EU Payments, FinTech & Crypto-Asset Regulations, MiCA & DORA Delegated Acts
Comprehensive regulatory intelligence on MiCA crypto-asset licensing, Digital Operational Resilience Act (DORA) standards, PSD3/PSR payment services, and mandatory SEPA instant payments.
Payments, FinTech & Digital Finance Regulatory Landscape & Compliance Overview
Official IntelligencePolicyIndex indexes real-time gazette notifications, policy orders, tariff determinations, and compliance circulars issued across the Payments, FinTech & Digital Finance sector. Regulatory intelligence is aggregated across central ministries, state regulatory commissions, and statutory authorities.
Statutory Directives
Official Extraordinary Gazettes, S.O. & G.S.R. orders, and executive notifications.
Compliance Mandates
Sector-specific regulatory obligations, licensing norms, and statutory filing guidelines.
Other Verticals in Financial Services & Capital Markets
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Official Payments, FinTech & Digital Finance Gazettes & Notifications
Frequently Asked Questions on Payments, FinTech & Digital Finance Regulations
What is the Markets in Crypto-Assets Regulation (MiCA)?
Regulation (EU) 2023/1114 (MiCA) provides a unified EU regulatory regime for issuers of asset-referenced tokens (ARTs), e-money tokens (EMTs), and crypto-asset service providers (CASPs), including passporting rights, reserve asset backing, and consumer protections.
What entities are subject to the Digital Operational Resilience Act (DORA)?
DORA (Regulation (EU) 2022/2554) applies to credit institutions, investment firms, payment providers, crypto firms, insurance undertakings, and critical third-party ICT service providers (such as cloud hyperscalers), establishing mandatory ICT risk management, testing, and incident reporting rules.
What is the Financial Data Access (FiDA) Regulation?
The proposed FiDA framework extends open banking principles beyond payment accounts to insurance policies, pensions, investments, and crypto-asset holdings, enabling customers to share their financial data with authorised third parties through standardised APIs while maintaining GDPR-compliant consent management.
What are the key differences between PSD2 and the proposed PSD3/PSR?
PSD3 converts part of the payment services framework into a directly applicable Payment Services Regulation (PSR), harmonising rules on Strong Customer Authentication (SCA), liability for unauthorised transactions, and IBAN-name verification, while the residual PSD3 directive covers licensing and supervision of payment institutions.