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Europe Advances Plans For Real-Time Payments Connectivity With Asia

By linking its TARGET Instant Payment Settlement (TIPS) system with India and Southeast Asia, the European Central Bank (ECB) is accelerating real-time payments globally and challenging European payment service providers (PSPs) to prepare for faster flows and competitive pressures.
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Prolonged Limbo On Open Banking Leaves US Financial Sector Navigating Uncertainty

A renewed push from Democratic senators highlights how the stalled Personal Financial Data Rights (PFDR) rule is forcing banks and fintechs to rethink strategy, as shifting political priorities threaten a stable data-access framework for the long term.
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US Open Banking Rule Highlights Industry Divisions Over Data And Fees

By defining who can access consumer data, whether fees are allowed and compliance timelines, the Personal Financial Data Rights final rule (PFDR Rule) underscores continuing legal and market tensions between banks and fintech innovators.
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EBA Slams Fintechs Over Lax Compliance In New AML Risk Assessment

In its latest risk assessment, the European Banking Authority (EBA) has warned that poor practices and a lack of experience at fintechs, including payments and crypto firms, are undermining efforts to tackle financial crime.
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Maltese Regulator Proposes Updates To Corporate Governance Regulations

The Malta Financial Services Authority has announced plans to update the regulatory framework governing company service providers, which includes directorship and company secretary services.
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Payments

Charity Lotteries Bid For Legislative Protection

A coalition of charity lotteries has published a report seeking to show that the sector is among the safest forms of gambling.
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Gambling

Philippines Issues Order On POGO Ban, Confusion Remains

The Philippine President has issued a long-promised order prohibiting foreign-facing online gambling operators (POGOs) and services, but confusion remains over the status of Cagayan Economic Zone Authority licensees and B2B operations.
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Gambling

Second Trump Administration Unlikely To Revisit Wire Act Reversal

Although past transitions from Democratic to Republican administrations have led to fundamental changes in federal policy on online gambling, the second Trump administration is not expected to revisit its first-term initiative to reinterpret the Wire Act.
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Gambling

U.S. Study Cites Sports Betting’s Negative Impact On Gamblers’ Finances

Researchers have found that the rapid growth of legal sports betting across the United States has come at a financial cost for those who can least afford to gamble.
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Gambling

The Curious Case Of Portugal’s Santa Casa: How The Portuguese Lottery Found Itself In Debt To A Brazilian Cartel 

Portugal’s national lottery operator, Santa Casa da Misericórdia, found itself in hot water after an investigation by local papers discovered that it owed R$200,000 (US$35,000) to the Primeiro Comando da Capital (PCC), Brazil’s largest criminal organisation. 
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Gambling

France Launches Online Casino Consultation

France’s budget and public accounts minister officially opened the government consultation exploring the possibility of opening online casinos on Wednesday (November 6).
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Gambling

Week In Crypto: Trump Allies Promise US Strategic Bitcoin Reserve

Following Donald Trump’s victory in the US presidential election, a US senator believes that their bill to create a US Strategic Bitcoin Reserve is destined to succeed.
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Payments

Hong Kong Aims To Tighten Direct Debit Protections In New Circular

The Hong Kong Monetary Authority has issued guidelines addressing the responsibilities of banks regarding payment card direct debit authorisations.
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Payments

Daily Dash: UK's FCA Secures Convictions In £1.5M Crypto Fraud

The UK’s Financial Conduct Authority (FCA) has secured convictions against two individuals involved in a £1.5m cryptocurrency investment fraud, while Swiss bank UBS has developed and successfully piloted a blockchain-based payment solution.
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Payments

News In Brief: November 4-November 8, 2024

An increasing number of young people in England, Scotland and Wales are gambling, the Malta Gaming Authority (MGA) awards the first batch of new ESG seals in a bid to improve the gambling industry's image and sustainability, Bovada exits Tennessee after a recent saga with a local gambling regulator, and Minnesota Running Aces cardroom and racetrack is advocating for a compromise benefiting tribal and charitable gaming.
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Gambling

Canadian Senate Approves Sports-Betting Advertising Bill

A bill opposed by the Canadian gaming industry that proposes to establish a national framework for regulating sports-betting advertising has been approved by the Senate, sending the measure to the House of Commons for further consideration.
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Gambling

'Inadequate' Dutch Online Gambling Law, Implementation Requires Urgent Changes

An evaluation of the Netherlands' online gambling law by the Ministry of Justice and Security concluded many “urgent” changes are needed to better protect consumers from gambling-related harm, including “shielding” vulnerable groups from gambling adverts.
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Gambling

CBDC Will 'Likely' Replace Stablecoins In Digital Asset Markets, Says US Treasury

The US Treasury has claimed that stablecoins will "likely" need to be replaced by central bank digital currency (CBDC) to ensure the safety and soundness of digital asset markets.
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Payments

Lithuania Makes New EU Proposals For Fintech Access To Payment Systems

The member state’s delegation to the European Council recommends a greater degree of flexibility in the rules covering safeguarding and non-bank payment service providers’ use of client funds to ensure liquidity.
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Payments

Finland's Future Market Threatened By Affiliate Crackdown

Finnish gambling stakeholders worry that the country's revamped market will not be able to maintain strong channelisation if the government implements a ban on traditional affiliate marketing.
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Gambling

Operators Quizzed On Suppliers' Offshore Activity

Licensed operators are increasingly being asked if their suppliers also service the black market, evidenced most recently at a gathering of Nordic gambling executives.
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Gambling

UK Charity Unveils Plan To Help Banks Tackle Gambling Harms

A UK centre of expertise on money and mental health problems has developed a new three-year plan to help banks tackle gambling harms and released new research on the role they play in tackling gambling harms.
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Gambling

US Mega Banks Signal Potential CFPB Litigation Over Zelle Complaints

Three of the largest banks in the US, which collectively account for 73 percent of Zelle transactions, have disclosed that they are gearing up for a potential legal battle with the country’s consumer financial regulator.
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Payments

UK Banks And Mobile Providers Collaborate On New APP Fraud Prevention Tool

UK Finance and the Global System for Mobile Communications Association have launched Scam Signal, a joint solution that brings together leading UK mobile operators and banks.
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Payments
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Is the Digital Banking Licence the Answer to Nigeria’s Lending Struggles?

The Central Bank of Nigeria’s (CBN) fintech report outlines the country’s readiness to align financial innovation with market-friendly regulations, aiming to create long-term opportunities for digital lenders.
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Vixio’s Verdict: The UK Financial Conduct Authority’s Case Against HTX — Setting the Precedent for Extraterritorial Regulatory Action

On February 10, 2026, the UK’s Financial Conduct Authority (FCA) published its legal proceedings, which it had filed on October 21, 2025, against Panama-incorporated crypto exchange HTX (formerly Huobi Global) for illegal, continued promotion of services to UK consumers.
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Regulatory Influencer: The EU AI Act - From Principles-Based Guidance to Sector-Specific Supervision

The European Union’s AI Act, Regulation (EU) 2024/1689, represents the first comprehensive, binding framework for the development, deployment and use of artificial intelligence across the European Union. Having entered into force on August 1, 2024, the regulation is subject to a phased implementation timetable. While certain provisions are already applicable, the majority of obligations most relevant to the financial services sector are scheduled to apply from 2026. As a result, financial services firms have a narrowing window to assess their AI use cases, align governance frameworks and prepare for supervisory scrutiny.
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Vixio's Verdict: Unpacking the EU Anti-Money Laundering Authority's Future Plans

On February 4, 2026, the EU’s Anti-Money Laundering Authority (AMLA) published its single programming document (SPD) for 2026-2028, its first multi-year plan. Published at a critical juncture in AMLA’s operation, with the institution seeking to deliver upon its core mandates, this analysis will examine the SPD and look at its implications for impacted firms, as well as provide Vixio’s initial response to AMLA’s plans.
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Guarding the Rails: Payments Infrastructure Sovereignty In A Fragmenting World

Growing geopolitical tensions are forcing countries to reassess their critical national infrastructure, with growing political focus on the sovereignty of domestic payment rails.
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BRICS’ Digital Currency Plans Aim to Reshape Cross-Border Payments

In considering linking their central bank digital currencies (CBDCs), the BRICS economies are seeking to redesign global financial plumbing to reflect the bloc’s growing weight in the world economy.
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Regulatory Influencer: Earned Wage Access in Flux in the US - Navigating CFPB Guidance and State Divergence

On December 23, 2025, the Consumer Financial Protection Bureau (CFPB) issued an advisory opinion to resolve regulatory uncertainty surrounding the applicability of the definition of “credit” under the Truth in Lending Act (TILA) and its implementing regulation, Regulation Z, to Earned Wage Access (EWA) products.
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India's New Data Protection Regime To Transform Compliance Landscape

In November 2025, India’s Ministry of Electronics and Information Technology operationalised the Digital Personal Data Protection Rules 2025 (DPDP), bringing the Digital Personal Data Protection Act 2023 into a unified, citizen-centred framework.
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Australia Set To Bring Digital Asset Platforms Under Full Financial Services Regulation

Australia is poised for a significant regulatory shift in 2026 as the government moves to integrate digital asset and tokenised custody platforms into the existing financial services framework.
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Singapore And Malaysia Lead The Charge On AI Regulation in Asia-Pacific

Artificial intelligence (AI) regulation is accelerating across Asia-Pacific, as supervisors respond to rapid uptake of machine-learning models in credit, fraud detection and customer engagement.
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