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).

Visit our RegZone training page where you can view and download RZ "on-demand" training videos to your mobile device.

Latest Reports

  • Europe from space

    This report looks at the legal process to be followed if the UK were to decide to leave the European Union (EU). It is one of a series based on our recent webinar/seminar series ‘Helping financial institutions deal with the risks from a changing EU and Brexit’. You can access ...

  • Glass sky

    We have published our Spring 2016 edition of Risk Matters: Highlighting topical issues for the Insurance Sector. To view or download a copy, please click on the link in the title.

    The Spring 2016 edition covers:

    Countdown to the introduction of the Insurance Act 2015

    Could the naming of UK storms impact on reinsurance claims?

    Insurance - economic sanctions against Iran

    Relocation of headquarters - some of the things to think about

    Market moves - protect yourself or risk losing in game of musical chairs

    2016 was expected to bring a number of fundamental changes to the pensions industry - has it lived up to expectations so far?

    Judgment from start to finish in 10 months - new High Court procedures, if...

    Insurance Distribution Directive adopted - implementation for 2018

    New era for EU Data Privacy Regulation

  • Euro notes & coins

    Law Decree no. 59 of 3 May 2016, apart from introducing a new type of floating charge, namely “non-possessory pledge”, creates a fund for payment of compensation to bondholders of four Italian banks recently declared insolvent and introduces certain amendments to enforcement and insolvency procedures, provides and introduces the possibility ...

  • Chart point

    European Market Infrastructure Regulation (EU) No. 648/2012 (EMIR) requires certain classes of OTC derivatives to be cleared through a central counterparty (a CCP). This is colloquially referred to as the “clearing obligation” or “mandatory clearing”. For further information on the clearing obligation, please see our earlier report here. General EMIR ...

  • Newspapers

    General European Market Infrastructure Regulation (EU) No. 648/2012 (EMIR) requires certain classes of OTC derivatives to be cleared through a central counterparty (a CCP). This is colloquially referred to as the “clearing obligation” or “mandatory clearing”. All EU financial counterparties (FCs) and EU non-financial counterparties over the clearing threshold (as ...

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Upcoming events

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RegZone Toolkit

New to RegZone are customised research tools, designed by CMS lawyers, allowing you to search RegZone databases for quick queries and detailed analysis on regulatory reform, regulators and other agencies, timelines, jargon and more.

Mobile users can download ‘App’- style icons for easy access.

Future Dates

* Estimated date

  • *May 2016

    Date by which PSR final report on market review on access to payment systems is due.

  • 31 May 2016

    Date on which Transparency Regulation 6 comes into force in the UK.

  • *31/5/2016

    Where a DGS is unable to comply with Article 13 DGSD 2 (contributions to DGSs calculated based on the amount of covered deposits and the degree of risk incurred), compliance may be delayed until this date.

News Wizard

  • 27/05/2016

    EC: ECOFIN meeting (25 May 2016)

    EC: ECOFIN meeting (25 May 2016)
    News Date:
    27/05/2016
    News Text:
    A note of the meeting has been published. Topics under discussion include the banking union and financial services in general (including a progress note setting out current status on legislation which is available via the document below) and the supervision of credit rating agencies.
    Support Information:
  • 27/05/2016

    EC: Delegated Regulation in relation to EMIR

    EC: Delegated Regulation in relation to EMIR
    News Date:
    27/05/2016
    News Text:
    This Delegated Regulation amending Delegated Regulation (EU) No 153/2013 as regards the time horizons for the liquidation period to be considered for the different classes of financial instruments ((EU) 2016/822) has been published in the Official Journal.
    Support Information:
  • 27/05/2016

    EC: Implementing Regulation in relation to MIFID

    EC: Implementing Regulation in relation to MIFID
    News Date:
    27/05/2016
    News Text:
    Commission Implementing Regulation (EU) 2016/824 of 25 May 2016 laying down implementing technical standards with regard to the content and format of the description of the functioning of multilateral trading facilities and organised trading facilities and the notification to the European Securities and Markets Authority accordi...
    Support Information:
  • 27/05/2016

    European Parliament: Draft report on the Green Paper on retail financial services

    European Parliament: Draft report on the Green Paper on retail financial services
    News Date:
    27/05/2016
    News Text:
    In this report, various areas of the Green Paper are highlighted, covering specific short and long term considerations that should be prioritised. These include: further work on account portability and investigating card payments involving currency transactions.
    Support Information:
  • 27/05/2016

    EPL Virtual currencies

    EPL Virtual currencies
    News Date:
    27/05/2016
    News Text:
    The European Parliament has passed a resolution recommending that the EC set up a taskforce to monitor virtual currencies.
    Support Information: