Welcome to RegZone

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

  • Metal framework

    The Insurance Distribution Directive (the “IDD”) came into force on 22 February 2016; the current deadline for transposition by member states is 23 February 2018. Recently, the European Parliament’s Economic and Monetary Affairs Committee (“ECON”) recommended that the application date of the IDD is postponed until 1 October 2018. On ...

  • Berlin, Germany
    DE

    Background On 14 September 2017, Commission Delegated Regulation (EU) 2017/1542 of 8 June 2017 was published in the Official Journal of the European Union and came into force one day later ("QI-Update-Regulation"). This Regulation amends the Delegated Regulation (EU) 2015/35 concerning the calculation of regulatory capital requirements for certain categories ...

  • office abstract

    Last week, in an effort to support a more consumer-oriented approach to the recent regulatory changes on compulsory motor third party liability (“MTPL”) insurance, the Romanian Financial Supervisory Authority (“FSA”) provided a number of clarifications. The FSA clarified that when an insured sells a vehicle, the MTPL insurer, upon receipt ...

  • The FCA has published the findings from the regulatory sandbox’s first year in operation. Background The FCA’s regulatory sandbox (sandbox) allows firms to test new products, services and business models in a live market environment whilst maintaining appropriate consumer safeguards. The sandbox was established to support the FCA’s objectives of ...

  • Frankfurt, Germany

    The German financial regulator ("BaFin" – Bundesanstalt für Finanzdienstleistungsaufsicht) has recently issued the long-awaited draft guidance (ref.: WA 42-QB 4100-2016/0005, Erwerbbarkeit von Immobilien-Gesellschaften für Immobilien-Sondervermögen, "Guidance") on what structures can be used by international and German real estate funds for downstream investments whereby such investments still continue to satisfy the ...

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RegZone Toolkit

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Future Dates

* Estimated date

  • 8 December 2017

    Deadline for responses to the European Central Bank's draft guidance to banks regarding non-performing loans.

  • *2017

    European Parliament and Council of the EU to seek to achieve political agreement on the proposed Regulation on Bank Structural Reform (ring fencing). 

  • In the course of 2017

    Next phase of the post-implementation RDR review will be published by the FCA in this year; to be followed by a subsequent third phase of the review which will consider the longer-term implications.

News Wizard

  • 17/11/2017

    FCA: Completing the application to cancel your firm’s authorisation

    FCA: Completing the application to cancel your firm’s authorisation
    News Date:
    17/11/2017
    News Text:
    FCA has published this short guide for firms.
    Support Information:
  • 17/11/2017

    EBA: EU-wide stress test

    EBA: EU-wide stress test
    News Date:
    17/11/2017
    News Text:
    EBA has published its final methodology for the 2018 EU-wide stress test, which will be formally launched in January 2018.
    Support Information:
  • 17/11/2017

    HoC Exiting the EU Committee: European Union (Withdrawal) Bill

    HoC Exiting the EU Committee: European Union (Withdrawal) Bill
    News Date:
    17/11/2017
    News Text:
    The Committee's report concludes that: the 29 March 2019 exit day would create significant difficulties if EU negotiations go down to the wire; more clarity is needed on the scope and status of retained EU law; Article 191 of the Treaty on the Functioning of the EU should be converted into domestic law as a directly effective ri...
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  • 17/11/2017

    PRA: Written statements to the PRA on ring-fencing transfer schemes

    PRA: Written statements to the PRA on ring-fencing transfer schemes
    News Date:
    17/11/2017
    News Text:
    PRA has published a webpage which provides information on how to serve it with copies of written statements to a firm’s ring-fencing transfer schemes.
    Support Information:
  • 17/11/2017

    JMLSG: Guidance revisions

    JMLSG: Guidance revisions
    News Date:
    17/11/2017
    News Text:
    JMLSG is proposing further revisions to its guidance, to take account of comments made by HMT in the context of seeking Ministerial approval of the June 2017 text and corrections relating to the new MLR and the Criminal Finances Act 2017. Responses are required by 4 December 2017.
    Support Information: