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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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UK To Impose Mandatory Gambling Levy Of Up To 1.1 Percent

The UK government has announced plans to impose a levy of up to 1.1 percent on gross gambling yield to generate £100m to “guarantee increased, ringfenced and consistent funding to prevent and tackle gambling harm”, and confirmed earlier plans for online slots stake limits.
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Gambling

Brazil Taking Final Steps In Transition To Regulated Market

Brazil’s gambling regulator has confirmed that licensed operators will be able to migrate current players to their Brazilian platforms as a new regulatory regime kicks in on January 1.
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Gambling

France Fines Operators For Return To Player Rates

France’s National Gaming Authority has issued eight fines and one warning to operators for exceeding the return to player rate for online sports betting in the year 2022. 
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Gambling

U.S. iGaming Advocates Prepare For Uphill Battle In 2025

Despite the rapid expansion of sports betting, supporters of legalizing internet gaming have had little success opening new states as concerns over problem gambling and the cannibalization of land-based casinos have deterred all but a few legislative efforts.
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Gambling

Ontario Seeks Court Approval To Allow International Liquidity

The highest court in Ontario is set to consider whether the province’s regulated online gaming sites can legally allow local gamblers to play with people outside Canada.
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Gambling

Northern Ireland Focusing On 'Practical Changes', Advertising A Matter For DCMS

Northern Ireland’s Department for Communities hopes to issue an initial gambling industry code of practice in 2025, as pressure mounts on the UK’s Department for Digital, Culture Media & Sport (DCMS) to update the country’s advertising rules.
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Gambling

Regulatory Influencer: UK Regulators Refine Operational Resilience for Critical Third Parties

The Bank of England, Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA) have unveiled the finalised framework for operational resilience of critical third parties (CTPs) within the UK financial sector. Published in Policy Statement PS16/24, the framework establishes clear guidelines for the management and oversight of third-party services crucial to the financial system. The initiative follows extensive consultation and addresses risks tied to the growing reliance on third-party service providers.
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Payments

75 Percent Of UK Firms Use AI But Are Held Back By Regulation, Says FCA

A new survey by the Bank of England and the Financial Conduct Authority (FCA) has found that UK firms are adopting AI across a range of use cases, but remain cautious about regulatory constraints.
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Payments

Daily Dash: Dutch Authorities Urge Victims Of 'Pig Butchering' Fraud To Speak Out

In a new campaign, the Dutch Banking Association, Victim Support Netherlands and police are calling on victims of "pig butchering" scams, which combine dating fraud with investment fraud, to break their silence.
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Payments

Portugal Establishes Rules For Beneficiary Identification In Payment Transactions

The Banco de Portugal has attempted to enhance payment transparency and security by introducing new rules to identify final beneficiaries in transactions using payment references and direct debits.
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Payments

Australian Gambling Crackdowns Stalling, But Victoria On Track

Australia’s federal government and the states of New South Wales and Tasmania are walking back or delaying legislative responses to aberrant gambling, while reform leader Victoria is set to deliver a promise on carded slot machine play.
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Gambling

French Senate Backs Gambling Tax Increase

The French Senate has approved amendment 134 to the 2025 draft Social Security Finance Act that would increase taxes on certain online and brick-and-mortar gambling activities, after a similar amendment that was leaked in October was scuppered after uproar. 
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Gambling

Dutch Regulator Fines Offshore Stalwart BetOnline €1.1m

The Netherlands Gambling Authority has fined notorious offshore operator BetOnline €1.1m for illegally offering its services in the Dutch market.
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Gambling

Wave Of Class Actions Against Sweepstakes Unlikely To Break Anytime Soon

The rise of new variants of fantasy sports and sweepstakes has been perhaps the story of 2024 in U.S. gambling regulation, but a string of class-action lawsuits threaten to stall these new offerings in 2025.
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Gambling

Daily Dash: Tether Custodian Nominated For Trump Cabinet Position

President-elect Donald Trump has confirmed the nomination of Tether’s US custodian for a position in his incoming Cabinet.
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Payments

Regulatory Influencer: The UK's National Payments Vision

The UK’s Labour government has unveiled the country’s long awaited National Payments Vision, which aims to drive forward issues such as open banking and fraud prevention. As part of this, the government has heralded account-to-account payments as a way to spur innovation, reduce costs and increase choice for both consumers and merchants.
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Payments

Daily Dash: EPC Calls For Interest In Verification Of Payee Service Providers

The European Payments Council (EPC) has announced a call for interest from organisations aiming to offer routing and/or verification mechanisms services under its Verification of Payee scheme.
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Payments

European Commission Diplomatically Displeased With ECB Over Safeguarding Decision

A senior European payments policy official has insisted he is "not judging" the European Central Bank (ECB) based on its position on safeguarding accounts for payments and e-money firms.
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Payments

Pennsylvania Could Become First US State To Launch Strategic Bitcoin Reserve

With the idea of strategic Bitcoin reserves gaining traction following Donald Trump’s election victory, Pennsylvania is in the running to become the first US state to open such a reserve.
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Payments

California Wire Fraud Bill Faces Uncertain Future

Governor Gavin Newsom’s veto of a law intended to strengthen protections for elders in California represents a setback for consumer protection in the US.
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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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