Insights

Your window into the complex world of compliance and regulations

Our industry experts regularly spend time with lawmakers, regulators and industry participants to get to the heart of regulatory issues. We deliver our expert insights across multiple media to ensure timely delivery of information to meet your everyday needs.

From quick blog insights through to industry events, we provide you with the depth and breadth of knowledge needed to help you make the right business decisions, staying compliant and gaining a competitive advantage.

Automatic Pix Goes Live, Enabling Recurring Payments in Brazil

Pix, Brazil’s instant payments system, has introduced a recurring payments mechanism, aiming to simplify bill payments for consumers.
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Sweepstakes Ban Under Consideration in New York, Vetoed In Louisiana

As one state legislature looks to reinforce regulatory actions against sweepstakes gaming operations, another has seen the governor veto a legislative ban, calling it unnecessary.
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Pay.UK Sets Out Ideas For Reforming UK’s Payments Infrastructure

Payment system operator Pay.UK has unveiled a package of proposed reforms to the organisational framework for interbank payments, urging “radical” change to prevent the UK falling behind on infrastructure and innovation.
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Presidential Decree Confirms Brazil Betting Tax Hike

A sharp increase in the main tax applied to online betting in Brazil became reality late Wednesday when an emergency decree was published in the Brazilian government’s official gazette.
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EBA Drops Ten New PSD2 Q&As (Part 2)

Following Tuesday's instalment, VIXIO rounds up the remaining clarifications made by the European Banking Authority (EBA) in its latest set of Q&As on the revised Payment Services Directive (PSD2).
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Payments

’Is This The Beginning Of The End’ For Crypto, Asks Banque De France Exec

A top official at the Banque de France has published a new article in which he questions whether crypto can recover from the “spectacular blow-ups” of 2022. Meanwhile, banking executives on opposing sides of the debate weigh in.
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Payments

Fed Will Not Be ’Climate Policymaker’, Powell Says

US Federal Reserve chair Jerome Powell said it would be inappropriate for the Fed to use its existing mandates to step in on environmental issues.
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Payments

US Payments: What To Watch In 2023

2023 is expected to be a significant year for US payments with the launch of the Federal Reserve’s instant payment system and the release of its open banking rule. Legislative activity in the crypto space is also likely to heat up, Durbin’s credit card bill will be brought back to Congress and consumer protection issues will again take centre stage on the regulatory agenda.
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Payments

Ohio Regulator Says Affiliate Marketers Central To Responsible Gaming Concerns

Ohio has immediately become perhaps the most aggressive U.S. state to date in enforcing responsible gambling protections through sanctions, and the regulator’s executive director said Tuesday that much of that conversation revolves around affiliate marketers.
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Gambling

German Regulator Refers Cases For Criminal Prosecution

Germany’s newly empowered gambling authority has said regulators have filed more than 60 prohibition orders and referred more than 30 cases for criminal prosecution.
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Gambling

New Year, Same Wait For Brazil's Sports-Betting Regulation

Recent changes to Brazil's tax codes and comments from an outgoing senior official would suggest that regulations for sports betting are imminent, but legal experts are advising caution as a new presidential administration takes office.
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Gambling

PSR Responds To TSB Warning On APP Fraud Reimbursement Threshold

The UK’s Payment Systems Regulator (PSR) has responded to claims made by TSB Bank that new rules on reimbursement for authorised push payment (APP) fraud will exclude a significant number of victims.
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Payments

EBA Drops Ten New PSD2 Q&As (Part 1)

The European Banking Authority (EBA) has issued a new set of clarifications regarding the revised Payment Services Directive (PSD2). This first of two insights, which VIXIO is looking at over the next two days, focuses on fraud loss liability, different business models for regular payments and safeguarding of funds.
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Payments

Pending Dutch Ad Ban Needs Clarification, Says Advisory Body

The Dutch government’s regulatory advisory body has warned that a raft of proposed advertising restrictions “have not been sufficiently elaborated”.
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Gambling

U.S. Adoption Of Cashless Wagering Driven By Changes To Consumer Preferences

Although vintage slot machines that accept coins can still be found on a few casino floors in the U.S., the move to cashless gaming is set to continue in 2023 driven by the effects of the coronavirus pandemic and changes in consumer preferences.
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Gambling

Treat Crypto Like Gambling, Says ECB Official

Trading in unbacked digital assets should be treated by regulators like gambling, according to a leading European banker.
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Gambling

Italian Gambling Concessions Extended

Italy’s betting, bingo, slots and online gaming concessions have been extended by a year after they were set to expire at the end of 2022.
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Gambling

UPDATE: J.P. Morgan To Face Lawsuit Over Loss Of $272m From Ray-Ban Maker’s Account

A US judge has ruled that J.P. Morgan must face a lawsuit that seeks to hold the bank liable for the loss of $272m from the account of a Thailand-based Ray-Ban manufacturer.
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Payments

Indian Court Tells Google To Pay 10 Percent Fine Deposit For Appeal To Be Heard

An Indian appellate court has ordered Google to deposit 10 percent of two penalty fines that it received for abuse of its position before it will grant its motion to appeal.
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Payments

Treat Crypto Like Gambling, Says ECB Official

Trading in unbacked digital assets should be treated by regulators like gambling, Fabio Panetta has said in his latest intervention.
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Payments

TikTok To Enable Instant Account-To-Account Payments On Platform

TikTok parent ByteDance has partnered with J.P. Morgan to build a real-time payments infrastructure as the firm looks to leverage local instant clearing systems to reduce costs and enhance user experience.
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Payments

Ukrainian Industry Calls For State Monitoring Of Gambling Amid Tax Hike Fears

A trade group representing gambling operators in Ukraine is calling on the government to accelerate plans for an online monitoring platform to forestall the activation of a higher tax rate.
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Gambling

Chile's Economy Commission Begins Online Gambling Bill Discussions

Chile’s bill to legalise online gambling took a step forward last week as the Chamber of Deputies' Economy Commission began to evaluate the project.
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Gambling

Ireland Could Restrict Gambling Ads In Sport, Say Researchers

Ireland needs a targeted focus on higher-risk groups of the population such as sports players in its pending legislation, according to the Economic and Social Research Institute.
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Gambling
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Regulatory Influencer: Poland Proposes Targeted Simplification of EU Financial Services Rule

On June 2, 2025, the Polish Financial Supervisory Authority (KNF) announced that it had submitted a package of proposals intended to simplify regulatory frameworks across the EU financial services sector to the EU member states, the European Commission and other institutions within the EU Financial Services Committee. These proposals form part of a broader initiative led by the Polish Ministry of Finance, which aims to harmonise and streamline EU regulations to support the competitiveness of the European Union’s economy, including that of Poland.
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Regulatory Influencer: AML Compliance Is Key Under Hong Kong’s Stablecoins Ordinance

Under Hong Kong’s new Stablecoins Ordinance, another milestone in the global trend towards regulating digital assets in the same way as traditional financial services, any person who issues stablecoins referencing an official currency must obtain a licence from the Hong Kong Monetary Authority (HKMA).
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Norwegian Consumer Council Reports Klarna For Breaching Regulatory Requirements

In a submission to the Norwegian Consumer Authority, the consumer advocacy group has accused the Swedish fintech firm of repeatedly violating Norway’s credit marketing regulations.
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Singapore To Require Offshore Crypto Firms To Be Licensed Or Cease Operations By June 2025

The Monetary Authority of Singapore (MAS) has clarified the scope of its regulatory regime for providers of digital tokens, crypto-assets used for payments.
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FCA Moves To Boost AI Use With New Sandbox

UK financial services firms will be encouraged to experiment with artificial intelligence (AI) as part of the Financial Conduct Authority’s (FCA) strategy to support economic growth through technological innovation.
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Australia Calls For Greater Collaboration In Battle Against Fraud

Businesses should join forces and share data to advance the fight against increasingly sophisticated scams, according to the Australian National Anti-Scam Centre.
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FCA Sets Out New Transparency Rules For Enforcement Investigations

The UK Financial Conduct Authority (FCA) has outlined significant changes to its enforcement rules, although it has stopped short of implementing some of the more controversial elements of its original proposal.
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Cash Mandate Moves Closer To Being Law In New York State

Retailers will not be able to refuse cash payments in New York if Governor Kathy Hochul signs off on legislation that has passed both houses of the state legislature.
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Regulatory Influencer: Canada Retail Payments Activities Act — Safeguarding of End-User Funds

This report is the third installment in a four-part series analyzing the RPAA and identifying key components of the law that PSPs should consider when doing business in Canada. This report focuses on the requirement to safeguard end-user funds.
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Regulate Smarter, Say European Players In Light Of Trump’s Deregulation

Despite the US leadership pushing for an increasingly deregulated financial services market, some payments players and politicians in Europe are adamant that standards being watered down is not the way to boost growth.
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