• Financial Services Regulatory
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194 results
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Crypto regulation: UK FCA clarifies regulatory perimeter – but leaves open questions over its tech neutrality
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Artificial Intelligence: UK Regulators' and Supervisors' growing expectations of Boards and Senior Managers of regulated entities
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EU Banking Authority reports on fintech banking and payments licensing regimes across Europe
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ESMA reports on fintech firm licensing regimes across Europe
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FCA cites price volatility and ‘FOMO’ in proposal to ban the sale of crypto-derivatives to retail clients
restructuring-next-wave-cov-lite-debt
Insight
Restructuring the next wave of cov-lite debt
Cov-lite loans can leave lenders with limited restructuring options, but creative lenders will still find ways to bring debtors to the table
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Payment Services: Countdown to new Principles-based regime in August
bank vault door
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Specialty finance/Marketplace lending
Financial institutions M&A sector trends: specialty finance/marketplace lending — H1 2019 and outlook for H2 2019
Financial Institutions M&A: Sector trends - June 2019
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Credit cards/Consumer finance
Financial institutions M&A sector trends: credit cards/consumer finance — H1 2019 and outlook for H2 2019
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Brokers/Trading service providers
Financial institutions M&A sector trends: brokers/trading service providers — H1 2019 and outlook for H2 2019
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Stock exchanges/Clearing houses
Financial institutions M&A sector trends: stock exchanges/clearing houses — H1 2019 and outlook for H2 2019
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Payments
Financial institutions M&A sector trends: payments — H1 2019 and outlook for H2 2019
Financial Institutions M&A: Sector trends - June 2019
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Consolidation continues at pace—mega-mergers on the horizon
Financial institutions M&A sector trends: banks — H1 2019 and outlook for H2 2019
Financial Institutions M&A: Sector trends - June 2019
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Stampede of the unicorns
Financial institutions M&A sector trends: fintech — H1 2019 and outlook for H2 2019
Banks face steep climb in MREL issuance
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EU Banking reforms imminent
The Banking Reform Package marks a milestone in the new EU regulatory landscape.
circuit board
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Outsourcing: Final countdown to implementation
New guidelines reflect the rise of outsourcing by financial institutions in a new era of disintermediation and technological change.
paper money
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New UK peer-to-peer lending rules catch up with innovation
Within a decade, the UK's peer-to-peer (P2P) financial services sector has moved from an offbeat outsider to an increasingly significant and permanent player in loan and equity markets.
Brexit preparedness for financial services: The German response
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No-deal Brexit: Challenges for trading venues and their participants
There is no silver bullet for maintaining cross-border trading if the UK leaves the EU without a deal.
FRO in-depth: The future of cryptoassets regulation
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Crypto-assets market: Regulators keeping a watchful eye
The impact of crypto-assets on the global financial system continues to be a subject of debate for regulatory and supervisory authorities.
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Correspondent Risk: Financial Crimes and Correspondent Banking
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Cryptoassets and Open Source Software: UK proposes gold-plating transposition of the EU Fifth Money Laundering Directive
Brexit preparedness for financial services: The German response
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Brexit preparedness for financial services: The German response
It is yet unclear if and when the House of Commons will again decide about the Withdrawal Agreement and whether the date for the UK leaving the EU will be changed. Under the current circumstances, a hard Brexit on 29 March 2019 still remains an option.
Navigating uncertainty: Corporate governance for foreign banks in the US
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Navigating uncertainty: Corporate governance for foreign banks in the US
With the regulatory agenda for the US operations of foreign banks in a state of flux, Kevin Petrasic, Paul Saltzman, Glen Cuccinello, Will Giles and Alexander Abedine of global law firm White & Case provide a map to help boards navigate an uncertain terrain.
Banks face steep climb in MREL issuance
Insight
Banks face steep climb in MREL issuance
The upcoming enforcement of the MREL requirement will require European banks to issue a significant amount of subordinated and senior notes.
circuit board
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EU Regulatory Capital Wall Chart
Essential features of bank capital regulation across Europe in one handy wall chart.
FRO in-depth: The future of cryptoassets regulation
Insight
FRO in-depth: The future of cryptoassets regulation
Partners Julia Smithers Excell and Stuart Willey, and associate Laura Kitchen of global law firm White & Case take a deep dive on the latest publications from EU and UK regulators aimed at providing supervisory clarity on the nascent cryptoasset market.
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Consumer financial services: The road ahead
Key developments, future directions
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Payment processing
The CFPB continued to be active in the consumer payments space in 2018, while the Federal Reserve and market participants considered the future of payment processing, including the development of faster payment systems.
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Marketplace lending
The CFPB has traditionally not prioritized marketplace lenders in its supervisory and enforcement efforts. As a result, state regulators have increasingly sought to fill any perceived voids left by the Bureau.
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Auto finance
In 2018, the CFPB continued to pay attention to the auto finance industry, with a particular focus on indirect (dealer-arranged) auto lenders and unfair or abusive loan servicing practices.
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Student loans
In 2018, the CFPB shifted away from student lending supervision and enforcement. We anticipate this trend to continue in the year to come, with states seeking to fill any voids left by the Bureau.
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Small-dollar loans
In February 2019, the CFPB released the highly anticipated revamp of its Payday Rule, reinforcing its more lenient attitude towards payday lenders.
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Mortgage origination and servicing
In 2018, the CFPB issued multiple rules, and Congress passed legislation, to clarify, revise and update the regulatory framework applicable to the home mortgage origination and servicing market.
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CFPB structural changes
During his tenure, former CFPB Acting Director Mick Mulvaney brought significant changes to the Bureau’s structure and operations. As the new CFPB Director, Kathy Kraninger will have the benefit of a full five-year term to develop her vision for the Bureau’s strategy and priorities.