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

  • Zurich, Switzerland

    The Swiss Financial Market Supervisory Authority FINMA revises its outsourcing circular 2008/7 "Outsourcing – banks" and put the new version out for consultation. The revised circular now also covers insurance companies. Background The rules governing outsourcing solutions in the insurance sector are not set forth in a formal FINMA circular ...

  • City, London

    On 29 November 2016 the FCA launched a call for input on high-cost credit including review of the high-cost short-term credit (HCSTC) price cap. This builds on the work undertaken by the FCA in 2014 on price caps (Policy Statement 14/16), the Law Commission’s report on the review of the ...

  • high rise

    The UCITS Directive was established to harmonise retail collective investment schemes in the EU through the introduction of a common investment vehicle known as a “UCITS”. One of the key benefits of the UCITS Directive is that UCITS can be established and regulated in one EU member state and offered ...

  • On 15 November 2016, the Ukrainian Parliament adopted a Consumer Lending Law (the “Law”). It is aimed at the introduction of ground-breaking changes to the consumer lending market in the Ukraine. The Law elaborates extensively on the requirements for advertising consumer loans and prohibits certain bad faith advertisement techniques which ...

  • Glass sky

    Recent Brexit Developments in Scotland Our “The future of Scotland post Brexit” report was published in the weeks after the EU Referendum to reflect where Scotland was at that point. Since then there have been some developments in the debate and also some reaction to the public pronouncements coming from ...

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Future Dates

* Estimated date

  • 13 December 2016

    The Directive on Consumer Rights requires the European Commission to submit a report to the European Parliament and the Council on the operation of the Directive by this date. The Directive requires such report to include a particular focus on the provisions relating to digital content and should be accompanied by legislative proposals to adapt the Directive, if appropriate.

  • 26 December 2016

    Date by which the Joint Committee of ESAs is to submit to the Commission draft RTS on group-wide policies and procedures (under article 45(6) MLD4).

  • 26 December 2016

    Date by which the Joint committee of ESAs is to issue their first opinion on the money laundering and terrorist financing risks affecting the EU financial sector.

News Wizard

  • 06/12/2016

    FOS: Ombudsman News 138

    FOS: Ombudsman News 138
    News Date:
    06/12/2016
    News Text:
    This edition focuses on complaints centred on mental health and debt.
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  • 06/12/2016

    BoE: Speech by Andrew Hauser: A payments strategy for the 21st century

    BoE: Speech by Andrew Hauser: A payments strategy for the 21st century
    News Date:
    06/12/2016
    News Text:
    BoE has now published the text of this speech, given at the Payments Strategy Forum's strategy event on 29 November 2016, in which Andrew Hauser discusses aspects of payments strategy in the UK.
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  • 06/12/2016

    PRA: Stress testing

    PRA: Stress testing
    News Date:
    06/12/2016
    News Text:
    PRA has updated its webpage which provides clarification on IFRS 9 for 2017 ICAAP stress testing and capital planning.
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  • 06/12/2016

    FCA: CP16/40: Enhancing conduct of business rules for firms providing contract for difference products to retail clients

    FCA: CP16/40: Enhancing conduct of business rules for firms providing contract for difference products to retail clients
    News Date:
    06/12/2016
    News Text:
    FCA has published this CP, stating that it has concerns that more retail customers are opening and trading CFD products that they do not adequately understand. Proposals in the CP include: .introducing standardised risk warnings and mandatory disclosure of profit-loss ratios on client accounts by all providers to better illustr...
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  • 06/12/2016

    LSB: Standards development project on digital capabilities

    LSB: Standards development project on digital capabilities
    News Date:
    06/12/2016
    News Text:
    LSB is undertaking s standards development project on digital capabilities, noting that it wishes to identify areas where the Standards of Lending Practice may benefit from enhancements and to ensure that the protections offered take account of the technological advancements provided via digital channels, throughout the customer...
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