---
title: "WorldPayments Monitor Weekly Regulatory Roundup (2026-11-08) — 84 Ranked Developments & 137 Horizon Milestones"
canonical: https://payments.gi/roundup/2026-11-08/
source_html: /roundup/2026-11-08/index.html
description: "WorldPayments Monitor edition for 2026-11-08: 84 primary-source regulatory developments (LU, ZA, UK, US-NC). Top signals — LU: CSSF published a market-readiness communique (26 Oct 2026) on…; ZA: PASA PSMB recognition withdrawn;…"
generated_at: 2026-11-15T08:17:58Z
content_sha256: 88c115ea216ce5e7bb5b4e00df566e273075649cc65e878c4f3939d1604e05fd
generator: "fe-fleet/md-twin@1.0"
---
# WorldPayments Monitor Weekly Regulatory Roundup (2026-11-08) — 84 Ranked Developments & 137 Horizon Milestones

Roundup

# WorldPayments Monitor — 2026-11-08

Assembled deterministically from our recent research runs and ranked by date and importance.

Previous editions
- [Latest edition](/roundup/)
- [2026-11-01](/roundup/2026-11-01/)
- [2026-10-25](/roundup/2026-10-25/)
- [2026-10-18](/roundup/2026-10-18/)
- [2026-10-11](/roundup/2026-10-11/)
- [2026-10-04](/roundup/2026-10-04/)
- [2026-09-27](/roundup/2026-09-27/)
- [2026-09-20](/roundup/2026-09-20/)
- [2026-09-07](/roundup/2026-09-07/)

## New or updated since 2026-11-01

New to this edition or changed since the last one.

- LU · Correspondent Banking, Settlement & Access · 2026-10-26 ### CSSF published a market-readiness communique (26 Oct 2026) on EU-wide T+1 settlement effective 11 October 2027. [Commission de Surveillance du Secteur Financier](https://www.cssf.lu/en/)

- ZA · Industry Structure & Commercial Dynamics · 2026-09-02 ### PASA PSMB recognition withdrawn; SARB taking direct control; non-bank Authorisation Framework due end-Nov 2026, access from ~March 2027. [South African Reserve Bank](https://www.resbank.co.za/en/home/what-we-do/payments-and-settlements/psmb)

- UK · Operational Resilience & Critical Infrastructure · 2026-07-13 ### HM Treasury designated AWS EMEA, Google Cloud EMEA, Microsoft Ireland Operations and Oracle Corporation UK as Critical Third Parties from 13 July 2026 under SI 2026/777; FCA SYSC 15A operational-resilience mapping duties confirmed to apply to EMIs/PIs for important business… [HM Treasury / gov.uk](https://www.gov.uk/government/news/uk-financial-system-strengthened-with-new-safeguards-for-major-technology-providers)

- US-NC · Licensing, Authorisation & Market Access · 2026-07-09 ### Virtual currency kiosk operators added to NC money-transmitter licensing perimeter effective 1 Jan 2027. [North Carolina General Assembly](https://www.ncleg.gov/EnactedLegislation/SessionLaws/HTML/2025-2026/SL2026-45.html) Also tracked by crypto:crypto_licensing

- US-VT · Conduct, Safeguarding & Financial Promotions · 2026-06-16 ### Financial-privacy subchapter extended to 'regulated entities' under Act 142. [legislature.vermont.gov](https://legislature.vermont.gov/Documents/2026/Docs/ACTS/ACT142/ACT142%20As%20Enacted.pdf) Also tracked by crypto:crypto_licensing, financial-integrity:D7

- PW · Stablecoins & Digital Money · 2026-02-01 ### Draft Digital Payment System Bill proposes a Ministry-issued, 1:1 USD-pegged tokenized dollar (TD); IMF recommends AML/CFT and oversight safeguards prior to launch. Bill remains at draft/proposed stage with no commencement date. [International Monetary Fund](https://www.imf.org/-/media/files/publications/selected-issues-papers/2026/english/sipea2026010.pdf)

- KR · Conduct, Safeguarding & Financial Promotions · 2025-12-16 ### EFTA amendment (effective 2026-12-17) requires PG operators to externally manage 100% of unsettled merchant/user funds (phased 60%->80%->100%) and raises minimum capital to KRW 2 billion, following the TMON-WeMakePrice settlement-fund crisis. [Financial Services Commission (Korea)](https://www.fsc.go.kr/eng/pr010101/85857)

- AE · Consumer Protection & APP Fraud · date pending ### CBUAE RPSCS/CPR deadlines confirmed: PSP refund by end of next business day for unauthorised transactions; 7-day refund after complaint conclusion; 30 business-day complaint window and response time; exchange-house complaints resolved within 10 business days. [Central Bank of the UAE](https://rulebook.centralbank.ae/en/rulebook/article-5-business-conduct)

- GI · Licensing, Authorisation & Market Access · date pending ### SCA required on account access, electronic payment initiation or remote-channel actions implying fraud risk; standards amended 2024 [Government of Gibraltar](https://www.gibraltarlaws.gov.gi/legislations/financial-services-strong-customer-authentication-etc-technical-standards-regulations-2021-6057/version/15-04-2021/download)

- IE · Licensing, Authorisation & Market Access · date pending ### Core PI/EMI authorisation perimeter, capital tiers, Reg 42 registration exemption and absence of a formal small-PI regime recorded in full first-pass detail. [Central Bank of Ireland](https://www.centralbank.ie/regulation/industry-market-sectors/payment-institutions)

- IN · Licensing, Authorisation & Market Access · date pending ### Draft PPI Master Direction 2026 under consultation; PA capital and authorisation regime under the 2025 Master Direction remains in force. [International Financial Services Centres Authority](https://ifsca.gov.in/Document/Legal/67-the-payment-and-settlement-systems-act-200712092020034236.pdf)

- NL · Consumer Protection & APP Fraud · date pending ### Nijboer amendment confirmed eliminating the PSD2 payer excess; IPR instant-payment/VoP obligations in force since 9 Oct 2025; complaint-handling and SCA/RTS rules confirmed; no statutory APP reimbursement scheme. [Overheid.nl](https://wetten.overheid.nl/BWBR0005290/2026-10-08/0)

- US · Consumer Protection & APP Fraud · date pending ### Standing Regulation E consumer-protection and remittance-disclosure framework confirmed; Zelle/APP-fraud liability boundary (authorized vs unauthorized) remains the key open question, with no federal mandatory reimbursement scheme. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1005/6/)

- US-SC · Conduct, Safeguarding & Financial Promotions · 2026-07-01 ### Guarantee Banking Act (Act 257) enacted, restricting large banks/payment processors from non-risk-based debanking of SC customers. [South Carolina Legislature Online](https://www.scstatehouse.gov/sess126_2025-2026/bills/5538.htm) Also tracked by financial-integrity:D7

- US-PA · Licensing, Authorisation & Market Access · 2026-10-29 ### PA AG crypto-kiosk fraud warning campaign (2026-10-29); kiosk licensing bills SB1015/HB2643 remain stalled. [Pennsylvania Office of Attorney General](https://www.attorneygeneral.gov/taking-action/ag-sunday-warns-pennsylvanians-of-scams-involving-crypto-bitcoin-atms-during-national-cryptocurrency-month/) Also tracked by crypto:consumer_protection, financial-integrity:D5

- ES · Operational Resilience & Critical Infrastructure · 2026-01-22 ### DORA ICT-incident reporting regime established with 4h/24h/72h/1-month timeline for Spanish PSPs/EMIs/AISPs. [Banco de España](https://sedeelectronica.bde.es/sede/en/menu/tramites/supervision/notificacion-incidentes-graves-ciberamenazas-importantes-p314.html)

- CH · AML/CFT & Financial Crime · date pending ### AMLA/Embargo Act sanctions-compliance organisational duty and crypto Travel Rule obligations reaffirmed, sourced from the subscribed Sentinel feed. [Fedlex (Swiss Federal Chancellery)](https://fedlex.data.admin.ch/filestore/fedlex.data.admin.ch/eli/cc/1998/892_892_892/20230123/en/pdf-a/fedlex-data-admin-ch-eli-cc-1998-892_892_892-20230123-en-pdf-a.pdf) Also tracked by financial-integrity:D7

- DE · Licensing, Authorisation & Market Access · date pending ### payment institution activity [Deutsche Bundesbank](https://www.bundesbank.de/de/aufgaben/finanzaufsicht/einzelaspekte/zahlungsinstitute-und-e-geld-institute-598334)

- FR · Licensing, Authorisation & Market Access · date pending ### Standing CMF licensing regime for payment institutions, EME and simplified authorisations, including dual-licensing touchpoints with MiCA e-money tokens. [Autorité de contrôle prudentiel et de résolution (ACPR)](https://acpr.banque-france.fr/fr/professionnels/lacpr-vous-accompagne/parcours-fintech/contenus-pedagogiques/de-quel-statut-releve-mon-activite/en-savoir-plus-sur-les-etablissements-de-paiement)

- IT · Licensing, Authorisation & Market Access · date pending ### Payment/e-money institution authorisation and capital thresholds under TUB and Banca d'Italia supervisory provisions remain the standing framework; no change to thresholds this cycle. [Banca d'Italia](https://www.bancaditalia.it/compiti/vigilanza/intermediari/business-in-italia/Disposizioni-IP-capII-Autorizzazione.pdf)

- SG · Correspondent Banking, Settlement & Access · date pending ### MAS retains power under the PS Act 2019 to impose fair and non-discriminatory access on designated/MPI-operated payment systems; MEPS+, Cheque Clearing System, Inter-bank GIRO and NETS EFTPOS remain designated. [Monetary Authority of Singapore](https://www.mas.gov.sg/-/media/mas/regulations-and-financial-stability/regulations-guidance-and-licensing/payment-service-providers/guide-to-the-payment-services-act-2019.pdf)

- US-DE · Stablecoins & Digital Money · 2026-07-07 ### SB19 Payment Stablecoins Act enacted, not yet effective. [Delaware Office of the State Bank Commissioner](https://banking.delaware.gov/wp-content/uploads/sites/73/2026/08/Payroll-Processor-Notice-Aug-21-2026.pdf) Also tracked by financial-integrity:D5

- CA-NB · Licensing, Authorisation & Market Access · 2026-11-03 ### Bill S-8 (introduced 2026-11-03) would give the Minister new powers to direct FINTRAC to deny/revoke MSB registration tied to RPAA payment-service-provider registration refusal/revocation for national-security reasons, and lower the ownership threshold triggering… [Department of Finance Canada](https://www.canada.ca/en/department-finance/news/2026/11/protecting-canadians-from-financial-crimes-and-safeguarding-the-integrity-of-the-financial-and-postal-systems.html)

- US-NH · Licensing, Authorisation & Market Access · 2026-07-10 ### HB 1207 amended RSA 399-G supervision/examination/reporting provisions; MTMA transitional safe harbour (RSA 399-G:39) expired 2026-01-01. [New Hampshire Banking Department](https://www.banking.nh.gov/news-and-media/new-hampshire-banking-department-releases-guidance-hb1207-chartered-institutions-and)

- US-LA · Licensing, Authorisation & Market Access · 2026-06-15 ### Louisiana Money Transmission Act (Act 888/HB1230) replaces the Sale of Checks Act, modernizing licensing via NMLS with quarterly call reports, annual audited financials and 5-year retention. [Louisiana Office of Financial Institutions](https://ofi.la.gov/wp-content/uploads/2026/06/NonDep_2026_LMTA_LegislationFinal.pdf) Also tracked by financial-integrity:D7

- US-WV · Licensing, Authorisation & Market Access · 2026-03-14 ### HB 5353 extends WV money-transmission licensure to virtual-currency kiosk operators. [WV Legislature (HB 5353 enrolled)](https://www.wvlegislature.gov/Bill_Text_HTML/2026_SESSIONS/RS/bills/hb5353%20sub1%20enr.pdf) Also tracked by crypto:crypto_licensing, financial-integrity:D5

- US-KY · Stablecoins & Digital Money · 2026-04-13 ### Kentucky SB 189 (2026 Ky. Acts ch. 126) creates DFI licensing, bonding, transaction-limit and consumer-disclosure regime for virtual-currency kiosk operators; enacted but not yet effective (April 30, 2027). [Kentucky General Assembly — Senate Bill 189 bill record](https://apps.legislature.ky.gov/record/26rs/sb189.html) Also tracked by crypto:crypto_licensing, financial-integrity:D3

- SN · Licensing, Authorisation & Market Access · 2026-10-08 ### BCEAO Instruction n°020 amends e-money licensing/conduct rules, doubling balance ceilings and mandating PI-SPI routing. [BCEAO](https://www.bceao.int/fr/reglementations) Also tracked by financial-integrity:D7

- CA · Product Innovation & Market Development · date pending ### Bill C-15 re-enacted the Consumer-Driven Banking Act, naming the Bank of Canada as lead open-banking regulator; Payments Canada expanding Real-Time Rail membership ahead of targeted Q4 2026 launch. [Payments Canada](https://www.payments.ca/connect/membership/payment-service-provider-participation)

- EC · Operational Resilience & Critical Infrastructure · date pending ### BCE modernising the Sistema Central de Pagos for interoperability with the instant-payments network; ISO 20022 (PACS.008/PACS.002) mandated as the messaging standard, binding banks and savings/credit cooperatives, with 30 November 2026 network-adoption deadline. [Banco Central del Ecuador / JPRFM](https://www.bce.fin.ec/storage/JPRFM/resoluciones/JPRFM-2026-029-M.pdf)

- SE · Operational Resilience & Critical Infrastructure · 2026-10-01 ### RBFS 2025:1 payment-statistics reporting regulation entered into force and began to apply on 1 October 2026; RIX-INST instant-payment capacity remains available but banks have not yet begun offering non-Swish instant payments over it. [Sveriges Riksbank](https://www.riksbank.se/en-gb/press-and-published/notices-and-press-releases/notices/2025/new-regulations-on-reporting-payment-statistics/)

- US-WY · Licensing, Authorisation & Market Access · 2026-10-01 ### NYDFS-Wyoming MOU formalises interstate digital-asset supervisory coordination. [New York State Department of Financial Services](https://www.dfs.ny.gov/reports_and_publications/press_releases/pr20261001) Also tracked by financial-integrity:D3

- US-MA · Licensing, Authorisation & Market Access · 2026-10-05 ### Q3 2026 DOB enforcement bulletin: check-casher consent orders; bank consent order terminated. [Massachusetts Division of Banks](https://www.mass.gov/info-details/enforcement-actions-issued-by-the-division-of-banks)

- US-CO · Stablecoins & Digital Money · 2026-06-14 ### Banking Board Rule MO9 (eff. 2026-06-14) revises prudential standards for licensees including stablecoin/crypto-adjacent money transmitters under the Money Transmission Modernization Act; SB25-079 (eff. 2026-01-01) imposes crypto-kiosk disclosure/receipt/limit requirements. [Colorado Secretary of State](https://www.coloradosos.gov/CCR/GenerateRulePdf.do?ruleVersionId=12563) Also tracked by crypto:crypto_licensing, financial-integrity:D5

- US-MN · Licensing, Authorisation & Market Access · 2026-05-05 ### SF 3868 repeals the virtual-currency-kiosk licensing/disclosure regime and replaces it with an outright prohibition, effective 2026-08-01, with removal/payout due 2026-12-31. [Minnesota Office of the Revisor of Statutes](https://www.revisor.mn.gov/bills/94/2026/0/SF/3868/)

- US-OK · Licensing, Authorisation & Market Access · 2026-11-01 ### OMTMA (HB3521) repeals the former Financial Transaction Reporting Act and recodifies licensing at 6 O.S. §1551 et seq., effective 2026-11-01, newly requiring payment processors to hold a licence absent exemption. [Oklahoma State Banking Department](https://content.govdelivery.com/accounts/OKBD/bulletins/42f2069) Also tracked by crypto:crypto_licensing

- MT · Licensing, Authorisation & Market Access · 2026-10-01 ### New Payment Accounts Regulations and Consumer Credit Directive transposition both add compliance obligations. [Malta Financial Services Authority](https://www.mfsa.mt/wp-content/uploads/2026/10/User-Guidelines-Credit-Institutions-and-Financial-Institutions-Payment-Accounts-Regulations-2026.pdf)

- JE · Industry Structure & Commercial Dynamics · 2026-10-27 ### Competition (Mergers and Acquisitions) (Jersey) Order 2026 replaces the 2010 Order from 1 November 2026 with a mandatory turnover-based notification test. [Government of Jersey](https://www.gov.je/SiteCollectionDocuments/Industry%20and%20finance/Consultation%20Response%20Competition%20(MA)%20Jersey%20Order%20202-.pdf)

- ZM · Licensing, Authorisation & Market Access · 2026-04-08 ### National Payment System Act, 2026 (Act No. 5 of 2026) assented 8 April 2026, will repeal and replace the National Payment Systems Act Cap. [ZambiaLII](https://zambialii.org/akn/zm/act/2026/5/eng@2026-04-08)

- NP · Conduct, Safeguarding & Financial Promotions · 2026-07-25 ### 15th amendment to the Integrated Payment Systems Directive, 2082 makes National ID verification mandatory for digital wallets, with a compliance deadline of 17 October 2026. [Nepalkhabar](https://en.nepalkhabar.com/news/detail/19163/)

- CY · Licensing, Authorisation & Market Access · 2026-05-29 ### New internal-governance directives and revised licensing process (exploratory stage) at the CBC. [Politis](https://en.politis.com.cy/news/economy/1009030/stricter-internal-governance-rules-for-payment-and-e-money-institutions)

- US-NJ · Product Innovation & Market Development · 2026-10-19 ### NJ Assembly Bill A5664 (Buy Now Pay Later Act), introduced Oct 19, 2026, would require DOBI licensing of BNPL lenders with fee/interest caps, TILA-equivalent disclosure and cardholder-type claims-and-defenses protection. [LegiScan (NJ Legislature)](https://legiscan.com/NJ/bill/A5664/2026)

- CI · Stablecoins & Digital Money · 2026-10-08 ### BCEAO Instruction n°020 doubles e-money ceilings and tightens backing-asset placement rules, in force 2 Nov 2026. [BCEAO](https://www.bceao.int/fr/reglementations)

- US-NY · Stablecoins & Digital Money · 2026-07-22 ### NYDFS proposed 23 NYCRR Part 202 remains in rulemaking; comment period closed 21 September 2026, aligning the regime with the federal GENIUS Act. [New York State Department of Financial Services](https://www.dfs.ny.gov/industry-guidance/regulations/proposed-fs/rp-fs-23nycrr-202-text) Also tracked by crypto:stablecoin_regime, financial-integrity:D5

- CL · Stablecoins & Digital Money · 2026-08-05 ### BCCh confirmed an end-2026 public-consultation timeline for a staged stablecoin regulatory framework. [Banco Central de Chile](https://www.bcentral.cl/en/areas/financial-policy/informe-de-sistemas-de-pago) Also tracked by crypto:stablecoin_regime

- CA-ON · Operational Resilience & Critical Infrastructure · 2026-11-05 ### Real-Time Rail launch confirmed for November 9, 2026. [Payments Canada](https://www.payments.ca/canadas-real-time-rail-launch-confirmed-budget-2026)

- NG · Stablecoins & Digital Money · 2026-11-05 ### CBN issued new risk-based licensing framework for non-security virtual assets, stablecoins and DMTs, effective 5 Nov 2026. [Vanguard](https://www.vanguardngr.com/2026/11/cbn-updates-guidelines-for-stablecoins-operation/) Also tracked by crypto:crypto_licensing

- UG · Operational Resilience & Critical Infrastructure · 2026-11-04 ### BOU suspended RTGS/ACH for a scheduled multi-day upgrade (5-9 Nov 2026) as part of the EAC Cross-Border Payment System Masterplan. [Daily Monitor](https://www.monitor.co.ug/uganda/news/national/bank-of-uganda-to-shut-down-key-payment-systems-for-4-day-upgrade-cash-flow-disruptions-expected-5657708)

- RS · Correspondent Banking, Settlement & Access · 2026-10-30 ### ALTA banka's licence revocation and immediate suspension of card and settlement services is a material disruption to a bank-PSP's access and settlement function. [Wolf Theiss](https://www.wolftheiss.com/insights/national-bank-of-serbia-revokes-alta-bankas-banking-licence/) Also tracked by financial-integrity:D3

- TH · Stablecoins & Digital Money · 2026-09-03 ### SEC Board approved proposed stablecoin-transfer principles (3 Sept 2026); BOT opened a public hearing (19 Oct-17 Nov 2026) on THB stablecoin issuer/wallet-provider principles. [achivx.org regulatory tracker](https://achivx.org/regulation/thailand/) Also tracked by crypto:stablecoin_regime

- HK · Industry Structure & Commercial Dynamics · date pending ### Digital wallet market share and size estimates restated from baseline sources. [South China Morning Post](https://www.scmp.com/business/money/money-news/article/3307217/digital-wallets-poised-overtake-credit-cards-hong-kong-2030-report)

- BD · Licensing, Authorisation & Market Access · 2026-11-01 ### Unified FX circular (1 Nov 2026) consolidates existing directives; evidence suggests compilation rather than new licensing condition. [Dhaka Tribune](https://www.dhakatribune.com/amp/business/banks/423407/bb-issues-unified-circular-for-foreign-exchange) Also tracked by crypto:crypto_licensing, financial-integrity:D5

- MY · Operational Resilience & Critical Infrastructure · 2026-10-26 ### BNM's revised Policy Document for Electronic Trading Platforms (issued 26 Oct 2026, effective 1 Nov 2026) replaces the 2019 Framework, tightening cybersecurity, data-protection, business-continuity, monitoring, reporting and approval-renewal requirements. [Bank Negara Malaysia](https://www.bnm.gov.my/documents/20124/855632/pd_electronic+trading+platforms_oct2026.pdf)

- PH · Industry Structure & Commercial Dynamics · 2026-11-03 ### Record Q3 2026 bank profits; UnionBank/UnionDigital capital relief request. [Fintech News Philippines](https://fintechnews.ph/)

- KM-A · Licensing, Authorisation & Market Access · 2026-11-08 ### US State Dept corroborates non-recognition of Anjouan offshore financial/payments licensing bodies; Comorian banking law reserves authorisation to the Central Bank of the Comoros. [US Department of State](https://www.state.gov/reports/2026-investment-climate-statements/comoros/) Also tracked by crypto:crypto_licensing

- PT · Scheme & Network Compliance · 2026-05-20 ### Instant credit transfers reached 70.0% of PT transfer volume in Q4 2025 (up from 10.3% in Q4 2024); mandatory instant-transfer payee verification took effect 9 Oct 2025; IPR extends to PIs/EMIs from 2027. [Banco de Portugal](https://www.bportugal.pt/en/publicacao/report-payment-systems-2025)

- KM-M · Licensing, Authorisation & Market Access · 2025-12-08 ### Central Bank's standing disavowal of MISA unchanged; secondary source adds unverified prosecutor-referral detail. [Banque Centrale des Comores](https://banque-comores.km/article/show/communique-du-8-decembre-2025)

- LT · Commercial Intelligence & Fintech · 2026-11-03 ### EEA entrants increasingly acquire existing licensed EMI/PI rather than apply for new direct licence; active institution count down from 141 (2021 peak) to ~114 by mid-2026. [ADON Legal (via GlobeNewswire/Manila Times syndication)](https://www.manilatimes.net/2026/11/03/tmt-newswire/globenewswire/buy-or-build-why-fintechs-increasingly-buy-their-way-into-eea-payments-through-lithuania/2460824)

- KH · Licensing, Authorisation & Market Access · 2026-08-17 ### The NBC's 90-day notification deadline for single-purpose/closed-loop e-wallet issuers under Notification No. 14.026.1075 (6 Aug 2026) expired 4 Nov 2026, within this cycle's window; issuers above the Article 20(2) thresholds must instead pursue a full PSI licence. [DFDL](https://www.dfdl.com/insights/legal-and-tax-updates/cambodia-e-wallet-nbc-notification-rules/)

- US-OR · Licensing, Authorisation & Market Access · 2026-07-27 ### DFR draft Bulletin No. DFR 2026-X would require nonbank BNPL providers and service providers to obtain Oregon lending licenses under an expansive agent/broker/facilitator reading. [Payments Dive](https://www.paymentsdive.com/news/oregon-proposes-bnpl-rules/825792/)

- ID · Operational Resilience & Critical Infrastructure · 2026-10-29 ### PBI 10/2026 Payment System Data Governance issued 29 Oct 2026. [Veritask](https://veritask.ai/en/artikel/payment-system-data-governance-under-bank-indonesia-regulation-no-10-of-2026)

- APAC · Payment Corridor Dynamics · date pending ### Project Nexus central banks (India, Malaysia, Philippines, Singapore, Thailand) formed Nexus Global Payments as a legal entity, production planned 2027; Alipay+-UPI linkage talks reported; mBridge moving from PoC toward operational wholesale CBDC settlement. [Source Code (sourcecode.com.au)](https://www.sourcecode.com.au/blog/instant-corridor-apac-cross-border-payments-bank-relevance)

- NO · Commercial Intelligence & Fintech · date pending ### Vipps MobilePay JV, brand unification and DNB headcount restructuring surfaced this cycle. [Sorporten.no](https://www.sorporten.no/nyheter/vipps-europeisk-betalingsnettverk-130-millioner-2026)

- RO · Scheme & Network Compliance · date pending ### BNR Ordinul nr. 3/2026 integrates OCT Inst scheme into Romania's interbank settlement system; TIPS participants must notify BNR and demonstrate message/protocol compatibility by 14 November 2026. [Dragne & Asociatii](https://www.dragne.ro/ro/noi-reguli-pentru-plati-instant-internationale/)

- LA · Licensing, Authorisation & Market Access · 2026-07-31 ### BOL suspension of new non-bank financial institution (microfinance/pawnshop) licensing in Vientiane since 31 July 2026 continues; reopening expected around end-2026 under a revised framework. [The Star (AseanPlus)](https://www.thestar.com.my/aseanplus/aseanplus-news/2026/08/06/lao-central-bank-pauses-new-microfinance-licences)

- VN · Licensing, Authorisation & Market Access · 2026-07-27 ### SBV draft decree (27 Jul 2026) amending Decree 52/2024/ND-CP proposes relaxed IPS documentation, faster processing, partial-licence-revocation mechanism, and a foreign-provider connection route via licensed international financial switching services; remains unadopted. [Mondaq / Tilleke & Gibbins](https://www.mondaq.com/financial-services/1829382/vietnams-draft-decree-on-non-cash-payments-would-relax-requirements-for-ips-providers)

- PK · Stablecoins & Digital Money · 2026-04-01 ### SBP Circular No. 10 of 2026 permits banks to open accounts for PVARA-licensed VASPs. [PK Tags](https://pktags.com/virtual-assets-act-2026-how-pakistan-is-regulating-crypto-complete-guide/)

- CR · Operational Resilience & Critical Infrastructure · 2026-11-08 ### BCCR approved a 36-month quantum-resilience hardening project for SINPE. [Diario Extra](https://www.diarioextra.com/noticia/avance-tecnologico-amenazaria-seguridad-del-bccr-y-sistema-de-pagos/)

- IS · Product Innovation & Market Development · 2026-11-04 ### Central Bank of Iceland is developing a domestic account-to-account payment alternative for in-store and online merchant payments, with the Central Bank publishing common rules and technical infrastructure while banks and payment firms build apps and services, as part of a… [Payment Expert](https://paymentexpert.com/2026/11/04/iceland-payment-sovereignty-a2a/)

- QA · Operational Resilience & Critical Infrastructure · 2026-10-31 ### QCB Data Handling and Protection Regulation (Feb 2025) requires QCB-supervised institutions to keep the primary storage/processing environment for personal, sensitive personal and sensitive financial data inside Qatar; offshore primary environment requires explicit prior QCB… [Gulf Times](https://www.gulf-times.com/article/737122/qatar/data-residency-rules-reshape-payment-technology-in-qatar-and-the-gulf)

- CA-TFN · Commercial Intelligence & Fintech · 2026-10-22 ### New TPMA prediction-market permit regime launched, requiring crypto/stablecoin-capable settlement, KYC/AML/CTF and blockchain transaction monitoring. [RG.org](https://rg.org/en-ca/news/gambling-industry/tobique-first-nation-prediction-markets-act-tpma-permits) Also tracked by advennt:licensing_and_regulation, crypto:crypto_licensing, data-protection:regulator_and_framework, financial-integrity:D3

- US-MD · Legal & Litigation · 2026-10-22 ### EarnIn v. Maryland AG/OFR First Amendment challenge to SB 94 EWA tip-solicitation ban, filed 2026-10-22. [American Banker](https://www.americanbanker.com/payments/news/ewa-fintech-earnin-evokes-constitution-in-fight-over-tips)

- GH · Operational Resilience & Critical Infrastructure · 2026-10-13 ### BoG Governor publicly renewed calls for stronger regulation of digital payment systems, naming technology platforms, software providers and data-centre operators as falling partly outside direct central-bank supervision. [Ghanaian Times (via AllAfrica)](https://allafrica.com/stories/202610130257.html)

- BE · Product Innovation & Market Development · 2026-09-14 ### PSD3/PSR package progressing toward EU adoption; Belgian EMIs anticipate reauthorisation as payment institutions. [payments.gi](https://payments.gi/jurisdictions/belgium/)

- PL · Stablecoins & Digital Money · 2026-09-04 ### Sejm failed to override veto of Crypto-Asset Market Act on 2026-09-04; KNF remains confined to EMT-issuer competence under Art 3(1)(35)(b) MiCA. [Switalski Law](https://switalski.law/crypto-license/) Also tracked by crypto:cross_border_transfer, financial-integrity:D5

- JP · Stablecoins & Digital Money · 2026-08-24 ### The transaction/value cap on yen stablecoins issued by licensed second-category Funds Transfer Service Providers (the JPYC tier) was removed, confirmed 24 August 2026, unlocking institutional-scale yen stablecoin payments. [Tech Times](https://www.techtimes.com/articles/325431/20260825/japan-lifts-stablecoin-cap-fsas-dedicated-division-unlocks-institutional-yen-payments.htm) Also tracked by crypto:stablecoin_regime, financial-integrity:D5

- PE · Payment Corridor Dynamics · 2026-11-06 ### BCRP replaced the 2020 QR rulebook with Circular N.° 0028-2026-BCRP (Estándar QR Perú), effective 7 Nov 2026, staged compliance through April 2028. [El Peruano](https://elperuano.pe/noticia/308440-pagas-con-codigos-qr-conoce-las-nuevas-reglas-para-proteger-tus-operaciones-y-evitar-fraudes)

- US-OH · Commercial Intelligence & Fintech · 2026-11-06 ### Erebor Bank (Columbus, OH) announced a planned $100m strategic investment from SBI Holdings; reported deposits above $7bn. [Start Midwest](https://www.start-midwest.com/news/midwest-startup-funding-for-the-week-ending-november-7-2026) Also tracked by crypto:commercial_activity, financial-integrity:D8

- SC · Licensing, Authorisation & Market Access · date pending ### Fusepay received final CBS PSP licence approval. [Fusepay (company blog)](https://www.fusepay.app/blog-posts/fusepay-receives-final-approval-to-operate-as-a-licensed-payment-service-provider-in-seychelles)

- BR · Payment Corridor Dynamics · 2026-09-24 ### Marco Legal do Câmbio cross-border thresholds confirmed (cash-carrying US$10,000; occasional FX US$500). [Projuris](https://www.projuris.com.br/blog/lei-14286-21/)

- KE · Licensing, Authorisation & Market Access · 2026-09-22 ### Draft National Payment System Bill 2026 would repeal the NPS Act and create 10 licensing categories plus PISP/AISP classes; CBK gains inspection and executive-removal powers. [Kenyans.co.ke](https://www.kenyans.co.ke/news/127253-cbk-proposes-new-rules-payment-providers-fintechs-and-digital-wallets?page=1)

- CM · Commercial Intelligence & Fintech · 2026-10-02 ### Orange Money/MTN MoMo interest-income report (CFA 21.5bn) is a commercial finding but not a qualifying M&A/investment/launch event within the window. [Cameroon Intelligence Report](https://www.cameroonintelligencereport.com/orange-money-and-mtn-momo-earn-cfa-21-5-billion-in-interest-on-customer-funds-held-in-banks/)

- AU · Commercial Intelligence & Fintech · 2026-10-23 ### Archa A$61m funding round and board appointment, 23 October 2026. [FinTech Australia](https://www.fintechaustralia.org.au/)

- DK · Licensing, Authorisation & Market Access · date pending ### Credit intermediary registration deadline with Finanstilsynet reported as 20 November 2026. [Chambers Practice Guides - Financial Services Regulation, Denmark](https://practiceguides.chambers.com/practice-guides/financial-services-regulation-2025/denmark/trends-and-developments)

## Regulatory horizon

- AE · [New CBUAE Law technology-enablement licensing deadline](/jurisdictions/united-arab-emirates/) · closed 2026-09-16

- AE · [Digital Dirham (CBDC) and Project Aperta follow-on development](/jurisdictions/united-arab-emirates/) · 2027

- AG · [PSSA 2025 commencement by Ministerial notice](/jurisdictions/antigua-and-barbuda/) · 2026-Q4

- APAC · [Project Nexus production go-live](/jurisdictions/asia-pacific/) · 2027

- AT · [PSD3/PSR formal EU adoption expected](/jurisdictions/austria/) · 2026-Q4

- AT · [Instant Payments Regulation sending-side compliance deadline for PI/EMI](/jurisdictions/austria/) · 2027-04-09

- BE · [PSD3/PSR formal EU adoption expected](/jurisdictions/belgium/) · 2026-Q4

- BR · [Resolução BCB 587/2026 fraud-flag contestation channel fully phased in](/jurisdictions/brazil/) · 2027-07-01

- CA · [Stablecoin Act commencement](/jurisdictions/canada/) · 2026-Q4

- CA · [Consumer-targeted fraud liability regulations](/jurisdictions/canada/) · 2027

- CA · [Consumer-Driven Banking Act regulations](/jurisdictions/canada/) · 2026-Q4

- CA · [Real-Time Rail launch](/jurisdictions/canada/) · 2026-Q4

- CA · [Proposed Consumer-Driven Banking Regulations published](/jurisdictions/canada/) · 2027-Q1

- CA · [Real-Time Rail (RTR) targeted launch](/jurisdictions/canada/) · 2026-Q4

- CA-BC · [BC Money Services Businesses Act commencement pending](/jurisdictions/canada-british-columbia/) · 2027

- CA-NB · [Stablecoin Regulations comment period closes](/jurisdictions/canada-new-brunswick/) · 2026-12-23

- CA-NB · [Stablecoin regime overall commencement expected](/jurisdictions/canada-new-brunswick/) · 2027-Q3

- CA-ON · [Real-Time Rail launch](/jurisdictions/canada-ontario/) · 2026-11-09

- CA-TFN · [TPMA Prediction Market Permit regime build-out](/jurisdictions/canada-tobique-first-nation/) · 2026-Q4

- CH · [SIC5 instant-payments phase-2 deadline for all retail SIC participants](/jurisdictions/switzerland/) · 2026-12-31

- CH · [Payment Instrument Institution licence consultation outcome](/jurisdictions/switzerland/) · 2026-Q2

- CI · [Cross-border UEMOA extension of PI-SPI tariff conditions](/jurisdictions/ivory-coast-uemoa-bloc/) · 2027-Q1

- CL · [BCCh stablecoin regulatory proposal to public consultation](/jurisdictions/chile/) · 2026-Q4

- CO · [Bre-B roadmap: QR and request-to-pay features](/jurisdictions/colombia/) · 2026-Q2

- CO · [Bre-B roadmap: P2G/G2P and recurring payments](/jurisdictions/colombia/) · 2027

- CR · [BCCR quantum-resilience SINPE project completion](/jurisdictions/costa-rica/) · 2029-09

- CR · [QR-code SINPE Movil pilots expected](/jurisdictions/costa-rica/) · 2028

- CY · [CBC internal-governance directives (K.Δ.Π. 245/246-2026) full-compliance deadline](/jurisdictions/cyprus/) · 2027-Q2

- CZ · [PSD3/PSR Official Journal publication](/jurisdictions/czech-republic/) · 2026-Q4

- CZ · [CZ Verification-of-Payee obligation under Instant Payments Regulation](/jurisdictions/czech-republic/) · 2027-01-09

- DE · [VoP extension to all EEA PSPs](/jurisdictions/germany/) · 2027-07-09

- DK · [Danish credit intermediary registration deadline](/jurisdictions/denmark/) · 2026-11-20

- DZ · [Djezzy Payment Services agrément (full licence) decision expected](/jurisdictions/algeria/) · 2027-Q3

- EC · [ISO 20022 network-adoption deadline for instant payments](/jurisdictions/ecuador/) · 2026-11-30

- EEA · [PSD3/PSR expected Official Journal publication](/jurisdictions/european-economic-area/) · 2026-Q4

- ES · [PSD3/PSR recast of payment services framework](/jurisdictions/spain/) · 2026-Q2

- ES · [Deferred Verification of Payee liability extension to all channels](/jurisdictions/spain/) · 2028-Q1

- ES · [FiDA (Financial Data Access Regulation) open finance framework](/jurisdictions/spain/) · 2027-Q4

- FR · [PSD3/PSR formal adoption and Official Journal publication](/jurisdictions/france/) · 2026-Q4

- FR · [French national fraud-risk account file (Loi 2025-1058) operative](/jurisdictions/france/) · closed 2026-05

- GI · [Gibraltar Authorisation Regime (GAR) replaces interim UK-Gibraltar passporting](/jurisdictions/gibraltar/) · 2026-12-31

- GI · [GFSC Consumer Duty scope extension to all retail customers](/jurisdictions/gibraltar/) · 2026-Q4

- GIB · [Gibraltar-UK transitional passporting extension expires](/jurisdictions/gibraltar/) · 2026-12-31

- GIB · [Permanent Gibraltar Authorisation Regime (GAR) operability](/jurisdictions/gibraltar/) · 2027

- GIB · [Gibraltar MONEYVAL 6th-round mutual evaluation](/jurisdictions/gibraltar/) · 2027

- GIB · [GFSC Consumer Duty scope expansion to all retail customers](/jurisdictions/gibraltar/) · 2027

- GR · [PSD3/PSR package adopted](/jurisdictions/greece/) · closed 2026-05-05

- GR · [Instant Payments Regulation PI/EMI compliance deadline](/jurisdictions/greece/) · 2027-04-09

- GR · [Instant Payments Regulation PI/EMI compliance deadline](/jurisdictions/greece/) · 2027-04-09

- HK · [HKMA consultation on authorised payment-scam loss-sharing responsibility framework](/jurisdictions/hong-kong/) · 2026-Q2

- HK · [HKMA consultation on bank account services for higher-risk individuals](/jurisdictions/hong-kong/) · 2026-Q2

- HK · [HKMA FPS enhancement and new use-case exploration](/jurisdictions/hong-kong/) · 2026-Q4

- HK · [Project Ensemble (EnsembleTX) wholesale tokenisation pilot continuation](/jurisdictions/hong-kong/) · 2026-Q4

- IE · [PSD3/PSR formal adoption and OJEU publication](/jurisdictions/ireland/) · 2026-Q4

- IE · [Possible Irish APP fraud reimbursement legislation](/jurisdictions/ireland/) · 2027

- IE · [PSR Reg 17(2) safeguarding audit obtained per CBI direction](/jurisdictions/ireland/) · 2026-Q1

- IE · [PSD3/PSR replacing PSD2/EMD2](/jurisdictions/ireland/) · 2027-Q1

- IE · [Instant Payments Regulation non-euro-area PSP deadline](/jurisdictions/ireland/) · 2027-07-09

- IN · [RBI Authentication Mechanisms for Digital Payment Transactions Directions effective](/jurisdictions/india/) · closed 2026-04-01

- IN · [Draft PPI Master Direction 2026 consultation closed](/jurisdictions/india/) · closed 2026-05-22

- IN · [Integrated Ombudsman Scheme 2026 replaces 2021 scheme](/jurisdictions/india/) · closed 2026-07-01

- IN · [PA-P physical operator wind-up deadline](/jurisdictions/india/) · closed 2026-02-28

- IN · [UPI P2M MDR reportedly introduced](/jurisdictions/india/) · closed 2026-10-15

- IN · [UPI MDR of 0.4% on P2M payments above Rs 2,000 takes effect](/jurisdictions/india/) · closed 2026-10-15

- IN · [Cross-border CNP authentication-factor validation effective](/jurisdictions/india/) · closed 2026-04-01

- IN · [Draft Master Direction on Prepaid Payment Instruments, 2026](/jurisdictions/india/) · 2026-Q4

- IT · [Instant Payments Regulation remaining milestones](/jurisdictions/italy/) · 2027-Q1

- JE · [Draft FPPL would replace COBO consent with statutory registration](/jurisdictions/jersey/) · 2026-Q4

- KE · [Draft National Payment System Bill/Policy 2026 consultation](/jurisdictions/kenya/) · 2026-Q4

- KE · [VASP Regulations stablecoin-issuer transition deadline](/jurisdictions/kenya/) · closed 2026-11-04

- KR · [EFTA PG settlement-fund and capital amendment in force](/jurisdictions/south-korea/) · 2026-12-17

- KR · [FETA stablecoin-as-payment-instrument amendment expected](/jurisdictions/south-korea/) · 2026-Q4

- KZ · [NBK Data Showcase integration deadline](/jurisdictions/kazakhstan/) · 2027-01-01

- LA · [BOL NBFI licensing framework expected to reopen](/jurisdictions/laos/) · 2026-Q4

- LI · [ESMA wind-down expectation for non-MiCAR-compliant stablecoins](/jurisdictions/liechtenstein/) · 2027-01

- LK · [Microfinance and Credit Regulatory Authority Act, No. 9 of 2026 commencement pending](/jurisdictions/sri-lanka/) · 2027-Q1

- LT · [PSD3/PSR Official Journal publication expected](/jurisdictions/lithuania/) · 2026-Q4

- LU · [EU-wide move to T+1 securities settlement](/jurisdictions/luxembourg/) · 2027-10-11

- MT · [Consumer Credit Directive transposition enters into force](/jurisdictions/malta/) · 2026-11-20

- MX · [Banxico circular reform homologating CoDi/DiMo mobile-transfer UX expected to be finalised](/jurisdictions/mexico/) · 2026-Q4

- NL · [Instant Payments Regulation: PI/EMI compliance deadline](/jurisdictions/netherlands/) · 2027-04-09

- NL · [PSD3/PSR trilogue agreed, publication expected](/jurisdictions/netherlands/) · 2026-Q4

- NL · [EBA mandates for PSD3/PSR technical standards](/jurisdictions/netherlands/) · 2026-Q4

- NL · [FIDA open-finance framework phased implementation begins](/jurisdictions/netherlands/) · 2027

- NL · [Instant Payments Regulation - PI/EMI compliance deadline](/jurisdictions/netherlands/) · 2027-04-09

- NP · [Payment and Settlement (First Amendment) Bill, 2083 — foreign payment institution licensing route](/jurisdictions/nepal/) · 2027-Q1

- NP · [National ID wallet-verification compliance deadline](/jurisdictions/nepal/) · closed 2026-10-17

- NZ · [Commercial credit-card interchange fee cap takes effect](/jurisdictions/new-zealand/) · 2027-04-22

- PK · [Cheque payments through Easy Assignment Accounts discontinued; shift to Raast](/jurisdictions/pakistan/) · 2026-11-15

- PT · [IPR extends to payment institutions and e-money institutions](/jurisdictions/portugal/) · 2027

- PW · [Palau Draft Digital Payment System Bill - enactment pending](/jurisdictions/palau/) · 2026-Q4

- RO · [OCT Inst technical compatibility deadline for BNR-supervised instant-payments participants](/jurisdictions/romania/) · 2026-11-14

- RS · [RS draft Law on Payment Services amendment reported pending](/jurisdictions/serbia/) · 2026-Q4

- SA · [SAMA/CMA stablecoin rulebook publication pending](/jurisdictions/saudi-arabia/) · 2027-Q2

- SE · [Nordic Payments Council NOLO cross-border instant-payments framework expected](/jurisdictions/sweden/) · 2026-Q4

- SE · [Non-Swish RIX-INST instant payment launch expected](/jurisdictions/sweden/) · 2027-Q1

- SG · [FIDReC mandatory membership consultation for all SPIs/MPIs](/jurisdictions/singapore/) · 2026-Q4

- SG · [Mandatory FIDReC membership for SPIs/MPIs (incl. DPT providers)](/jurisdictions/singapore/) · 2026-Q4

- SG · [Revised audit guidelines (PS-G04) and Form 4 for payment service providers](/jurisdictions/singapore/) · 2027-06-30

- SG · [Proposed stablecoin-related PS Act amendments (Sept 2026 consultation)](/jurisdictions/singapore/) · 2027-Q2

- SK · [PSD3/PSR formal adoption expected](/jurisdictions/slovakia/) · 2026-Q4

- SN · [PI-SPI mandatory cross-border UMOA routing](/jurisdictions/senegal/) · 2027-06-01

- TH · [BOT BNPL licensing framework expected](/jurisdictions/thailand/) · 2026-12

- TH · [BOT THB stablecoin hearing closes](/jurisdictions/thailand/) · 2026-11-17

- TH · [SEC derivatives-licensing consultation closes](/jurisdictions/thailand/) · 2026-11-28

- TH · [BOT Digital Channel Security Notification consultation closes](/jurisdictions/thailand/) · closed 2026-11-06

- UAE · [New CBUAE Law full compliance deadline for newly-in-scope entities](/jurisdictions/united-arab-emirates/) · closed 2026-09-16

- UAE · [Ongoing rollout of RPSCS-replacement sub-regulations under the New CBUAE Law](/jurisdictions/united-arab-emirates/) · 2026-Q4

- US · [Louisiana debit/prepaid surcharge ban takes effect](/jurisdictions/united-states/) · closed 2026-08-01

- US-DE · [SB18 Money Transmission and Virtual Currency Modernization Act commencement](/jurisdictions/united-states-delaware/) · 2027-07-06

- US-DE · [SB19 Payment Stablecoins Act commencement](/jurisdictions/united-states-delaware/) · 2027-Q3

- US-FL · [Florida OFR public rule hearing, Rule 69W-1000.001 (Disciplinary Guidelines)](/jurisdictions/united-states-florida/) · 2026-11-17

- US-KY · [Kentucky SB 189 virtual-currency-kiosk licensing regime in force](/jurisdictions/united-states-kentucky/) · 2027-04-30

- US-MI · [Michigan Money Transmission Modernization Act (HB 5544) Senate committee action expected](/jurisdictions/united-states-michigan/) · 2027-Q1

- US-MN · [Minnesota virtual-currency kiosk removal/payout deadline](/jurisdictions/united-states-minnesota/) · 2026-12-31

- US-NC · [NC Virtual Currency Kiosk Act licensing requirement in force](/jurisdictions/united-states-north-carolina/) · 2027-01-01

- US-NC · [04 NCAC 03N implementing rules comment period closes](/jurisdictions/united-states-north-carolina/) · 2026-11-16

- US-NJ · [NJ Virtual Currency and Blockchain Regulation Act (S775) pending in Senate Commerce Committee](/jurisdictions/united-states-new-jersey/) · 2026-Q4

- US-NJ · [NJ Buy Now Pay Later Act (A5664) referred to Assembly Consumer Affairs Committee](/jurisdictions/united-states-new-jersey/) · 2026-Q4

- US-NY · [NYDFS Part 202 payment stablecoin regulation expected to align with federal GENIUS Act effective date](/jurisdictions/united-states-new-york/) · 2027-Q1

- US-OR · [Oregon DFR BNPL licensing Bulletin finalisation](/jurisdictions/united-states-oregon/) · 2026-Q4

- US-PA · [Virtual Currency Kiosk Regulation bills (SB1015/HB2643) pending](/jurisdictions/united-states-pennsylvania/) · 2026-Q4

- US-SC · [Guarantee Banking Act (Act 257) commencement](/jurisdictions/united-states-south-carolina/) · 2026-12-30

- US-UT · [Utah SB298 Programmable Money Amendments in force](/jurisdictions/united-states-utah/) · 2027-05-05

- US-VT · [Act 142 commercial-financing licensing provisions in force](/jurisdictions/united-states-vermont/) · 2027-07-01

- US-VT · [Act 142 kiosk-ban mechanics reconciliation pending](/jurisdictions/united-states-vermont/) · 2027-07-01

- USA · [GENIUS Act statutory backstop effective date](/jurisdictions/united-states/) · 2027-01-18

- USA · [GENIUS Act final implementing rules statutory deadline](/jurisdictions/united-states/) · closed 2026-07-18

- USA · [California DFAL licensing requirement in force](/jurisdictions/united-states/) · closed 2026-07-01

- USA · [CFPB revised Section 1033 rule anticipated publication](/jurisdictions/united-states/) · 2026-Q3

- UY · [BCU final circular on reinforced authentication for card/e-money payments](/jurisdictions/uruguay/) · 2026-Q4

- UY · [BCU PSAV authorisation filing deadline for existing virtual-asset operators](/jurisdictions/uruguay/) · 2027-03-31

- VN · [SBV draft decree amending Decree 52/2024/ND-CP - adoption pending](/jurisdictions/vietnam/) · 2026-Q4

- VU · [Reserve Bank of Vanuatu Act 2025 commencement pending](/jurisdictions/vanuatu/) · 2026-Q4

- ZA · [SARB non-bank Authorisation Framework publication](/jurisdictions/south-africa/) · 2026-11-30

- ZA · [Direct non-bank access to clearing/settlement rails begins](/jurisdictions/south-africa/) · 2027-Q1

- ZM · [National Payment System Act, 2026 commencement pending](/jurisdictions/zambia/) · 2027-Q2

Ranked within this monitor (per_consumer); tie-break
recency_date_desc, jid_asc, module_asc, url_asc. Index tool
1.5.0, edition policy 1.2.0.