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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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Dutch Payments Group Calls EU’s Instant Payments Plans ’Too Broad’

The Dutch Payments Association has sent a list of concerns levied at the European Commission's instant payments proposals to Brussels.
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Payments

Chile's Internet Gambling Monopoly Battles Online Bill

Chile’s online gambling monopoly has launched a scathing attack on Chile’s attempts to pass online gambling legislation in an Economy Commission hearing.
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Gambling

New Finnish Powers Already Deterring Foreign Marketing, Says Regulator

Several gambling operators have already stopped marketing to consumers in Finland following the bolstering of enforcement powers from the start of 2023, according to the country’s regulator.
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Gambling

Biden Administration Seeks To Streamline Indian Gaming Regulations

The U.S. Department of the Interior wants to expedite the negotiation process between tribes and states on gambling compacts and make it easier for the federal government to obtain land for Native Americans.
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Gambling

Maine Seeks To Impose Harsh Restrictions On Sports-Betting Advertising

The Maine Gambling Control Unit has proposed the strictest limits on sports-betting advertising and promotions in the U.S., limiting television advertising to only during live sporting events, along with banning all television advertising of promotions and bonuses.
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Gambling

GTBank Pays Elevated UK Fine For Not Fixing Prior AML Failures

The Financial Conduct Authority has fined Guaranty Trust Bank £7.6m for serious weaknesses in its anti-money laundering (AML) systems and controls.
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Payments

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
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Vixio View: The UK’s Crypto Perimeter Clarification – Mapping the Transition to FSMA

In Consultation Paper CP26/13, the Financial Conduct Authority (FCA) adds an extra level of granularity to its plans for the cryptoasset regulatory regime, aiming to avoid edge cases and provide clarity for affected entities.
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Regulatory Influencer: Are the Americas Entering a New Phase of Risk-Based Supervision? Argentina Leads the Way

Between January and March 2026, the Argentine National Securities Commission (CNV) introduced a series of targeted reforms aimed at simplifying reporting obligations, modernising administrative procedures, and reducing regulatory burdens for investment firms.
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Experimental Legal Regime Formalises Russian Crypto Trade Settlements

New legislation may help to take decentralised finance from a workaround for sanctions to a supervised payment rail, moving cross-border payments from a legal grey area, increasing stability and reducing costs.
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Latest Proposed Rules for Bank-Issued Stablecoins in the US Introduce Fresh Challenges

The new framework signals a high-barrier, high-discretion regime that could narrow the market to a handful of systemic players that can respond to shifting regulatory demands, leaving smaller banks on the sidelines.
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Kenya’s Crypto Framework Risks Squeezing Out Local Innovation

The end of a key consultation period means the modernisation of crypto and digital assets regulation continues to advance, but strict rules could inadvertently disadvantage local start-ups and lead to capital flight and consolidation.
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Twin Announcements Signal Major Overhaul of US AML/CTF Regulation

The new proposed rulemakings aim to force a shift from static policy design to real-time operational maintenance, requiring firms to prove that their compliance frameworks actually stop illicit activity rather than just documenting it.
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Regulatory Influencer: New Zealand’s AML Levy - Privatising the Cost of Effective Supervision, A One-Off or More to Come?

The New Zealand Ministry of Justice (MoJ) has released the AML levy proposal outlining its plans to impose a charge on anti-money laundering (AML) reporting entities to fund the establishment and running of a standalone AML regulator for the country. While the AML Amendment Bill and the AML Supervisor and Levy Bill, which form the legal basis for this proposal, have yet to be passed in parliament, the levy’s stated implementation date of July 2027 could mean a costly recurring bill for AML reporting entities from next year.
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UK’s Payments Association Calls For APP Fraud Regulation To Target Digital Platforms

The industry body has called for new regulations that would impose strengthened fraud prevention standards across social media, online marketplace and instant messaging platforms operating in the UK.
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Unpacking the RBA’s Ban on Card Surcharging and New Interchange Caps

Changes to the rules on merchant card fees in Australia aim to introduce greater transparency and spur competition, and will contribute to the shifting landscape as alternative payment methods expand the variety of options.
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Regulatory Influencer: A Playbook Emerges - Convergence and Divergence in State Crypto Kiosk Regulation

In March 2026, Maine became the latest in a growing number of states to adopt legislation regulating virtual currency kiosks (crypto ATMs) in the US. Maine's law builds on emergency legislation adopted by the state in June 2025, regulating virtual currency kiosks within the state’s money transmission framework and providing additional consumer protections specific to kiosks. Elsewhere, legislation to regulate crypto kiosks and implement consumer protection measures is, at the time of writing, awaiting the governor’s signature in Florida, Kansas, and Virginia. The legislation reflects a regulatory pattern emerging across the US. States are beginning to converge on a common regulatory framework for virtual currency kiosks, addressing consumer protection concerns and fraud risks through comprehensive legislation, plugging a gap left by federal supervision, which has remained primarily focused on anti-money laundering (AML) oversight.
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