Roundup
WorldPayments Monitor — 2026-09-27
Assembled deterministically from our recent research runs and ranked by date and importance.
Previous editions
New or updated since 2026-09-20
New to this edition or changed since the last one.
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UACorrespondent Banking, Settlement & Access2026-09-28
NBU e-money e-purse value caps confirmed: UAH 5,000 non-replenishable / UAH 400,000 replenishable, tied to AML Law threshold.
- 3
US-AKLicensing, Authorisation & Market Access2026-09-28
SB 86 replaces the 2007 Uniform Money Services Act with a Model Law-aligned regime, bringing virtual-currency exchange/custody under the Alaska Money Transmitter License with a $500,000 surety bond versus $25,000 base.
- 4
US-IALicensing, Authorisation & Market Access2026-09-28
IDOB guidance letter confirms virtual-currency kiosk operators are money transmitters under Chapter 533C; two 2024/2025 statutory amendments (HF 2262 receivership-based licence suspension/revocation, and §533C.1004 digital-asset-kiosk provision, amended by SF 2296 May 2026)…
Also tracked by crypto:crypto_licensing, financial-integrity:D5
- 5
US-KYLicensing, Authorisation & Market Access2026-09-28
SB 189 creates a standalone virtual-currency-kiosk operator licence (new KRS Ch. 286 Subtitle 13), separate from the general MTL, effective 30 April 2027.
- 6
US-NMLicensing, Authorisation & Market Access2026-09-28
NM has no standalone EMI/PI regime; money transmission (including virtual currency exchange) licensed under the Uniform Money Services Act, NMSA 1978 Ch. 58 Art. 32, by the Financial Institutions Division.
- 7
UYLicensing, Authorisation & Market Access2026-09-28
BCU finalised comprehensive VASP authorisation regime (Res. SSF 2026-444) and published its 2026-2030 Payments System Roadmap, including a Board-approved draft Open Finance System bill (5 June 2026).
- 8
ZMLicensing, Authorisation & Market Access2026-09-28
National Payment System Act, 2026 and Banking and Financial Services Act, 2026 both re-legislate Zambia's payments/banking licensing perimeter.
- 9
TNLicensing, Authorisation & Market Access2026-09-25
BCT Circular No. 2026-10 (25 Sept 2026) fully resets licensing/authorisation, governance and reporting requirements for payment institutions, effective ~late December 2026.
- 10
US-COConsumer Protection & APP Fraud2026-08-12
SB26-131 (effective Aug 12, 2026) bans credit-card funding of sports-betting accounts, caps deposits at six/day, bans solicitation notifications.
Also tracked by advennt:consumer_protection
- 11
CLProduct Innovation & Market Development2026-08-01
Open Finance leg delayed a second time to July 2027; BCCh commits to public consultation strengthening instant payments for merchant use.
- 12
US-NELicensing, Authorisation & Market Access2026-07-30
LB838 bars foreign-adversary-linked applicants from MTL licensure; NDBF issued implementing certification order.
Also tracked by financial-integrity:D3
- 13
US-NYLegal & Litigation2026-07-07
S.D.N.Y. held CEA does not preempt NY gambling law as applied to Kalshi's sports-event contracts; Kalshi filed notice of appeal to Second Circuit.
Also tracked by advennt:enforcement, crypto:token_classification
- 14
US-MSLicensing, Authorisation & Market Access2026-07-01
HB1625 brings virtual currency kiosk operators under MTMA licensing; HB1596 layers new authorized-delegate disclosure and data-security obligations on all MTMA licensees, both effective 1 July 2026.
Also tracked by crypto:crypto_licensing
- 15
US-MSOperational Resilience & Critical Infrastructure2026-07-01
HB1596 requires MTMA licensees with 5,000+ customers to maintain written incident-response and business-continuity plans, with annual penetration testing and semiannual vulnerability assessments.
Also tracked by data-protection:controller_processor_duties
- 16
US-VTLicensing, Authorisation & Market Access2026-07-01
Act 142 permanently bans virtual-currency kiosks (effective 1 July 2026) and creates a new commercial-financing licensing and disclosure regime (effective 1 July 2027) under Vermont's Chapter 79 money-services framework.
Also tracked by crypto:crypto_licensing, financial-integrity:D7
- 17
US-SCLicensing, Authorisation & Market Access2026-05-19
S.163 exempts crypto mining, node operation, blockchain-software development and fiat-free crypto-to-crypto exchange from the SC money-transmitter licence; pending S.4592 would newly require a licence for virtual-currency kiosks.
Also tracked by crypto:crypto_licensing, financial-integrity:D5
- 18
IMLicensing, Authorisation & Market Access2026-04-14
FSMPB 2026 feedback statement includes e-money technical feedback and enforcement/inspection amendments across FSA08/CISA08/Insurance Act 2008/Designated Businesses Act 2015.
- 19
US-WVLicensing, Authorisation & Market Access2026-04-02
HB5353/SB887 extend money-transmission licensure to virtual-currency kiosk operators, with NMLS application deadline 2026-11-01 for licensure effective 2027-01-01.
Also tracked by crypto:crypto_licensing, financial-integrity:D5
- 20
LKConduct, Safeguarding & Financial Promotions2026-03-13
CBSL Circular No.03 of 2026 requires Boards/Senior Management of licensed Mobile Phone e-Money operators to declare FATF Recommendation 26 compliance posture.
- 21
MYOperational Resilience & Critical Infrastructure2026-03-12
BNM's Technology Requirements Policy Document introduces a four-tier proportionate cyber/tech-risk framework, 90-day gap-analysis deadline, full compliance due 12 March 2027; RMiT authentication update pushes away from SMS-OTP.
Also tracked by financial-integrity:D6
- 22
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US-NVProduct Innovation & Market Development2026-02-02
NGCB's civil enforcement against Coinbase and the 9th Circuit's affirmation of Nevada's authority over Kalshi's event contracts together exclude a payments/crypto-adjacent product line (event contracts) from the Nevada market via a gaming-regulatory, not payments-regulatory…
Also tracked by financial-integrity:D5
- 24
US-WYProduct Innovation & Market Development2026-01-07
The Frontier Stable Token (FRNT), issued by the Wyoming Stable Token Commission, launched for public purchase January 7, 2026, the first fiat-backed, fully-reserved stable token issued by a US public entity.
Also tracked by crypto:stablecoin_regime
- 25
US-MALicensing, Authorisation & Market Access2026-01-01
M.G.L. c.169B (effective 2026-01-01) brings domestic money transmission under state licensing for the first time in Massachusetts, administered by the Division of Banks via NMLS; transition deadline was 2026-07-01.
Also tracked by crypto:crypto_licensing, financial-integrity:D7
- 26
KRLicensing, Authorisation & Market Access2025-12-16
EFTA amendment (promulgated 2025-12-16) tightens PG-entity scope/registration and mandates 100% external fund segregation; core provisions effective 2026-12-17.
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IELicensing, Authorisation & Market Accessdate pending
PI/EMI sector expanded from 14 to 51 firms (2016-2023) with safeguarded funds rising from EUR726m to EUR7,820m; CBI signals increased supervisory scrutiny.
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US-DCLicensing, Authorisation & Market Accessdate pending
DC money-transmitter statute recodified from repealed Title 47 Ch.31 to Title 26 Ch.10; DISB confirmed as licensing authority including for virtual-currency kiosk/exchange businesses.
- 32
US-INLicensing, Authorisation & Market Accessdate pending
Indiana MTMA (IC 28-8-4.1) governs crypto/fiat exchange licensing with a fiat-transmission-trigger exemption boundary.
- 33
US-NVLicensing, Authorisation & Market Accessdate pending
AB 21 modernised NRS 671 money-transmission definitions (BSA cross-reference, NMLS fingerprint authority); FID treats digital custodians as potentially trust companies under NRS 669 rather than money transmitters; AB 430 (Oct 2025) removed payroll processing from the…
- 34
US-VTIndustry Structure & Commercial Dynamicsdate pending
The permanent virtual-currency-kiosk ban removes an entire category of nonbank cash-to-crypto access point from the Vermont market, following a >94% reduction in kiosk count already observed under the prior moratorium.
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GILicensing, Authorisation & Market Accessdate pending
GFSC PSP/EMI authorisation regime confirmed, no passporting for Registered E-money Issuers.
- 37
US-MTLicensing, Authorisation & Market Accessdate pending
Montana confirmed as the only US state with no money-transmitter licensing statute; federal FinCEN MSB registration is the sole applicable compliance gate.
- 38
US-MEProduct Innovation & Market Development2026-09-28
Bureau of Consumer Credit Protection published its first MTMA advisory ruling clarifying unhosted-wallet virtual-currency transmission requirements.
- 39
US-TNLicensing, Authorisation & Market Access2026-09-28
Virtual-currency kiosk operation criminalised statewide effective July 1, 2026 (PC 766), layered on top of TDFI's existing exclusion of virtual currency from MTL scope.
Also tracked by crypto:consumer_protection, financial-integrity:D5
- 40
US-TNLegal & Litigation2026-09-25
Sixth Circuit vacates Kalshi's TN preliminary injunction, deepening a circuit split with the Third Circuit over whether sports-event contracts are CEA swaps.
Also tracked by advennt:enforcement
- 41
UGLicensing, Authorisation & Market Access2026-09-14
National Payment Systems Act (Cap 59) designates BOU as licensing/supervisory authority for PSPs and EMIs; new OTC cash-withdrawal caps effective 2027-01-01 push formalisation into licensed rails.
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PALicensing, Authorisation & Market Access2026-01-27
Draft Law No. 314 would create Panama's first dedicated PSP/EMI/VASP licensing framework under joint SBP/UAF supervision; SBP Rule 1-2026 tightens AML/CFT onboarding documentation in the interim.
Also tracked by financial-integrity:D5
- 45
LULicensing, Authorisation & Market Access2026-01-20
CSSF Circular 26/906 consolidates governance framework for PIs/EMIs/AISPs, effective 30 June 2026; Paytm Europe Payments obtained a CSSF PI licence.
- 46
US-NJLicensing, Authorisation & Market Access2026-09-28
NJ money transmitters operate under the general Money Transmitters Act; a pending Digital Asset and Blockchain Technology Act (A3454) would create a distinct state digital-asset licence, administration disputed between Bureau of Securities (bill text) and DOBI (secondary…
- 47
US-OKLicensing, Authorisation & Market Access2026-09-28
HB 3521 repeals and recodifies OK's MT statute at 6 O.S. §1551 et seq. effective Nov 1 2026; SB 1083 already requires digital-asset kiosk MT licensure since Nov 2025; HB 3594 exempts miners/stakers/node operators.
Also tracked by financial-integrity:D5
- 48
US-WYLicensing, Authorisation & Market Access2026-09-28
SF0055 (2026) amended the SPDI Act's capital, charter-application, business-commencement, supervision-fee and resolution-fund provisions; the Banking Board has approved four SPDI charters; the Select Committee is drafting reciprocity legislation and reviewing HB0075…
Also tracked by crypto:crypto_licensing, financial-integrity:D5
- 49
ZAOperational Resilience & Critical Infrastructure2026-09-28
SARB's 2030 payments strategy elevates payments as a core financial-stability pillar; SARB publicly committed no disruption to everyday payment services during the PASA transition.
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US-LALicensing, Authorisation & Market Access2026-07-01
Louisiana Money Transmission Act (Act 888/HB 1230) replaces legacy 1966 statute, effective 2026-07-01, adopting CSBS Model Act framework with NMLS-integrated OFI supervision.
Also tracked by financial-integrity:D7
- 52
US-VALicensing, Authorisation & Market Access2026-07-01
Chapter 19.1 (MTMA) replaced Virginia's legacy money-transmitter statute effective July 1, 2026, revising net-worth, surety-bond, control-threshold and reporting standards; existing licensees automatically deemed licensed.
Also tracked by crypto:crypto_licensing, financial-integrity:D7
- 53
US-IDLicensing, Authorisation & Market Access2026-03-26
S1440 would layer a state excise tax on international money transmissions atop existing MTL licensing; stalled in committee this session.
Also tracked by crypto:cross_border_transfer, financial-integrity:D7
- 54
BGLicensing, Authorisation & Market Access2026-01-01
Bulgaria joined the euro area 1 January 2026; BNB became full Eurosystem shareholder.
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US-FLLicensing, Authorisation & Market Access2026-09-28
HB 505 extends Chapter 560 licensing perimeter to crypto-kiosk operators.
Also tracked by crypto:crypto_licensing
- 57
US-RILicensing, Authorisation & Market Access2026-09-28
RI Division of Banking is adopting nationwide CSBS Money Transmission Modernization Act standards, requiring audited financial statements for new currency-transmitter licence applications.
- 58
AROperational Resilience & Critical Infrastructure2026-08-27
BCRA Com. 'A' 8471 imposes binding fraud-risk-management obligations, phased through Sept 2027.
- 59
THLicensing, Authorisation & Market Access2026-07-23
BOT draft Digital Channel Security Notification extends security requirements to internet banking and credit-card providers; new fee-standardisation notification.
- 60
LVLicensing, Authorisation & Market Access2026-07-08
Latvijas Banka's EMI/PI licensing pipeline is accelerating (12 licensed EMIs, 10 licensed PIs mid-2026; 4 EMI + 5 PI licences issued in 2026 to date vs 3 EMI for all 2025); a new EUR 1m specialised banking licence launched Jan 2026 as a lower-capital market-access route.
- 61
NZLicensing, Authorisation & Market Access2026-07-01
FMA became sole conduct regulator for consumer credit (CCCFA) from 1 July 2026, replacing Commerce Commission certification with FMA market-services licensing under the FMC Act.
- 62
GG-ALDConduct, Safeguarding & Financial Promotions2026-06-04
£450k penalty (June 2026) and 'failure to prevent' corporate offences show conduct enforcement intensifying.
- 63
ARLicensing, Authorisation & Market Access2026-05-06
BCRA created the new 'PSPCP como Servicio' embedded-finance category via Com. 'A' 8432/2026.
- 64
GG-ALDLegal & Litigation2026-04-24
£1.96m Utmost Worldwide fine (March 2026) is the largest GFSC sanction on record, following the £455k Equiom fine (2024).
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US-OHLicensing, Authorisation & Market Access2026-03-18
New OMTA licensee (OwlTing) and pending HB648 kiosk-registration bill.
Also tracked by crypto:consumer_protection
- 67
SEPayment Corridor Dynamicsdate pending
Riksbank sets March 2027 deadline for instant A2A payments or faces IPR-style legislation; Nordic NOLO scheme expected November 2026.
- 68
KZLicensing, Authorisation & Market Access2026-09-28
First-category payment organisation licensing regime commences October 2026 under NBK, permitting non-bank entities to hold accounts and issue cards while barred from deposits/lending.
- 69
US-AZConsumer Protection & APP Fraud2026-09-28
Arizona's Cryptocurrency Kiosk License Fraud Prevention Law imposes daily transaction caps, mandatory fraud warnings, receipt issuance, and a 30-day operator-refund obligation; AG's office reports active victim recoveries and a streamlined online reporting form.
- 70
US-AZLicensing, Authorisation & Market Access2026-09-28
Arizona adopted the CSBS Model Money Transmission Modernization Act via SB1580, standardizing multistate licensing coordination through NMLS under A.R.S. Title 6, Chapter 12.
- 71
AFRCorrespondent Banking, Settlement & Access2026-09-14
PAPSS reports 92-95% cost savings and up to 80% FX-requirement reduction versus correspondent-banking-dependent settlement.
- 72
GG-ALDProduct Innovation & Market Development2026-08-06
New Finance Sector Concierge role, further Sandbox licensing, and Alderney data-centre EOI mark active growth agenda.
- 73
NZProduct Innovation & Market Development2026-07-03
MBIE payment-services regulation consultation, exploring a possible consolidated payments-licensing regime for non-bank PSPs, closed 3 July 2026.
- 74
GG-ALDStablecoins & Digital Money2026-07-01
July 2026 tokenisation guidance and prudential stablecoin treatment for banks; dedicated statute still only signalled.
- 75
CAProduct Innovation & Market Development2026-06-27
Consumer-Driven Banking Act re-enacted via Bill C-15 (Royal Assent Mar 26 2026), oversight shifted from FCAC to Bank of Canada; proposed Regulations in consultation June 27-Aug 26 2026. Phase 1 (read access) targeted 2026; Phase 2 (write/payments) mid-2027 contingent on…
- 76
US-NYLicensing, Authorisation & Market Access2026-06-09
NYDFS proposed 23 NYCRR Part 202 for Authorized Payment Stablecoin Issuers, aligning with the federal GENIUS Act.
Also tracked by crypto:stablecoin_regime
- 77
MXOperational Resilience & Critical Infrastructure2026-01-01
Banxico Circular 9/2026 (amending Circular 14/2017) mandates standardised, simplified UX for mobile SPEI transfers with a 14 December 2026 compliance deadline; introduces a new 'Nivel 2 Bis' account tier permitting up to 15,000 UDIs/month without an RFC.
- 78
US-COLicensing, Authorisation & Market Access2025-12-18
MTMA (HB25-1201) governs virtual-currency money transmission per Dec 2025 interim guidance, with new financial thresholds replacing legacy net-worth/bond requirements.
Also tracked by crypto:crypto_licensing, financial-integrity:D5
- 79
THProduct Innovation & Market Development2025-12-01
BOT stablecoin sandbox expanded; SEC opened stablecoin transfer-control consultation; Travel Rule scheduled for 27 Feb 2027.
- 80
DKProduct Innovation & Market Development2025-11-01
Vipps MobilePay launched in-store contactless payments in Denmark (Nov 2025).
- 81
BEOperational Resilience & Critical Infrastructure2025-10-09
CEC completed the SEPA Instant Payments Regulation build-out in 2025: mandatory receipt from 9 January 2025, mandatory sending from 9 October 2025, with centrally-provided Verification of Payee introduced 9 October 2025. NBB's 2026 oversight priority is monitoring SIPS…
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SIOperational Resilience & Critical Infrastructure2025-10-09
EU Instant Payments Regulation full roll-out reached Slovenian banks; SCT Inst mandatory alongside domestic FLIK/BIPS scheme.
- 84
AGConsumer Protection & APP Frauddate pending
ONDCP August 2025 fraud advisory on account-compromise/top-up scams.
- 85
AGProduct Innovation & Market Developmentdate pending
PSSA sandbox provisions plus CAPSS pilot expansion; DCash 2.0 track paused.
- 86
BZConsumer Protection & APP Frauddate pending
Baseline established: sectoral complaints channels plus general Ombudsman Act redress; no APP-fraud reimbursement regime.
- 87
BZConduct, Safeguarding & Financial Promotionsdate pending
Baseline established: conduct oversight split between CBB complaints channel and FSC virtual-asset promotion enforcement.
- 88
CA-NBLicensing, Authorisation & Market Accessdate pending
RPAA registration and core operational-risk/safeguarding provisions in force; PSP registry live.
- 89
GG-ALDConsumer Protection & APP Frauddate pending
July 2026 Crown Dependencies APP-fraud framework is early-stage with no enforceable rules or timeline yet.
- 90
GG-ALDLicensing, Authorisation & Market Accessdate pending
Sectoral licensing perimeter (banking law, LCF/VASP law, enforcement law) confirmed with active Innovation Sandbox uptake.
- 91
GG-ALDPayment Corridor Dynamicsdate pending
Direct SEPA membership since 2016 plus correspondent-based sterling/USD corridors.
- 92
KMOperational Resilience & Critical Infrastructuredate pending
National Interoperable Payment Switch live since Aug 2025; ATS+ planned to absorb SYCOCO.
- 93
KMScheme & Network Compliancedate pending
Nascent card/POS infrastructure; no domestic scheme rulebook identified.
- 94
KMPayment Corridor Dynamicsdate pending
Remittance dependency >20% of GDP; SADC-RTGS membership confirmed, PAPSS status unconfirmed.
- 95
MHConduct, Safeguarding & Promotionsdate pending
Baseline established: AML-linked conduct rules under Banking Act 1987 (USD10k CTR, shell-bank ban); no dedicated financial-promotions statute, enforcement externalised (e.g. UK FCA warning).
- 96
MHOperational Resilience & Critical Infrastructuredate pending
Baseline established: no enacted cyber/critical-infrastructure statute; closed-loop domestic card network and power-outage exposure drive operational fragility.
- 97
MHScheme & Network Compliancedate pending
Baseline established: no domestic scheme/PCI regime; BOMI card system operates outside Visa/Mastercard; Bank of Guam provides limited scheme access under US rules.
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SEOperational Resilience & Critical Infrastructuredate pending
Riksbank Payments Report 2026 pushes cash-preparedness and highlights RIX-INST resilience but flags a low bank-adoption rate.
- 100
US-ORLicensing, Authorisation & Market Accessdate pending
MTL regime under ORS 717 confirmed as the operative nonbank licensing framework; HB 4116 closed a consumer-lending rate-export loophole.
Also tracked by crypto:crypto_licensing
Regulatory horizon
- AEDeFi/DEX/Web3 legal-track transition window closesclosed 2026-09quarter
- ARFraud-risk-management obligations fully effective (Com. 'A' 8471)2027-09-01quarter
- ATIBAN-name check extension to all transfer rails2027year
- AUTranche 1 exposure-draft consultation closesclosed 2026-04-09quarter
- AUePayments Code review expected2026-Q4half year
- BRSalary accounts opened to Pix Automático2027-07-01quarter
- BRHybrid boleto+Pix-QR billing regulation2027-02-01quarter
- BRActivity-based capital rule reaches full requirement2028-01half year
- CAConsumer-Driven Banking Regulations consultation closesclosed 2026-08-26quarter
- CAOpen banking Phase 1 (read access) targeted launch2026-Q4half year
- CARPAR tokenized-payment-instrument scope amendments commencement2027year
- CA-BCRPAA sections 99-100 and 2026 scope amendments commencement2026-Q4half year
- CA-NBPSP 2026 annual report filing deadline2027-03-31quarter
- CA-ONRPAR fully in force, no crypto unit prescribedclosed 2026-06-23quarter
- CHSIC5 full-network participation deadline2026-11-30quarter
- CIPI-SPI mandatory connection deadline2026-09-30quarter
- CLOpen Finance (SFA) full entry into force2027-07half year
- CLBCCh instant-payments consultation package expected2026-Q4half year
- CMCEMAC harmonised QR-code instant-payment standard2026-Q4half year
- COBre-B full-scale interoperability transition2026-10-06quarter
- CRSINPE Móvil business-payment tax-reporting consultation2026-Q4half year
- CZPSD3/PSR final compromise texts published, reauthorisation window expected2028-Q2year
- DEPSD3 German transposition expected2026-Q3half year
- DEPSR directly applicable EU-wide2026-Q3half year
- DOBCRD instant-payments platform (SGPI) targeted launch2027year
- DZDjezzy Payment Services final PSP licensing application due2027-09-23quarter
- EEAPSD3/PSR Official Journal publication and general application2026-Q4year
- EEAPSR safeguarding provisions early effective dateclosed 2026-05quarter
- EEAIPR Verification-of-Payee extended to non-euro-area EEA PSPs2027-07-09year
- ESPSD3/PSR national transposition for Spain2028-Q1year
- FIPSD3/PSR plenary vote and OJ publication2026-Q4half year
- FIPSD3/PSR effective application2028-Q1year
- FRMandatory ISO 20022 structured addresses for all SEPA payments2026-11-15quarter
- GG-ALDNext MONEYVAL Mutual Evaluation of Guernsey2027year
- GIBGibraltar-UK transitional passporting extension expires2026-12-31quarter
- GIBPermanent Gibraltar Authorisation Regime (GAR) operability2027year
- GIBGibraltar MONEYVAL 6th-round mutual evaluation2027year
- GIBGFSC Consumer Duty scope expansion to all retail customers2027half year
- GREuroPA retail/POS interoperability phase2027year
- HKBanking Ordinance amendment bill targeted for LegCo introduction2026-Q4half year
- HRCCD2 obligations apply to BNPL in Croatia2026-11-20quarter
- HUATM Act implementation timeline pending ministerial decree2026-Q4half year
- IDBI QRIS '17-8-45' 2026 roadmap targets2026-Q4half year
- IMFSMPB 2026 e-money/enforcement amendments finalisation2026-Q4half year
- INOffline PA authorisation deadlineclosed 2025-12-31quarter
- INMerchant CDD compliance extended deadlineclosed 2026-09-15quarter
- INRBI cross-border CBDC pilots expected2026-Q4half year
- ISIcelandic krona joins Eurosystem TIPS instant-settlement system2028multi year
- ITPSD3/PSR formal adoption pending2026-Q4half year
- ITFirst mandatory PSP reporting on IPR complianceclosed 2026-04quarter
- JPFIEA reclassification of crypto-assets as financial products2027-Q1half year
- KENational Payment System Bill 2026 public comment period closes2026-10-09quarter
- KHNBC e-wallet notification deadline2026-11-04quarter
- KREFTA amendment core provisions take effect2026-12-17quarter
- KZFirst-category payment organisation licensing commences2026-10-01quarter
- LATAMMexico Fintech Law 2.0 (Digital Asset Custodian licence, open-finance APIs)2026-Q4half year
- LATAMBrazil eFX stablecoin-exclusion compliance deadline2026-10-01quarter
- LIPSD3/PSR reform to apply to LI via EEA incorporation2027multi year
- LTEMI Verified Payments capital-adequacy restoration deadline2026-10-01quarter
- LTDraft law on EMI/PI accumulation-account capital deposits2026-Q4half year
- LUCSSF Circular 26/906 compliance deadlineclosed 2026-06-30quarter
- LUCRD VI third-country-branch authorisation requirement phases in2027-01-11quarter
- LUMandatory instant euro transfer full-obligation deadline2027-04-09quarter
- MTPSD3/PSR application merging PI/EMI licence categories2027-Q4year
- MXBanxico Circular 9/2026 compliance deadline for standardised SPEI mobile-transfer UX2026-12-14quarter
- MXLRITF automatic backstop date for gradual-declaration issuance2027-04-01half year
- MYFull CCA licensing compliance transition ends2026-12-31quarter
- MYBNM tech-risk policy full compliance deadline2027-03-12quarter
- MZPayment-system operators' 180-day adaptation deadline under Law 15/20262027-Q1quarter
- NLEU Instant Payments Regulation compliance wave for EMIs and PIs2027-04-09quarter
- NOPSD3/PSR EEA-wide entry into force expected2027-2028multi year
- NPNID linkage deadline for existing digital-wallet holders2026-10-17quarter
- NPNRB Act 2058 amendment consultation outcome2026-Q4half year
- NZKiwibank expected to join open banking API regime in stages during 20262026-Q4half year
- NZMBIE payment-services regulation consultation outcome expected2027-Q1year
- PADraft Law No. 314 fintech licensing framework pending enactment2027multi year
- PEBCRP General Payments Regulation entry into forceclosed 2026-04-01quarter
- PEBCRP payment-initiators regulation (Phase 4 open payments)2026-Q2half year
- PEBCRP TAPP platform testing and launch2026-Q3half year
- PESBS Open Finance roadmap publicationclosed 2025-Q4quarter
- PKPVARA NOC filing deadline for pre-existing VASPsclosed 2026-09-05quarter
- PKGovernment full digitisation of payments targetclosed 2026-06quarter
- PLEU Instant Payments Regulation compliance for SPI indirect access2027-01-09quarter
- PTPSD3/PSR provisional political agreementclosed 2025-11-27multi year
- QAQCB open-banking interoperability standards and unified consent model expected2026-Q4half year
- ROOCT Inst cross-border instant-payment scheme in forceclosed 2026-07-01quarter
- ROOCT Inst IT-compatibility deadline2026-11-14quarter
- RSNBS draft Law on Payment Services amendment package2026-Q4half year
- RSNBS draft interchange-fee cap amendments2026-Q4half year
- RSSEPA full PSP operational rollout2026-Q2quarter
- RUCBR crypto-market implementing-act package completion expected2026-10-31quarter
- SACMA FinTech ExPermit Instructions consultation closesclosed 2026-05-27quarter
- SERiksbank instant A2A payments deadline / potential IPR-style legislation2027-03quarter
- SENordic NOLO cross-currency payment scheme expected2026-11quarter
- SEBankgirot Dataclearingen legacy system phase-out2026-Q2quarter
- SGMAS stablecoin PSA amendment consultation closes2026-10-16quarter
- SNPI-SPI generalisation deadline for all WAEMU institutionsclosed 2026-06-30quarter
- THBOT Digital Channel Security Notification finalised2026-Q4quarter
- THBOT fee-standardisation notification full implementation2026-10quarter
- THSEC Thailand stablecoin transfer-cap consultation closesclosed 2026-09-25quarter
- THThailand digital-asset Travel Rule takes effect2027-02-27quarter
- TNBCT Circular 2026-10 enters into force2026-12-25quarter
- TRRemote-identification amendment for payment/e-money institutions in forceclosed 2026-09-04quarter
- TRMASAK large-transfer disclosure rule effectiveclosed 2026-01-01quarter
- UAENew CBUAE Law full compliance deadline for newly-in-scope entitiesclosed 2026-09-16quarter
- UAEOngoing rollout of RPSCS-replacement sub-regulations under the New CBUAE Law2026-Q4half year
- UGBOU OTC cash-withdrawal caps take effect2027-01-01quarter
- UKPSR formal consultation on APP fraud reimbursement next steps2026-Q4quarter
- US-AKSB 86 implementing regulations and tiered fee structure2027-Q1half year
- US-CADFPI DFAL second-modification implementing regulations conclude2026-Q4quarter
- US-CTConnecticut PA 25-66 virtual-currency/money-transmission amendments in forceclosed 2025-10-01quarter
- US-FLFlorida stablecoin licensing substantive provisions effective2026-10-01quarter
- US-FLFlorida crypto-kiosk registration general effect date2027-01-01quarter
- US-HIHawaii Digital Asset Charter program takes effect2027-01-01half year
- US-IDIdaho excise tax on international money transmissions (S1440)2027-Q1year
- US-ILIllinois Digital Asset Tax Act takes effect2027-01-01quarter
- US-KYSB 189 implementing regulations (Kentucky DFI)2027-Q1quarter
- US-LALouisiana MTL transition window closes2027-Q3year
- US-MAMA domestic MTL transition deadline enforcement2026-Q3quarter
- US-MEESB conversion deadline for existing MT licenseesclosed 2026-01-31quarter
- US-MEMaine kiosk-fraud Superintendent report2026-Q1quarter
- US-MIHB 5544 Money Transmission Modernization Act potential enactment2027-01-01year
- US-MNMinnesota virtual-currency kiosk prohibition takes effectclosed 2026-08-01quarter
- US-NCNC prediction-market tax provision takes effect2027-01-01quarter
- US-NDND DFI 'alternative financing products' designation under Money Brokers Act2027year
- US-NENDBF Foreign Adversary Certification Order compliance deadline2026-Q4quarter
- US-NHRSA 399-G transition-protection clause sunsetclosed 2026-01-01quarter
- US-NJNJ Digital Asset and Blockchain Technology Act (A3454) — pending licensing regime2027-Q1multi year
- US-NYNYDFS Proposed 23 NYCRR Part 202 (PPSI stablecoin framework)2026-Q4half year
- US-OHOhio HB 648 kiosk licensure and disclosure requirements2027-Q1half year
- US-OKOklahoma Money Transmission Modernization Act (HB 3521) takes effect2026-11-01quarter
- US-SCS.4592 virtual-currency-kiosk MTL requirement2027-Q1year
- US-TNVirtual-currency kiosk ban takes effectclosed 2026-07-01quarter
- US-TXTexas Strategic Bitcoin Reserve custody/liquidity-services procurement outcome2026-Q4half year
- US-UTUtah H.B. 141 international-transmission tax expected impact2027-Q1half year
- US-VTAct 142 commercial-financing licensing regime in force2027-07-01quarter
- US-WVWV virtual-currency kiosk NMLS licensure deadline2026-11-01quarter
- US-WYSPDI Act SF0055 amendments take effectclosed 2026-07-01quarter
- US-WYReciprocity legislation for multi-state SPDI licensing drafted2027-Q1half year
- USAGENIUS Act statutory backstop effective date2027-01-18half year
- USAGENIUS Act final implementing rules statutory deadlineclosed 2026-07-18quarter
- USACalifornia DFAL licensing requirement in forceclosed 2026-07-01quarter
- USACFPB revised Section 1033 rule anticipated publication2026-Q3half year
- UYBCU VASP authorisation application window opensclosed 2026-09-01quarter
- UYBCU stable virtual asset payment-system integration target2030multi year
- VNCircular 41/2025/TT-NHNN e-wallet biometric/trade-name rules take effectclosed 2026-01-01quarter
- ZASARB direct payment institution authorisation frameworkclosed 2026-09-02quarter
- ZACMA low-value cross-border payment migration to TCIB2027-03half year