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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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Klarna Under Pressure As Netherlands Moves To Limit In-Store BNPL

Dutch government ministers have asked buy now, pay later (BNPL) providers to refrain from offering their services in physical stores, due to concerns of over-indebtedness among the young and vulnerable.
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Payments

UK BNPL Providers Prepare To Finally Get Regulated

The UK government is set to introduce long-anticipated legislation targeting buy now, pay later (BNPL) providers and agreements, and firms — among the biggest cheerleaders for more legal oversight — must ready themselves.
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Payments

Fraud Surges In Ireland, But Remains Lower Than EU Average

Ireland’s central bank has released new fraud statistics as the government commits to a variety of measures to deal with payments fraud.
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Payments

New South Wales Bans Gambling Ads On Public Transport

Amid Australian government inaction on gambling advertising reform, the New South Wales state government has announced a complete ban on gambling advertising for public transport facilities, to be phased in over 12 months.
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Gambling

Pennsylvania Industry Anxious As Skill-Game Bills Back On Legislative Agenda

Pennsylvania lawmakers begin their new legislative session on Monday, with top Republican Senate leaders calling for the regulation and taxation of skill-game devices that provide an increasing competitive threat to the state's established gaming industry.
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Gambling

Use Of Welfare Funds For Gambling Remains Policy Focus In Brazil

Brazilian policymakers continue to grapple with how to restrict the use of welfare funds for online betting, amid broader societal concerns over banking privacy.
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Gambling

Trump Executive Order Kills CBDCs, Boosts Stablecoins

President Trump has issued an executive order that prohibits the US government from issuing a central bank digital currency (CBDC). He has also reset the legislative agenda on digital assets, including stablecoins.
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Payments

North Dakota Bill Requires Crypto ATM Operators To Reimburse APP Fraud Victims

Republican lawmakers in North Dakota have introduced a first-of-its-kind bill that will make crypto ATM operators liable for certain payments to scammers made via their platforms.
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Payments

Daily Dash: Swedish Regulator Targets Payments And Crypto AML In 2025

Sweden’s Finansinspektionen has announced its supervisory priorities for 2025, placing a strong emphasis on anti-money laundering (AML) and fraud prevention.
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Payments

New York Watchdog Hits PayPal With $2m Penalty Over Cybersecurity Failures

The New York State Department of Financial Services has taken enforcement action against online payments giant PayPal for violations of the state's Cybersecurity Regulation.
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Payments

Dutch Government Seeks To Break Money Laundering Impasse

The Netherlands Ministry of Finance has announced a new approach to anti-money laundering (AML) policy, while also committing to improve payments accessibility and consumer protections for buy now, pay later (BNPL) users.
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Payments

Lagos Latest Jurisdiction To Consider B2B Licences

The Lagos State Lotteries and Gaming Authority outlined plans to introduce B2B licences at ICE 2025, continuing a global trend of increased regulatory scrutiny being applied on suppliers.
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Gambling

MyBookie Latest Cease-and-Desist Target For Michigan Regulator

The Michigan Gaming Control Board continued to stake out its position as perhaps the most aggressive U.S. regulator in pursuing unregulated gaming operators, this time going after popular offshore operator MyBookie.
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Gambling

New Jersey Bill Bids To Regulate Sweepstakes; Mississippi Senator Seeks Ban

Newly-filed legislation to address sweepstakes casinos suggests state lawmakers are uncertain about whether to regulate or prohibit sweepstakes platforms, or merely subject them to further study.
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Gambling

For Spanish Gambling Ad Reform, Waiting Is Name Of The Game

Four months after the reintroduction of gambling advertising restrictions that the Supreme Court struck down via the Spanish health law, there has been no movement on the measure, despite repeated promises from regulators to introduce reforms to an industry they say is gravely in need of them.
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Gambling

News In Brief: January 20-January 24, 2025

Brazilian betting brand Esportes da Sorte receives federal licence to operate sports betting and online gaming, and the Nevada Gaming Control Board chair announces he will be stepping down.
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Gambling

Week In Crypto: New MiCA Deadline Spells Trouble For Unauthorised Stablecoins

EU regulators intervene once again to take unauthorised stablecoins off the market, Coinbase toys with delisting Tether under future US regulations, and New York warns of "memecoin" mania.
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Payments

New Company Will Drive VRP Development, Say UK Regulators

The Financial Conduct Authority and the Payment Systems Regulator have confirmed plans to establish a new company to drive forward variable recurring payments (VRPs) in the UK.
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Payments

Daily Dash: Riksbank Pushes For Enhanced Legal Protections For Cash

Sweden's rapid shift towards digital payments has left cash usage in steep decline, prompting the deputy governor of the central bank to advocate for new regulations to safeguard its status.
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Payments

Daily Dash: Fraud Social Experiment In Lithuania Reaches 'Saddest Conclusion'

The Lithuanian Banks Association has revealed alarming findings about consumer vulnerability and fraud reachability after a social experiment.
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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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