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Regulatory monitoring: EU version Newsletter - October 2024

1. Bank regulation - 1.1 PRUDENTIAL REGULATION - a) General - (i) EU - ESRB: Speech on old and new frontiers of the ESRB: Systemic risk, non-banks and data analysis - Status: Final - The ESRB has published a speech by...more

Regulatory monitoring: EU version Newsletter - September 2024

1. Bank regulation - 1.1 PRUDENTIAL REGULATION - a) General - (i) EU - EC: Report on the future of European competitiveness Status: Final - The EC has published a report on the future of European competitiveness,...more

Regulatory monitoring: EU version Newsletter - August 2024

1. Bank regulation - 1.1 PRUDENTIAL REGULATION a) General - (i) EU - EBA: Opinion on measures in accordance with Article 458 CRR following a notification by the De Nederlandsche Bank - Status: Final - The EBA has published an...more

News update: EBA cryptoasset "travel rule" guidelines

On 4 July 2024, the European Banking Authority (EBA) published new guidelines on information requirements in relation to transfers of funds and certain cryptoasset transfers under Regulation (EU) 2023/1113 (the recast,...more

News update: ESMA publishes second package of final draft technical standards under MiCAR

On 4 July 2024, the European Securities and Markets Authority (ESMA) published its second package of final draft technical standards under the Markets in Cryptoassets Regulation (MiCAR), including six draft regulatory...more

Amendments to Luxembourg laws to implement MiCAR and TFR: key takeaways and impact on VASPs

On 21 May 2024, a bill of law n° 8387 was introduced before the Luxembourg Parliament. Its objective is to amend several pieces of Luxembourg legislation to operationalise various European regulations, in particular...more

New licensing requirements for cross-border lending into Europe

New EU legislative requirements will reshape how non-EU (including European Economic Area) banks service EU clients on a cross-border basis. In this note we summarise the new regime, its implications for firms providing...more

2024: Regulation gets 'smart'?

In our annual financial services Horizon Scanning webinar, our regulatory team provided an overview of upcoming and expected changes for UK firms. Partners from our UK team considered regulatory updates on the horizon for...more

CRD VI – What EU branches of third country banks need to know

The EU is harmonising the rules on the prudential supervision of EU branches of non-EU banks under CRD VI. The new EU-wide third country branch regime will introduce minimum requirements including capital and liquidity...more

CRD VI cross-border rules take shape

Final provisions on cross-border banking services in the EU published - CRD VI will bring in uniform minimum prudential requirements for third country branches providing banking services in the EU and, more importantly,...more

Paving the way for the future of payments – Instant payments at a glance

As the final compromise text of the so-called Instant Payments regulation has just been published, our regulatory payment experts have summarised the key obligations that will apply to payment service providers in this...more

Further efforts are expected from payment institutions for the effective management of money laundering and terrorist financing...

On 16 June 2023, the European Banking Authority (EBA) published a report on the money laundering and terrorist financing (ML/TF) risks associated with payment institutions (PIs) in the EU, based on a risk assessment exercise...more

When transparency clashes with fundamental rights: EU court curbs public access to beneficial owner registers – what does this...

By a decision rendered on 22 November 2022, the European Court of Justice (the Court) invalidates the provision of the anti-money laundering directive (AMLD) whereby the information on the beneficial owners of corporate and...more

Recent amendments to the Luxembourg AML/CTF legal framework

Make sure that your policies and procedures are up-to-date. A series of amendments were introduced into the amended act of 12 November 2004 on the fight against money laundering and terrorist financing (the AML Act 2004)...more

Latest developments in the field of sustainable finance for firms providing investment services

Legislative and regulatory initiatives in the field of sustainable finance, and more particularly in the financial sector, have recently multiplied....more

CSSF clarifies the requirements for persons willing to benefit from the limited network exclusion under PSD II

On 18 May 2022, the CSSF published CSSF circular 22/812 (the CSSF Circular) through which it integrates into its administrative practice and regulatory approach the EBA guidelines on the so-called limited network exclusion...more

Impact of amendments to the CSSF circular 12/552 for the industry

On 22 April 2022, the CSSF published CSSF circular 22/807 amending the CSSF circular 12/552 on central administration, internal governance and risk management to take account of amended or new guidelines issued by EBA and/or...more

When governance goes green

Credit institutions need to take into account climate-related and environmental risks. As the management of climate-related and environmental risks is a crucial element to ensure robust internal governance arrangements, the...more

DORA – Enhancing digital resilience for the financial sector and its ICT service providers is more important than ever

The future of finance is digital. The increased reliance on technology in finance heightens the vulnerability of ICT systems and worsens the impact of a potential cyberattack. To this end, the European Commission (the...more

Resolution of the European Parliament on relationships between the EU and third countries

On 23 December 2019, a resolution of 11 September 2018 of the European Parliament (the Parliament) on relationships between the EU and third countries concerning financial services regulation and supervision was published in...more

New intervention powers granted to the CSSF for residential housing loans

In light of the continued growth of residential housing prices and the impact on household debt, the Luxembourg parliament adopted a new act on 4 December 2019 (the Act) to grant specific intervention powers to Luxembourg’s...more

12/17/2019  /  Borrowers , CSSF , Loans , Luxembourg

Strong customer authentication for e-commerce card payment transactions: an EU harmonised extension of 14 months to be compliant

Following its June opinion on the possibility for national competent authorities to work with payment service providers and relevant stakeholders and agree on limited additional time for compliance with the strong customer...more

Brexit notification forms available on e-Desk to benefit from the transitional regime in Luxembourg

The CSSF press release 19/41 of 2 August 2019 informs UK firms, UCIs and/or their managers established in the UK (authorised under the UCITS Directive or AIFM Directive) having passported their services into Luxembourg that...more

Register of beneficial owners: make sure you are ready by 31 August 2019

As indicated in our previous e-alert? the Luxembourg register of beneficial owners (the Luxembourg RBE) will go live on 1 September 2019. If you are the director or manager of an entity registered with the Luxembourg trade...more

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