From 1 October 2026 the Sveriges Riksbank starts collecting payment statistics directly from payment service providers and payment system operators, and Riksbank payment statistics reporting becomes a standing filing obligation. The obligation sits in the Riksbank’s regulations RBFS 2025:1, adopted on 25 June 2025. Subject to Section 1’s exclusions, it applies to payment service providers…
If your bank went live with Verification of Payee on 5 October 2025 and then quietly assumed the work was finished, the next eighteen months will surprise you. The scheme that PSPs built against is already moving. A version 1.1 of the rulebook is published, a version 2.0 is out for consultation, and the matching…
A consumer survey is not a reporting obligation. Treat the two as the same thing and you mis-scope your year, because the Bundesbank payment behaviour study tells you where transaction volumes are moving, while a separate set of European Central Bank rules tells you which of those movements you have to count, code and submit….
Get the legal basis of the UK Payments Initiative wrong and you can spend a quarter building a payment proposition on the assumption that EU rules apply, only to find that none of them do. The UK Payments Initiative is the first commercial open banking scheme in the country, and the FCA confirmed its launch…
Luxembourg credit institutions had their first deadline on 9 January 2025. They had to be reachable for instant credit transfers in euro by that date. Their second deadline, sending instant payments, hit on 9 October 2025. For Luxembourg banks that were already live on SCT Inst voluntarily, the regulation mostly formalized existing practice and added…
Introduction PSD2 reporting is not optional – payment institutions face multiple overlapping reporting obligations including statistical, prudential, fraud, incident, and complaint reporting, each with distinct deadlines, data sources, and regulatory recipients. Payment Services Directive 2 (Directive (EU) 2015/2366) fundamentally reshaped how payment institutions, e-money institutions (EMIs), account information service providers (AISPs), and payment initiation service…
Introduction CESOP reporting is a mandatory quarterly obligation for European payment service providers handling cross-border transactions above the 25-payment threshold – missing the deadline or submitting inaccurate data can result in supervisory action and penalties. If you work in payments or compliance at a European financial institution, CESOP likely sits on your regulatory checklist. For…