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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.

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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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'Chilling' Statistics Prompt UK Lawmakers To Demand Action On Fraud

The need to do better in tackling fraud has become a consensus issue across the UK political spectrum, with Labour, Conservative and Liberal Democrat lawmakers pushing the government to expand and improve the national approach to the issue.
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Payments

Swedish Firms Facing Challenges As DORA Implementation Nears, Regulator Finds

As Sweden's financial sector gets ready for the EU’s Digital Operational Resilience Act (DORA), a report from the Swedish Financial Supervisory Authority reveals progress but highlights challenges, with payment service providers facing more obstacles than banks.
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Payments

Daily Dash: Hungary Sees Surge In Instant Credit Transfers In Q2 2024

Hungary’s central bank has reported a rise of almost 30 percent in instant credit transfers, while Canada’s financial regulator has issued a fine against a Chinese-language money service business.
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Payments

Player Advocates Maintain Concern On Operator-Imposed Limits

While U.S. operators maintain that the number of players who have individual wagering limits imposed on them is minimal, player advocates and responsible gaming advocates remain concerned about the process of those decisions.
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Gambling

Regulatory Influencer: Industry Debate Continues Over UK APP Fraud Reimbursement Cap

The UK’s Payment Systems Regulator has published a statement on the proposed Authorised Push Payment (APP) fraud reimbursement cap, along with a cost-benefit analysis of the regulator’s new APP fraud rules, based on findings from an ongoing industry consultation.
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Payments

Daily Dash: Wells Fargo In Trouble With US Regulator

A US regulator has come to a formal agreement with Wells Fargo to address deficiencies in its financial crime controls, while Cyprus’ financial watchdog has released a policy to enhance customer onboarding for crypto asset service providers.
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Payments

UK Regulator Urged To Use Consumer Duty To Improve Payment Services And Basic Banking

The UK’s Financial Services Consumer Panel has called on the Financial Conduct Authority to ensure that consumers are better informed about their financial options.
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Payments

US Legislators Push Federal Reserve To Finalise Instant Payment Rules

A group of US senators are urging the Federal Reserve to finalise rules expanding its settlement services to operate 24/7/365 to ensure faster access to funds while enhancing fraud protections and supporting smaller financial institutions.
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Payments

Finland Gambling Bosses Fear Advertising Backlash

Finland should brace itself for a advertising-driven political backlash in the months after the market opens in 2027, leading Nordic CEOs have warned.
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Gambling

Philippine IRs Blocking Chinese Guests From Online Gambling

Casino Plus, an emerging domestic online gambling heavyweight in the Philippines, is blocking access for Chinese nationals on Philippine soil after receiving requests from its integrated resort (IR) partners.
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Gambling

U.S. Lawmakers Propose Federal Oversight Of Sports Betting

With the U.S. Capitol as their backdrop, two Democratic lawmakers were joined by public health advocates on Thursday as they introduced legislation to create a federal oversight structure for state-authorized sports betting.
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Gambling

News In Brief: September 9-September 13, 2024

Flutter makes $350m Brazil acquisition, Colombian lawmakers reportedly will not support proposed Value Added Tax of 19 percent on online gambling and the UK Gambling Commission releases its 2023 annual report.
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Gambling

Australia Unveils Sweeping AML Reforms

The Anti-Money Laundering and Counter-Terrorism Financing Amendment Bill 2024 represents a major overhaul of Australia’s financial crime framework.
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Payments

US Payments Regulation In The Context Of An Election Year

The US election cycle is entering its final stretch, which is a good time to take a look at how Vixio has covered some of the key regulatory issues that have been on the agenda during the campaign season.
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Payments

Daily Dash: UK Crypto Bill Enhances Ownership Rights

New legislation in the UK looks to offer a clearer legal status and protections for crypto-assets, while eToro has reached a $1.5m settlement with a US regulator and will stop trading crypto-assets.
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Payments

US Regulator Calls For Feedback On Apple's New Tap-To-Pay Policies

Following Apple’s announcement that it will open up its payments ecosystem to third parties, the Consumer Financial Protection Bureau has asked whether the move constitutes a "meaningful shift" from the company’s former practices.
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Payments

U.S. Treasury Sanctions Gambling-Linked Cambodian Senator

The U.S. Treasury has sanctioned Cambodian mogul, senator and ruling Hun family confidante Ly Yong Phat and five associated businesses, making Ly the most senior gambling-linked political identity subject to Magnitsky sanctions in the Southeast Asia region to date.
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Gambling

New Federal Bill Seeks Ban On In-Play Betting

New federal legislation introduced in the U.S. Congress on Thursday proposes a radical redrawing of the regulated sports-betting market by banning all in-play bets, mandating affordability checks, and severely restricting marketing practices.
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Gambling

Key Political Figures In Brazil's Battle For Land-Based Gambling

As the land-based gambling Bill 2234/2022 awaits its fate in Brazil’s Senate, the same names surface time and again in debates over the future of casinos. Vixio takes a look at some key players in the Senate who could direct the fate of casinos and bingo halls in the country and, equally, who will not have a say.
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Gambling

Dutch Regulator Will Penalise Licensee Over Insufficient Information

The Netherlands Gambling Authority has placed a penalty payment order of up to €250,000 on one of its licensees for supplying inadequate information following a takeover by a foreign company.
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Gambling
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Vixio View: The FCA’s Plans Shift to Data-Led Enforcement in 2026/27

Payments firms in the UK should see greater clarity and feel less regulatory burden, but must ensure their adoption of technology enables real-time, data-led compliance that supports consumer protection and operational resilience.
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Regulatory Framework - European Union Report

This Regulatory Framework - European Union Report provides a detailed overview of European Union legislations which apply to financial services. The report contains: A legislative landscape. The authorities framework. Definitions. Upcoming legislation. A regulatory landscape.
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Middle East Conflict is Stress Testing Global Payments and Accelerating Structural Trends

The war is acting as a catalyst for increasing digitisation and data sovereignty, with efficiency becoming less of a priority than resilience in the context of state-sponsored cyber targeting of critical infrastructure.
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Regulatory Influencer: The UK’s Incoming Enhanced Safeguarding Rules and Their Knock-On Effects

The UK’s Financial Conduct Authority’s (FCA) new safeguarding rules will come into effect on May 7, 2026. The upcoming changes will only relate to the interim rules introduced in the August 2025 policy statement (PS25/12) under the “Supplementary Regime”, which enhances safeguarding requirements under the Electronic Money Regulations 2011 (EMRs) and the Payment Services Regulations 2017 (PSRs).
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Vixio View: The FCA’s Payments Priorities Offer Clarity Rather Than Novelty – Except on AI

Although the priorities mostly emphasise the importance of effective execution and positive outcomes for consumers and the market, payments firms operating in the UK should note the warning that on-paper compliance is no longer enough.
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Regulatory Influencer: United States Advances Artificial Intelligence Governance Architecture for Financial Services

Rather than introducing sweeping artificial intelligence (AI) legislation, US policymakers are constructing a sector-based governance architecture for AI in financial services, built around voluntary frameworks, supervisory coordination and existing regulatory structures.
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US CBDC Ban and Stablecoin Compromise Point to Potential Digital Asset Framework

Following a Senate vote to prohibit the Federal Reserve from issuing a central bank digital currency (CBDC), an agreement on stablecoin yields has established a boundary between passive interest and activity-based rewards.
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Singapore and US Frameworks Aim to Guide the Rapid Integration of AI

The initiatives contrast in approach and intent, but together signal a transition from abstract artificial intelligence (AI) theory towards concrete regulatory implementation and sector-specific oversight.
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Regulatory Influencer: DORA Year Two - Moving from Implementation to Application

Regulation (EU) 2022/2554 on digital operational resilience for the financial sector (DORA) became applicable across EU member states on January 17, 2025. As we enter the second year of application, how has the regulation transformed the operational resilience of the financial sector in Europe?
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UK Court of Appeal Decision Means Continued Uncertainty on Interchange Fees

Permitting Visa and Mastercard to challenge the Competition Appeal Tribunal’s (CAT) previous ruling returns the UK payments sector to legal volatility, leaving the cost of card acceptance an unsettled question as regulators promote alternatives.
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