Bancario y finanzas

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Artículos Recientes

  •  
    15/03/2024
    EU

    MiCAR Levels 2 and 3 measures – where do we stand?

    Regulation (EU) 2023/1114 of the European Parliament and of the Council of 31 May 2023 on markets in crypto-assets (“MICAR”) will enter into application at the following dates:as of 30 June 2024, regarding its title III and title IV on issuers of assets-referenced tokens (“ARTs”) and e-money tokens (“EMTs”),as of 30 December 2024, regarding the other titles of MiCAR, which pertain to i.a. (i) crypto-assets other than ARTs and EMTs, (ii) the authorisation and operating conditions for crypto-asset service providers (“CASPs”), and (iii) the prevention...
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  •  
    12/03/2024
    Belgium

    Ready for DORA? It applies to you!

    GB NL FR
    Our era is marked by major technological developments, which can give rise to new risks and challenges. This is true for the financial sector, which is undergoing constant digitalisation and, in parallel, is seeing its exposure to the risk of cyberattacks grow exponentially. With this in mind, the European legislator decided to adopt a European regulation, the Digital Operational Resilience Act (“DORA”). In short, this new European regulation aims to ensure that (certain) stakeholders in the financial sector have adequate resources to withstand any cyberattacks.DORA's personal scope...
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  •  
    12/03/2024
    Europe

    Adoption of MiFID 3 and MiFIR 2 to enhance transparency on markets in financial instruments

    On 8 March 2024, Regulation 2024/791 amending Regulation (EU) No 600/2014 (MiFIR) and Directive 2024/790 amending Directive 2014/65/EU (MiFID 2) on markets in financial instruments were published in the Official Journal of the European Union.The Regulation aims at enhancing data transparency, removing obstacles to the emergence of consolidated tapes, optimising the trading obligations and prohibiting receiving payment for order flow.It introduces consolidated publication systems and pre-trade transparency obligations. Professional and retail investors have access to near-real-time trading data...
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  •  
    11/03/2024
    United Kingdom

    UK Cryptoasset Regulation – 2023 developments and what’s to come in 2024 (Part 1)

    2023 will be remembered as the year the cogs of the UK legislative and regulatory machine finally began to crank meaningfully into gear in relation to cryptoassets, with a raft of legislation, consultations and discussion papers published. Through these initiatives, the UK is paving the way for a comprehensive regulatory regime to rival those in other jurisdictions with early-mover advantage, such as the European Union, Dubai, Singapore and Hong Kong.With a range of critical frameworks and rules set to be enacted in 2024, the pace of this legislative and regulatory development shows no sign of...
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  •  
    11/03/2024
    England and Wales

    De-banking – the potential pitfalls

    Public awareness was heightened recently following the “de-banking” of Nigel Farage by Coutts as a result of his personal and political views.  The furore has resulted in a light being shone on the practice adopted by banks to close customer accounts to manage their regulatory burden and to mitigate risk.  As a result, both HM Treasury and the FCA are considering taking action to address concerns that banks are failing to be open with their customers when closing accounts about their reasons for doing so.The problemBanks face ever increasing obligations and risks from a variety...
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  •  
    11/03/2024
    Romania

    Romania adopts new rules for authorisation of credit servicers with implementation of Directive (EU) 2021/2167 on credit servicers and credit purchasers

    On 7 March 2024, Romania published Emergency Government Ordinance no. 15/2024 on credit servicers and credit purchasers (also known as the NPL Ordinance) in the Official Gazette, which implemented Directive (EU) 2021/2167 of the European Parliament and of the Council of 24 November 2021 on credit servicers and credit purchasers and amending Directives 2008/48/EC and 2014/17/EU.The NPL Ordinance will enter into force in Romania on 17 March.The NPL Ordinance establishes and aligns with the EU framework on the applicable regime for ‘credit servicers’, acting on behalf of a credit purchaser,...
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