-asset proposals: a 2020 proposal concerning certain wallet transactions and a 2023 proposal concerning international convertible virtual currency (CVC) mixing.
Crypto & digital assets · FinCEN · US · Cryptoassets · AML · Regulatory changeRead insight →How to find regulatory insights on AnyAccount
AnyAccount's Articles & Insights page brings our published articles together in one searchable archive. You can begin with a search phrase, a category, or a tag.
Innovation & strategy · AnyAccount · Research · WebsiteRead insight →Corruption Mutates. So Must AML: What Payment Firms Should Learn from Networked Financial Crime
Financial crime adapts when controls tighten. This article explores how payment firms can use network analysis, corridor monitoring and joined-up fraud and AML intelligence to respond.
AML & counter-terrorist financing · Payments · AMLRead insight →The UK Is Still Forming Companies — But Almost as Many Are Disappearing
The UK company register is growing slowly as incorporations and dissolutions run close together. What that churn means for ownership verification, KYB and counterparty due diligence.
Corporate governance & ownership · UKRead insight →FCA Safeguarding Rules Go Live: Payment and E-Money Firms Enter a More Demanding Era
A review of the FCA’s safeguarding reforms for payment and e-money firms, covering reporting, reconciliation, audits, resolution packs and third-party arrangements.
Safeguarding · FCA · UK · Payments · E-money · Safeguarding · ComplianceRead insight →Companies House Identity Verification Passes 3.7 Million Appointments; A Messy Start, But Probably the Right One
Companies House identity verification is changing how the corporate register is maintained. This article considers implementation progress, practical obstacles and the implications for governance and ownership checks.
Corporate governance & ownership · Companies House · UKRead insight →A Smarter, Lighter-Touch FCA? A Round-Up of the Regulator’s Most Positive Changes in 2025
A review of the FCA’s approach during 2025, bringing together changes affecting growth, innovation, consumer protection, authorisation and regulatory reporting.
Regulatory policy · FCA · UKRead insight →How to Choose the Right Sponsor Bank in the United States
Choosing a US sponsor bank involves more than pricing. Compare risk appetite, business-model experience, compliance expectations, technical integration and commercial alignment before selecting a partner.
Banking & payments · USRead insight →BSA/AML Examination Manual
A review of the FFIEC’s 2023 BSA/AML Examination Manual updates, focusing on correspondent and private banking, information sharing and how examiners apply existing requirements.
AML & counter-terrorist financing · US · AMLRead insight →NYDFS Tightens Expectations on Third-Party Risk: What New York’s Guidance Means for UK and Global FinTechs
NYDFS guidance places third-party oversight across the full supplier lifecycle. Explore the implications for selection, due diligence, contracts, monitoring and exit planning.
Third-party risk · NYDFS · UK · US · FinTechRead insight →How a UK Firm Should Structure Its First 12 Months Entering the US Market
A practical sequence for a UK firm’s first year in the US: regulatory positioning, governance and controls, sponsor-bank preparation, licensing and launch readiness.
US market entry · UK · USRead insight →FCA Finalises Major Overhaul of Safeguarding Rules for Payments and E-Money Firms (PS25/12)
The FCA’s PS25/12 safeguarding reforms connect reporting, audit assurance, reconciliation and resolution planning. This article explores the operational changes for payment and e-money firms.
Safeguarding · FCA · UK · Payments · E-money · PS25/12Read insight →The 5 Biggest Mistakes UK/EU Firms Make When Expanding Into the US
US expansion can expose gaps in licensing, sponsor-bank readiness, AML, consumer protection and governance. This article examines five common mistakes made by UK and EU firms.
US market entry · UK · EU · USRead insight →FCA Cuts More Regulatory Returns — 36,000 Firms Freed From Nil-Return Churn
A review of the FCA’s 2025 reporting simplification, including REP008 nil returns and other removed filings, and the implications for compliance teams and regulatory reporting processes.
Regulatory reporting · FCA · UK · ReportingRead insight →Five Big Differences Between UK/EU and US Financial Regulation That Every FinTech Should Understand
A comparison of UK/EU and US regulation covering supervisory style, fragmented authority, banking oversight, licensing and AML expectations for fintech firms planning cross-border expansion.
US market entry · UK · EU · US · FinTechRead insight →Banking Access for FinTechs: Why the US Is More Competitive but Less Predictable, and the UK/EU Is More Orderly but More Limited
Banking access differs across the US and UK/EU markets. Compare sponsor-bank choice, compliance expectations, operational readiness and the trade-offs between scale and predictability.
Banking & payments · UK · EU · US · FinTechRead insight →What UK Companies Need to Know About the Updated PSC Guidance (and Why You Ignore It at Your Peril)
Understanding people with significant control is an ongoing governance task. Explore identification, information collection, register maintenance and the implications of the updated PSC guidance discussed in this article.
Corporate governance & ownership · Companies House · UKRead insight →Big Changes to Safeguarding: What CP24/20 Means for UK Payment Firms and Fintechs
An analysis of the safeguarding proposals in CP24/20, covering reconciliation, audit assurance, customer-fund protection and wind-down readiness. It describes the consultation stage, not the later final rules.
Safeguarding · UK · Payments · FinTech · CP24/20 · FCA · E-moneyRead insight →New ‘Failure to Prevent Fraud’ Offence: How UK Firms Can Act Now to Protect Against Liability
A 2025 guide to preparing for the failure-to-prevent-fraud offence, exploring organisational exposure, fraud-risk assessment, reasonable prevention procedures and governance responsibilities.
Fraud & market abuse · UK · FraudRead insight →HM Treasury's Plan for Change: A Turning Point for FinTechs and Payment Institutions
A review of HM Treasury’s 2025 regulatory reform plans and their potential implications for fintech innovation, authorisation, payment institutions and regulatory change planning.
Regulatory policy · UK · Payments · FinTechRead insight →A River of Opportunity: Why the UK’s Capital Markets Are Ripe for Innovation and Investment
A review of the FCA’s 2025 capital-markets agenda, exploring innovation, market reform, growth and the opportunities for firms to engage with regulatory developments.
Innovation & strategy · UKRead insight →Unlocking Financial Resilience: Why Budgeting Apps with Ledgers Can Help Tackle the UK's Savings Shortfall
Budgeting tools connected to transaction data and ledgers could help households understand and manage their finances. Explore the fintech opportunities arising from the financial-resilience issues discussed in this article.
Innovation & strategy · UKRead insight →FCA Liquidity Management Multi-Firm Review: What You Need to Know
A 2023 review of the FCA’s liquidity-management findings, covering weaknesses in risk understanding, liquidity frameworks and preparation for stressed market conditions.
Financial resilience & liquidity · FCA · UKRead insight →SEC Charges Former Citigroup Employee with Insider Trading
An archived report on an SEC insider-trading allegation involving a former Citigroup employee, examining the alleged misuse of confidential information and the enforcement issues raised.
Fraud & market abuse · SEC · US · FraudRead insight →SEC Proposes Changes to Customer Protection Rule
A 2023 review of proposed SEC customer-protection changes, including customer-asset segregation and reserve calculations for broker-dealers. The article describes proposals at that time.
Consumer Duty & promotions · SEC · USRead insight →EU Commission Launches Consultation on New Rules to Counter Economic Crime
A 2023 overview of a European Commission economic-crime consultation, discussing ownership transparency, information exchange and measures intended to strengthen enforcement.
AML & counter-terrorist financing · EU · AMLRead insight →UK Government Publishes Notice on Cross-Border Tax Avoidance
An archived discussion of UK cross-border tax-avoidance guidance, covering the approach described in the notice and the compliance questions it raised for businesses.
Corporate governance & ownership · UKRead insight →UK Government Introduces New Legislation to Keep Russian Sanctions in Place Until Compensation is Paid to Ukraine
A 2023 account of changes to the purposes of the UK’s Russia sanctions regime, including compensation for Ukraine and asset-disclosure issues. It is historical commentary rather than current sanctions guidance.
Sanctions · UK · SanctionsRead insight →The FCA's Approach to Regulating Digital Assets in the UK
A 2023 overview of the FCA’s approach to digital assets, exploring the balance between consumer protection, innovation and the development of a regulatory framework.
Crypto & digital assets · FCA · UK · CryptoassetsRead insight →FCA Introduces Tough New Rules for Marketing Cryptoassets
A 2023 review of changes to cryptoasset marketing rules, focusing on consumer protection and the implications for firms promoting cryptoassets to UK customers.
Consumer Duty & promotions · FCA · UK · CryptoassetsRead insight →FCA Releases Guidance on Cryptoasset Financial Promotions
A 2023 discussion of FCA consultation guidance on cryptoasset promotions, including risk disclosure, clear communications and avoiding misleading claims. Check the subsequent final requirements separately.
Consumer Duty & promotions · FCA · UK · CryptoassetsRead insight →The FCA's Financial Resilience Survey
An archived overview of the FCA’s financial-resilience survey, covering liquidity, risk management and the information firms were asked to provide for supervisory purposes.
Financial resilience & liquidity · FCA · UK · ReportingRead insight →The FCA's Review of Fair Value Frameworks
A 2023 review of FCA findings on fair-value frameworks, exploring the relationship between pricing, customer outcomes and firms’ Consumer Duty assessments.
Consumer Duty & promotions · FCA · UK · Consumer DutyRead insight →The Drive for Data in Non-Bank Financial Intermediation (NBFI)
Non-bank financial intermediation increases the importance of reliable supervisory data. This 2023 article explores the FCA’s interest in the sector and the risks it sought to understand.
Regulatory reporting · Regulatory reportingRead insight →The FCA's New Baseline Financial Resilience Regulatory Return
An archived introduction to the FCA’s FIN073 financial-resilience return and PS23/3, discussing the financial information sought from solo-regulated firms.
Regulatory reporting · FCA · UK · Reporting · FIN073Read insight →Recent US Economic Outlook
A snapshot of the US economy in July 2023, drawing on the Federal Reserve’s Beige Book observations on regional activity, consumer spending and broader economic conditions.
Innovation & strategy · USRead insight →The FCA and PSR Appoint New Members to Decision-Making Committees
A 2023 report on appointments to the FCA and PSR Regulatory Decisions Committees, with an explanation of the committees’ role in regulatory decision-making.
Regulatory policy · FCA · PSR · UKRead insight →Reviewing Again the UK Economic Crime Bill
A 2023 overview of the Economic Crime and Corporate Transparency Bill, discussing proposed measures against economic crime. The article predates subsequent enactment and implementation.
AML & counter-terrorist financing · UK · AMLRead insight →The Prudential Regulation Authority's New Model Risk Management Principles for Banks
An archived review of the PRA’s model-risk management principles, covering how banks identify, govern, assess and control the risks arising from models used in decision-making.
Operational & cyber risk · PRARead insight →Open Consultation Addressing Carbon Leakage Risk to Support Decarbonisation
A 2023 discussion of carbon leakage and the UK consultation on potential responses, including a carbon border adjustment mechanism and the implications for decarbonisation.
Climate policy · Climate policyRead insight →The Financial Services and Markets Act 2000 (Financial Promotion) (Amendment) Order 2023 Keeling Schedule
A review of the 2023 Financial Promotion Amendment Order and its treatment of qualifying cryptoassets, explaining the changes discussed to the UK financial-promotion framework.
Consumer Duty & promotions · Consumer Duty & promotionsRead insight →The Review of the Senior Managers and Certification Regime (SM&CR)
A 2023 introduction to the review of the Senior Managers and Certification Regime, exploring senior accountability, governance and the case for changes to the regime.
Corporate governance & ownership · Corporate governance & ownershipRead insight →The Economic Crime (Anti-Money Laundering) Levy: What Businesses Need to Know
An archived overview of the Economic Crime Levy, discussing its purpose, scope and the administration issues raised for AML-regulated businesses. Check current rates and deadlines separately.
AML & counter-terrorist financing · AMLRead insight →Counter-Terrorism (Domestic) Regime
An archived introduction to the UK Counter-Terrorism (Domestic) sanctions regime, discussing designated persons, asset restrictions and the prevention of terrorist financing.
Sanctions · SanctionsRead insight →FCA Widening Financial Resilience Requirements for Solo-regulated Financial Services Firms
A 2023 discussion of the FCA’s financial-resilience information requirements for solo-regulated firms and the role of that data in supervisory monitoring.
Regulatory reporting · FCA · UKRead insight →FCA updates on Sustainability Disclosure Requirements (SDR) and investment labels consultation
A 2023 update on the FCA’s SDR and investment-label consultation, discussing proposed disclosures, product labels and restrictions on sustainability-related marketing.
ESG & disclosures · FCA · UK · ESG · SDRRead insight →UK Publishes ‘The Green Finance Strategy: A Policy Paper’
A review of the UK’s 2023 Green Finance Strategy, examining the role of private investment and financial-sector policy in supporting the transition to a net-zero economy.
Climate policy · UKRead insight →UK On-track for Crypto Regulation
An archived view of the UK’s developing cryptoasset policy in 2023, examining market volatility, business-model risks and the case for greater regulatory clarity.
Crypto & digital assets · UK · CryptoassetsRead insight →Meeting the Requirements of the Economic Crime (Transparency and Enforcement) Act for Investments
A 2023 discussion of the Economic Crime (Transparency and Enforcement) Act and the Register of Overseas Entities, exploring ownership transparency and implications for UK property interests.
AML & counter-terrorist financing · AMLRead insight →ESG Benchmarking
ESG benchmarks shape how sustainability is measured and communicated. This article discusses disclosure quality, investor confidence and the considerations involved in selecting a benchmark.
ESG & disclosures · ESGRead insight →Financial Conduct Authority Priorities for Payments Firms
A review of the FCA’s 2022–2025 priorities for payment firms, focusing on customer-fund protection, financial-system integrity and meeting customers’ needs.
Regulatory policy · FCA · UK · PaymentsRead insight →Depositors Protected at Silicon Valley Bank
An archived account of the March 2023 Silicon Valley Bank UK intervention and sale to HSBC, discussing continuity of operations and the position of depositors at that time.
Financial resilience & liquidity · USRead insight →HM Treasury Consults on the ‘Future Financial Services Regulatory Regime’ for Cryptoassets
A 2023 introduction to HM Treasury’s consultation on a future cryptoasset regulatory regime, exploring the policy direction and the risks and opportunities under discussion.
Crypto & digital assets · UK · CryptoassetsRead insight →Sir Jon Cunliffe Announces the Digital Pound
An archived account of the Bank of England’s 2023 digital-pound proposals, discussing its intended role in everyday payments and the work needed to develop and test the idea.
Crypto & digital assets · Bank of England · CryptoassetsRead insight →Crypto and Opportunities in the Metaverse
A 2023 exploration of cryptoassets and opportunities in the metaverse, considering digital products, virtual markets and the role of emerging financial infrastructure.
Crypto & digital assets · CryptoassetsRead insight →Review of The Bonus Cap Underway – Get Involved!
A 2023 discussion of proposals to remove the banking bonus cap, exploring the relationship between fixed and variable pay, regulatory oversight and consultation participation.
Corporate governance & ownership · Corporate governance & ownershipRead insight →A Reminder on Final Preparations for Consumer Duty
An archived guide to preparing for Consumer Duty, focusing on foreseeable harm, customer objectives, good faith and the operational changes firms needed to consider.
Consumer Duty & promotions · UK · Consumer DutyRead insight →ESG Fund Downgrades Top $125 Billion
A 2022 discussion of ESG fund reclassification and sustainability labels, examining the challenges of aligning fund claims with UK and EU disclosure approaches.
ESG & disclosures · ESGRead insight →OFSI - Oil Services Ban and Price Cap Information Published
An archived introduction to the December 2022 Russian oil price-cap framework, discussing maritime services, licensing and the compliance issues raised. Current caps and permissions must be checked separately.
Sanctions · OFSI · UK · SanctionsRead insight →Bank of England “FTX collapse shows need to regulate crypto”
A November 2022 account of the Bank of England’s response to FTX’s collapse, examining financial-stability concerns and the case for bringing crypto activities within regulation.
Crypto & digital assets · Bank of England · UK · CryptoassetsRead insight →Reporting to Office of Financial Sanctions Implementation
An archived discussion of reporting to OFSI, covering sanctions-related suspicions and the reporting issues raised for relevant firms. Use current official guidance when assessing an obligation.
Sanctions · OFSI · Sanctions · ReportingRead insight →Financial Action Task Force (FATF) Update 'High-risk and other monitored jurisdictions'
A November 2022 review of FATF jurisdiction-list changes and their implications for AML risk assessments, policies and controls. The country lists described are historical.
AML & counter-terrorist financing · FATFRead insight →FTX Founder Outlines Framework to Minimise Hacks
An archived report on hack-mitigation proposals attributed to FTX’s founder in November 2022, discussing attacker incentives, bounties and the limitations of proposed responses.
Operational & cyber risk · CryptoassetsRead insight →FCA Proposes new rules against ‘Green Washing’
A review of the FCA’s 2022 anti-greenwashing proposals, covering investment labels, sustainability-related language and the need for credible environmental claims.
ESG & disclosures · FCA · UK · ESGRead insight →FCA has fined Gatehouse Bank Plc for significant weakness in its financial crime systems and controls.
A 2022 discussion of the FCA’s Gatehouse Bank AML enforcement action, examining due diligence, higher-risk customers, politically exposed persons and source-of-funds controls.
AML & counter-terrorist financing · FCA · UK · AMLRead insight →FCA Discuss Crypto at Annual Public Meeting
An account of crypto-related discussion at the FCA’s October 2022 public meeting, focusing on its regulatory remit and the challenges of financial-crime monitoring in blockchain markets.
Crypto & digital assets · FCA · UK · CryptoassetsRead insight →Blockchain Security or Vulnerability
A 2022 discussion of blockchain security using the BNB Chain exploit as an example, exploring how distributed networks can still face technical vulnerabilities and operational risks.
Operational & cyber risk · CryptoassetsRead insight →FinCEN updates beneficial ownership rules with UK legislation underway
A 2022 comparison of US beneficial-ownership reporting developments and proposed UK company-transparency legislation. It reflects the position at publication, not the current scope of reporting obligations.
Corporate governance & ownership · FinCEN · UK · USRead insight →No articles match these filters. Try a broader search or clear the filters.