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Innovation & strategy · AnyAccount · Research · WebsiteRead insight →FinCEN withdraws two digital-asset proposals: what changed—and what did not
FinCEN has withdrawn two separate digital-asset proposals: a 2020 proposal concerning certain wallet transactions and a 2023 proposal concerning international convertible virtual currency (CVC) mixing. For banks, mone…
Crypto & digital assets · FinCEN · US · Cryptoassets · AML · Regulatory changeRead insight →Corruption Mutates. So Must AML: What Payment Firms Should Learn from Networked Financial Crime
How AnyAccount Helps At AnyAccount Ltd, we support FinTech start-ups and scaling businesses with: Regulatory and compliance strategy Governance frameworks for regulated firms Authorisation and regulatory engagement…
AML & counter-terrorist financing · Payments · AMLRead insight →The UK Is Still Forming Companies — But Almost as Many Are Disappearing
How AnyAccount Helps At AnyAccount Ltd, we support FinTech start-ups and scaling businesses with: Regulatory and compliance strategy Governance frameworks for regulated firms Authorisation and regulatory engagement…
Corporate governance & ownership · UKRead insight →FCA Safeguarding Rules Go Live: Payment and E-Money Firms Enter a More Demanding Era
How AnyAccount Helps At AnyAccount Ltd, we support FinTech start-ups and scaling businesses with: Regulatory and compliance strategy Governance frameworks for regulated firms Authorisation and regulatory engagement…
Safeguarding · FCA · UK · Payments · E-money · Safeguarding · ComplianceRead insight →Companies House Identity Verification Passes 3.7 Million Appointments; A Messy Start, But Probably the Right One
How AnyAccount Helps At AnyAccount Ltd, we support FinTech start-ups and scaling businesses with: Governance structures aligned to UK company law Companies House filings and ongoing compliance management PSC…
Corporate governance & ownership · Companies House · UKRead insight →A Smarter, Lighter-Touch FCA? A Round-Up of the Regulator’s Most Positive Changes in 2025
How AnyAccount Helps At AnyAccount Ltd, we support FinTech start-ups and scaling businesses with: Regulatory reporting strategy and optimisation End-to-end FCA returns management (REP001–REP018 and beyond) Governance…
Regulatory policy · FCA · UKRead insight →How to Choose the Right Sponsor Bank in the United States
How AnyAccount Helps At AnyAccount, our US team supports FinTech founders, MSBs and scaling payment companies with: State and federal regulatory licensing strategy, including MSB and money-transmitter frameworks Bank…
Banking & payments · USRead insight →BSA/AML Examination Manual
At AnyAccount, our US team supports FinTech founders, MSBs and scaling payment companies with: State and federal regulatory licensing strategy, including MSB and money-transmitter frameworks Bank sponsorship readiness…
AML & counter-terrorist financing · US · AMLRead insight →NYDFS Tightens Expectations on Third-Party Risk: What New York’s Guidance Means for UK and Global FinTechs
How AnyAccount Helps At AnyAccount, our US team supports FinTech founders, MSBs and scaling payment companies with: State and federal regulatory licensing strategy, including MSB, money transmitter and virtual-currency…
Third-party risk · NYDFS · UK · US · FinTechRead insight →How a UK Firm Should Structure Its First 12 Months Entering the US Market
How AnyAccount Helps At AnyAccount, our US team supports FinTech founders, MSBs and scaling payment companies with: State and federal regulatory licensing strategy, including MSB and money-transmitter frameworks Bank…
US market entry · UK · USRead insight →FCA Finalises Major Overhaul of Safeguarding Rules for Payments and E-Money Firms (PS25/12)
How AnyAccount Helps At AnyAccount Ltd, we support FinTech start-ups and scaling businesses with: Regulatory reporting strategy and optimisation End-to-end FCA returns management (REP001–REP018 and beyond) Governance…
Safeguarding · FCA · UK · Payments · E-money · PS25/12Read insight →The 5 Biggest Mistakes UK/EU Firms Make When Expanding Into the US
How AnyAccount Helps At AnyAccount, our US team supports FinTech founders, MSBs and scaling payment companies with: State and federal regulatory licensing strategy, including MSB and money-transmitter frameworks Bank…
US market entry · UK · EU · USRead insight →FCA Cuts More Regulatory Returns — 36,000 Firms Freed From Nil-Return Churn
The FCA has taken another swing at unnecessary reporting, and this time the blow has landed squarely on one of the industry’s greatest annoyances: the nil return. As of 28 August 2025, around 36,000 firms — an estimated…
Regulatory reporting · FCA · UK · ReportingRead insight →What UK Companies Need to Know About the Updated PSC Guidance (and Why You Ignore It at Your Peril)
On 19 November 2025, the UK government quietly released updated summary guidance on the register of people with significant control (PSC). It did not come with fireworks, a media blitz or a moral crusade — just the…
Corporate governance & ownership · Companies House · UKRead insight →Banking Access for FinTechs: Why the US Is More Competitive but Less Predictable, and the UK/EU Is More Orderly but More Limited
How AnyAccount Helps At AnyAccount, our US team supports FinTech founders, MSBs and scaling payment companies with: State and federal regulatory licensing strategy, including MSB and money-transmitter frameworks Bank…
Banking & payments · UK · EU · US · FinTechRead insight →Five Big Differences Between UK/EU and US Financial Regulation That Every FinTech Should Understand
How AnyAccount Helps At AnyAccount, our US team supports FinTech founders, MSBs and scaling payment companies with: State and federal regulatory licensing strategy, including MSB and money-transmitter frameworks Bank…
US market entry · UK · EU · US · FinTechRead insight →Big Changes to Safeguarding: What CP24/20 Means for UK Payment Firms and Fintechs
In a move that could reshape the operational and compliance landscape for payment and e-money institutions, the Financial Conduct Authority (FCA) has launched Consultation Paper CP24/20 , outlining substantial reforms…
Safeguarding · UK · Payments · FinTech · CP24/20 · FCA · E-moneyRead insight →New ‘Failure to Prevent Fraud’ Offence: How UK Firms Can Act Now to Protect Against Liability
By AnyAccount Ltd. FinTech Advisory | www.anyaccount.org A new era of corporate accountability is approaching. On 1 September 2025 , a major provision of the Economic Crime and Corporate Transparency Act (ECCT) will…
Fraud & market abuse · UK · FraudRead insight →HM Treasury's Plan for Change: A Turning Point for FinTechs and Payment Institutions
By AnyAccount Ltd. FinTech Advisory | www.anyaccount.org In a landmark move for UK business, the Chancellor of the Exchequer has unveiled a comprehensive Action Plan to overhaul the UK regulatory landscape , aiming to…
Regulatory policy · UK · Payments · FinTechRead insight →A River of Opportunity: Why the UK’s Capital Markets Are Ripe for Innovation and Investment
By AnyAccount Ltd. FinTech Advisory | www.anyaccount.org At the 2025 Association of Corporate Treasurers Annual Conference, Dominic Holland , the FCA’s Director of Market Oversight, delivered a compelling message: the…
Innovation & strategy · UKRead insight →Unlocking Financial Resilience: Why Budgeting Apps with Ledgers Can Help Tackle the UK's Savings Shortfall
By AnyAccount Ltd. FinTech Advisory | www.anyaccount.org Recent findings from the Financial Conduct Authority (FCA) have shed light on a concerning trend across UK households: while more people now have access to…
Innovation & strategy · UKRead insight →FCA Liquidity Management Multi-Firm Review: What You Need to Know
The Financial Conduct Authority (FCA) has published the results of its Liquidity Management Multi-Firm Review. The review found that a number of firms had weaknesses in their liquidity management frameworks. The FCA's…
Financial resilience & liquidity · FCA · UKRead insight →SEC Charges Former Citigroup Employee with Insider Trading
The Securities and Exchange Commission (SEC) today announced that it has charged a former Citigroup employee with insider trading. According to the SEC's complaint, the former employee, Michael Nikolaou, learned about…
Fraud & market abuse · SEC · US · FraudRead insight →SEC Proposes Changes to Customer Protection Rule
The Securities and Exchange Commission (SEC) has proposed changes to the customer protection rule, which is designed to protect investors' assets held by broker-dealers. The proposed changes would make it more difficult…
Consumer Duty & promotions · SEC · USRead insight →EU Commission Launches Consultation on New Rules to Counter Economic Crime
The European Commission has launched a consultation on new rules to counter economic crime. The consultation, which is open until September 22, 2023, seeks feedback on a number of proposed measures, including:…
AML & counter-terrorist financing · EU · AMLRead insight →UK Government Publishes Notice on Cross-Border Tax Avoidance
The UK government has published a notice on cross-border tax avoidance. The notice, which was published on July 1, 2023, sets out the government's approach to cross-border tax avoidance and provides guidance on how…
Corporate governance & ownership · UKRead insight →UK Government Introduces New Legislation to Keep Russian Sanctions in Place Until Compensation is Paid to Ukraine
The UK government has introduced new legislation that will allow it to keep Russian sanctions in place until compensation is paid to Ukraine for the damage caused by the invasion. The legislation, which was announced by…
Sanctions · UK · SanctionsRead insight →The FCA's Approach to Regulating Digital Assets in the UK
The Financial Conduct Authority (FCA) has been working to develop a regulatory framework for digital assets in the UK. The FCA's approach is based on the following principles: Protecting consumers: The FCA's primary…
Crypto & digital assets · FCA · UK · CryptoassetsRead insight →FCA Introduces Tough New Rules for Marketing Cryptoassets
The Financial Conduct Authority (FCA) has announced tough new rules for marketing cryptoassets to UK consumers. The new rules, which come into effect on October 8, 2023, are designed to protect consumers from the risks…
Consumer Duty & promotions · FCA · UK · CryptoassetsRead insight →FCA Releases Guidance on Cryptoasset Financial Promotions
The Financial Conduct Authority (FCA) has released guidance on how firms should comply with the new financial promotions regime for cryptoassets. The guidance, which is open for consultation until August 10, 2023, sets…
Consumer Duty & promotions · FCA · UK · CryptoassetsRead insight →The FCA's Financial Resilience Survey
The Financial Conduct Authority (FCA) has launched a new survey to assess the financial resilience of firms in the UK financial services industry. The survey is open to all firms that are regulated by the FCA, and it…
Financial resilience & liquidity · FCA · UK · ReportingRead insight →The FCA's Review of Fair Value Frameworks
The Financial Conduct Authority (FCA) has published a blog post on its review of fair value frameworks. The review found that many firms had good practices in place, but there were also some areas where firms could…
Consumer Duty & promotions · FCA · UK · Consumer DutyRead insight →The Drive for Data in Non-Bank Financial Intermediation (NBFI)
The Financial Conduct Authority (FCA) has been increasing its focus on non-bank financial intermediation (NBFI) in recent years. NBFI refers to the provision of financial services by institutions that are not banks.…
Regulatory reporting · Regulatory reportingRead insight →The FCA's New Baseline Financial Resilience Regulatory Return
The Financial Conduct Authority (FCA) has published a new policy statement (PS23/3) on the creation of a baseline financial resilience regulatory return (FIN073). The return will collect data from solo-regulated firms…
Regulatory reporting · FCA · UK · Reporting · FIN073Read insight →Recent US Economic Outlook
The Federal Reserve's Beige Book report for July 12, 2023, provides an insightful look into the current economic conditions across the 12 Federal Reserve Districts. This blog post will summarize the key findings of the…
Innovation & strategy · USRead insight →The FCA and PSR Appoint New Members to Decision-Making Committees
The Financial Conduct Authority (FCA) and Payment Systems Regulator (PSR) have appointed two new Deputy Chairs to their respective Regulatory Decisions Committees (RDCs). Margaret Obi and Edward Sparrow will join the…
Regulatory policy · FCA · PSR · UKRead insight →Reviewing Again the UK Economic Crime Bill
The UK government introduced the Economic Crime and Corporate Transparency Bill, with the aim to strengthen the UK's fight against economic crime and support efforts to tackle terrorist financing. The bill includes a…
AML & counter-terrorist financing · UK · AMLRead insight →The Prudential Regulation Authority's New Model Risk Management Principles for Banks
The Prudential Regulation Authority (PRA) has released new model risk management principles for banks. The principles are designed to help banks identify, manage, and control the risks associated with the use of models…
Operational & cyber risk · PRARead insight →Open Consultation Addressing Carbon Leakage Risk to Support Decarbonisation
The UK government is committed to achieving net zero emissions by 2050. To do this, it will need to make significant changes to the way it produces and consumes energy. However, these changes could lead to carbon…
Climate policy · Climate policyRead insight →The Financial Services and Markets Act 2000 (Financial Promotion) (Amendment) Order 2023 Keeling Schedule
The Financial Services and Markets Act 2000 (Financial Promotion) (Amendment) Order 2023 (the “Order”) was published on 27 March 2023. The Order amends the Financial Services and Markets Act 2000 (FSMA) to extend the…
Consumer Duty & promotions · Consumer Duty & promotionsRead insight →The Review of the Senior Managers and Certification Regime (SM&CR)
The Senior Managers and Certification Regime (SM&CR) is a set of rules that was introduced in 2016 to improve the governance of financial services firms. The SM&CR sets out a framework for holding senior managers…
Corporate governance & ownership · Corporate governance & ownershipRead insight →The Economic Crime (Anti-Money Laundering) Levy: What Businesses Need to Know
The Economic Crime (Anti-Money Laundering) Levy (ECL) is a new annual charge on businesses that are regulated for anti-money laundering (AML) purposes. The levy was introduced by the government in the Finance Act 2022,…
AML & counter-terrorist financing · AMLRead insight →Counter-Terrorism (Domestic) Regime
The Consolidated List under the Counter-Terrorism (Domestic) regime is a list of individuals and entities who are subject to financial sanctions in the United Kingdom. The list is maintained by the Treasury and is…
Sanctions · SanctionsRead insight →FCA Widening Financial Resilience Requirements for Solo-regulated Financial Services Firms
The Financial Conduct Authority (FCA) has announced that it will require solo-regulated financial services firms to provide a base level of information about their financial resilience. The return, which will be known…
Regulatory reporting · FCA · UKRead insight →UK Publishes ‘The Green Finance Strategy: A Policy Paper’
The Green Finance Strategy: A Policy Paper The UK government has published a Green Finance Strategy, which sets out its plans to mobilize private finance to support the transition to a net zero economy. The strategy…
Climate policy · UKRead insight →FCA updates on Sustainability Disclosure Requirements (SDR) and investment labels consultation
The UK's Financial Conduct Authority (FCA) has published an update on its consultation on Sustainability Disclosure Requirements (SDR) and investment labels. The FCA received around 240 responses to the consultation,…
ESG & disclosures · FCA · UK · ESG · SDRRead insight →UK On-track for Crypto Regulation
The government is setting out plans that it hopes are ambitious enough to regulate cryptoasset activities, to provide confidence and clarity to consumers and businesses alike. As is common in emerging technology…
Crypto & digital assets · UK · CryptoassetsRead insight →Meeting the Requirements of the Economic Crime (Transparency and Enforcement) Act for Investments
The Economic Crime (Transparency and Enforcement) Act 2022 (ECA) came into force on 15 March 2022. It is a significant piece of legislation that aims to improve the UK's ability to tackle economic crime. The ECA makes a…
AML & counter-terrorist financing · AMLRead insight →ESG Benchmarking
ESG (Environmental, Social, and Governance) benchmarks are a way to measure the sustainability performance of a company or fund. They use a variety of factors, such as greenhouse gas emissions, water usage, and social…
ESG & disclosures · ESGRead insight →Financial Conduct Authority Priorities for Payments Firms
The Financial Conduct Authority (FCA) recently re-released its priorities for Payment Firms over the next few years from 2022 to 2025. The FCA identified three core areas in which Firms should identify as key areas for…
Regulatory policy · FCA · UK · PaymentsRead insight →Depositors Protected at Silicon Valley Bank
Following recent events at Silicon Valley Bank, the Financial Conduct Authority (FCA) recently issued its statement regarding the activities undertaken around the closure. In its most recent press release, the FCA…
Financial resilience & liquidity · USRead insight →HM Treasury Consults on the ‘Future Financial Services Regulatory Regime’ for Cryptoassets
The Treasury has recently published a consultation paper, based on the UK Government's commitment to introducing a new regulatory regime for cryptoassets. With the paper, the Treasury aims to provide an overview of the…
Crypto & digital assets · UK · CryptoassetsRead insight →Sir Jon Cunliffe Announces the Digital Pound
Sir Jon Cunliffe, Deputy Governor, Financial Stability at the Bank of England recent speech at Finance UK, set out the future purpose of a digital pound, a new, digital form of money, issued by the Bank of England for…
Crypto & digital assets · Bank of England · CryptoassetsRead insight →Crypto and Opportunities in the Metaverse
The economy of the Metaverse is increasing year on year. According to Citi Group, “interest in the virtual world spiked at the end of 2021 following a rise in sales of non-fungible tokens (NFTs) as well as announcements…
Crypto & digital assets · CryptoassetsRead insight →Review of The Bonus Cap Underway – Get Involved!
The amount of renumeration that any employee or member of a company receives is normally a private matter, carried out under employment legislation (Employment Rights Act 1996). In the case of large renumerations in the…
Corporate governance & ownership · Corporate governance & ownershipRead insight →A Reminder on Final Preparations for Consumer Duty
What is Consumer Duty? The consumer principle introduces two over-arching objectives that each firm must work towards. Every firm must be able to demonstrate that it has taken reasonable steps to “avoid causing…
Consumer Duty & promotions · UK · Consumer DutyRead insight →ESG Fund Downgrades Top $125 Billion
A few weeks ago we wrote about the FCA’s Consultation Paper (CP22/20) as they seek to hit the right balance between the protection of consumer interests and control over the asset investing industry to properly label…
ESG & disclosures · ESGRead insight →OFSI - Oil Services Ban and Price Cap Information Published
The Office for Financial Sanction Implementation, part of HM Treasury that enables financial sanctions to contribute to the UK's foreign policy, national security goals, and confidence, in the UK financial services…
Sanctions · OFSI · UK · SanctionsRead insight →Bank of England “FTX collapse shows need to regulate crypto”
Jon Cunliffe, Deputy Governor at The Bank of England released a statement on Monday, stating that the implosion of the cryptocurrency exchange FTX shows the need to bring the crypto world within the existing regulatory…
Crypto & digital assets · Bank of England · UK · CryptoassetsRead insight →Reporting to Office of Financial Sanctions Implementation
The ongoing war in Ukraine has made knowledge of sanctions an everyday reality for many businesses. The UK financial sanctions legislation sets out specific reporting obligations which requires certain individuals and…
Sanctions · OFSI · Sanctions · ReportingRead insight →Financial Action Task Force (FATF) Update 'High-risk and other monitored jurisdictions'
If it isn’t on your radar, please be aware that the Financial Action Task Force (FATF) 'High-risk and other monitored jurisdictions' list was recently updated. In view of these changes, now would be the perfect time for…
AML & counter-terrorist financing · FATFRead insight →FTX Founder Outlines Framework to Minimise Hacks
Sam Bankman-Fried, has reportedly outlined a framework for limiting the impact of the hacks and exploits that are so common within the industry. The intervention comes a few days after a hacker was able to keep half…
Operational & cyber risk · CryptoassetsRead insight →FCA Proposes new rules against ‘Green Washing’
As part of the FCA’s mission to increase protection and further engage in consumer facing markets, the FCA has signalled it’s intention to examine the ESG Credentials of firms claiming to offer investment products…
ESG & disclosures · FCA · UK · ESGRead insight →FCA has fined Gatehouse Bank Plc for significant weakness in its financial crime systems and controls.
Gatehouse Bank has received a fine of £1,584,100 from the FCA for significant failings in its anti-money laundering systems and controls. The FCA investigation found that between June 2014 and July 2017, Gatehouse…
AML & counter-terrorist financing · FCA · UK · AMLRead insight →FCA Discuss Crypto at Annual Public Meeting
The FCA held it’s annual public meeting last week, on 12th October. The public meeting is an online opportunity for the anyone to pose questions to the FCA to respond. During the meeting, a question was raised for the…
Crypto & digital assets · FCA · UK · CryptoassetsRead insight →FinCEN updates beneficial ownership rules with UK legislation underway
Recently, the Financial Crimes Enforcement Network (FinCEN) has issued a final ruling regarding the reporting requirements for Beneficial Ownership Information (BOI). Beneficial ownership Information (“BOI”) is pursuant…
Corporate governance & ownership · FinCEN · UK · USRead insight →Blockchain Security or Vulnerability
Blockchain is meant to be more secure, working as a distributed network that enables decentralization of data, which makes it a more secure and hard to tamper technology. So how does the decentralized nature of a public…
Operational & cyber risk · CryptoassetsRead insight →No articles found. Try another title or topic.