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

  • Coins on gavel

    Top report

    The overdraft market - a new era

    12.06.2019

  • Europe from space

    1. FCA/AFM: JOINT AGREEMENT FCA and the Dutch Authority for the Financial Markets (AFM) met on 3 June 2019 and have signed a joint agreement of cooperation (the text of which has not been published). FCA notes that, in addition to building cooperation and information sharing post-Brexit, the agreement also ...

  • light house

    On 4th June 2019 the Financial Conduct Authority (the “FCA”) published final rules for peer-to-peer (or P2P) lending platforms. The new rules are the result of the FCA’s consultation that launched in July 2018, with the FCA stating that the new rules are designed to help better protect investors and ...

  • City, London

    The importance the financial regulators place on effective oversight and management of outsourcing arrangements has been highlighted by both the PRA and the FCA in the fines they have imposed totalling £1,887,252 on R.Raphael & Sons plc (the “Bank”) for failing to manage its outsourcing arrangements properly. Effective management of ...

  • UK image

    1. PRA: Speech by Sam Woods: Stylish regulation Text of this speech, given on 16 May 2019 follows, in which Sam Woods considers the UK system of regulation post-Brexit, including comparing the UK and EU approaches to regulation. He sets out six principles for an effective regulation framework and suggests ...

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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.

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Future Dates

* Estimated date

  • *Mid 2019

    The European Commission signposted in its roadmap document that mid-2019 is the period by which the following will be in place: fully functional backstop to the Single Resolution Fund; implementation of the European Deposit Insurance Scheme;  finalising all pending legislative initiatives for Capital Markets Union.

  • 01 July 2019

    The PRA 110 template and reporting instructions, and the PRA rulebook instrument (PRA 2018/3) will apply (country UK)

  • *31 October 2019

    Exit date is:

    •  31 October 2019 if the UK holds European Elections, but UK Parliament has not ratified the WA before that date; or
    •  The 1st day of the month after ratification if UK Parliament ratifies the WA before October 2019.

News Wizard

  • 14/06/2019

    EIOPA: Annual Report 2018

    EIOPA: Annual Report 2018
    News Date:
    14/06/2019
    News Text:
    EIOPA has published its annual report, which sets out details of work undertaken in 2018, including its work on Brexit preparations.
    Support Information:
  • 14/06/2019

    ESMA: EMIR implementation

    ESMA: EMIR implementation
    News Date:
    14/06/2019
    News Text:
    ESMA has updated its Q&A document.
    Support Information:
  • 14/06/2019

    FMLC: US sanctions and the EU Blocking Regulation

    FMLC: US sanctions and the EU Blocking Regulation
    News Date:
    14/06/2019
    News Text:
    This FMLC paper considers issues of legal uncertainty arising from the EC's plans to expand the scope of the Blocking Regulation to cover certain reimposed US sanctions on Iran.
    Support Information:
  • 14/06/2019

    EC: PEPPs Regulation

    EC: PEPPs Regulation
    News Date:
    14/06/2019
    News Text:
    The EC has announced that the PEPPs Regulation has been adopted along with a package of measures intended to remove existing barriers to the cross-border distribution of investment funds.
    Support Information:
  • 14/06/2019

    BoE: Speech by Mark Carney: Finance for all by all

    BoE: Speech by Mark Carney: Finance for all by all
    News Date:
    14/06/2019
    News Text:
    Text of Mark Carney's speech of 13 June 2019 on diversity follows.
    Support Information: