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The clearer view on financial services regulation

RegZone provides you with expert analysis and daily news from the fast-changing world of European financial institution regulation.  Created by CMS regulatory lawyers for those working in banking and finance, insurance, funds and asset management and securities and derivatives.  Sign up here for events, news digest and alerts (relevant to your areas of interest).

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Latest Reports

  • Europe from space

    In outline: With the Withdrawal Agreement stand-off unresolved, the evolution of the regulatory regime for a no-deal scenario (the ND regime) continued. The flow of publications, however, has now slowed. Two further Memoranda of Understandings (MoUs) for the ND regime were concluded this week – these are between ESMA and ...

  • high rise

    The Financial Conduct Authority (“FCA”) recently released Consultation Paper CP19/4 setting out new measures set to “optimise” the Senior Managers and Certification Regime (“SMCR”). SMCR was introduced for banking firms in March 2016 and has since been introduced to the insurance sector in December 2018 and will be extended to ...

  • Europe from space

    With the three-way stand-off between Westminster, HMG and the EU still unresolved at the start of February, announcements and publications in the financial services (FS) sector naturally focused on the no-deal regulatory regime (the ND regime). Absent a change in the Article 50 notice/period or the/a Withdrawal Agreement (WA) coming ...

  • City, London

    The FCA has helpfully clarified the current regulatory perimeter and how it applies to cryptoassets…but is an extension to the perimeter on the horizon? On 23 January 2019, the Financial Conduct Authority (“FCA”) published a consultation paper (CP19/3) providing new guidance and additional clarity on cryptoassets and the circumstances under ...

  • interior of building

    On 4 February 2019, the FCA issued Policy Statement (PS19/4 – Asset Management Market Study – Further Remedies), setting out their final set of rules and remedies under the long-standing Asset Management Market Study. PS19/4 is the last paper covering this major change for the asset management industry, following most ...

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Future Dates

* Estimated date

  • *Early 2019

    Possible date for formal adoption of CRR II Regulation and CRD V Directive.

  • *29 March 2019

    Start of Brexit transition period

  • *Mid 2019

    Capital Markets Union to be completed by then

News Wizard

  • 20/02/2019

    HMT: The Financial Services (Implementation of Legislation) Bill

    HMT: The Financial Services (Implementation of Legislation) Bill
    News Date:
    20/02/2019
    News Text:
    HMT has published a revised policy note, which outlines the Bill’s purpose and provides detail on the EU legislative proposals to which it would apply.
    Support Information:
  • 20/02/2019

    EIOPA: Framework for assessing conduct risk through the product lifecycle

    EIOPA: Framework for assessing conduct risk through the product lifecycle
    News Date:
    20/02/2019
    News Text:
    The framework is described as setting out a common starting point for more practical supervision of particular products, services or market segments. It covers business model and management risks; manufacturing risks; delivery risks and product management risks.
    Support Information:
  • 20/02/2019

    FCA: Payment services – authorisations and supervision

    FCA: Payment services – authorisations and supervision
    News Date:
    20/02/2019
    News Text:
    FCA has published the transcripts of two more videos in which FCA staff discuss aspects of their work with payment services firms.
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  • 20/02/2019

    FCA: Wholesale insurance brokers market study

    FCA: Wholesale insurance brokers market study
    News Date:
    20/02/2019
    News Text:
    FCA's final report states that, overall, it has not found evidence of significant levels of harm that merit the introduction of intrusive remedies. However, it cites some areas for improvement, including with regard to: firms’ management of conflicts of interest; disclosures to clients and competition issues concerning contract...
    Support Information: