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

  • emobility image

    On 15 October 2019, the Financial Conduct Authority (“FCA”) published consultation paper CP19/29: Recovery of costs of supervising cryptoasset businesses under the proposed anti-money laundering regulations: fee proposals (“CP19/29”).  

  • Car fuel image

    Following the publication in March this year of the findings from its review of the motor finance sector, the FCA has today opened a consultation on plans to: implement a ban on discretionary commission arrangements in the motor finance sector; and update the commission disclosure requirements in the Consumer Credit Sourcebook (“CONC”), part of the FCA handbook, for all providers of consumer...

  • Glass sky

    Commentary Writing on the weekend of 11/12th October and as the Hallowe’en deadline approaches, it seems to get more, rather than less, difficult to predict the Brexit flightpath and the ultimate destination. Of the multitude of possibilities, virtually none, if any, can now be ruled out. The UK may or may not leave the EU. If it leaves, it may do so under an Article 50 Withdrawal Agreement (WA)...

  • waiting for interview

    EBA says progress has been slow and more needs to be done by banks to be operationally resilient and resolution ready.

  • Coins image

    As part of its review into high-cost credit, the FCA has published new rules designed to simplify and improve transparency of overdraft pricing. The rules, coming into force on 6 April 2020,  require firms to publish a range of overdraft pricing details – with a view to increasing consumers’ awareness of firms’ overdraft charging structures. Firms will be under an obligation to publicise, on a quarterly...

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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

  • *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.

  • 1 December 2019

    End of four-year transitional period for RTS on risk-mitigation techniques for OTC derivatives contracts not cleared by a CCP under EMIR.

  • 31 December 2019

    Following PRA's policy statement (PS10/17) - operational continuity firms are expected to submit the template (PRA109) 45 business days after the first reporting period ending 31 December.

News Wizard

  • 22/10/2019

    ESMA: European common enforcement priorities for 2019 annual financial reports

    ESMA: European common enforcement priorities for 2019 annual financial reports
    News Date:
    22/10/2019
    News Text:
    ESMA’s statement highlights the priorities that European enforcers will consider when examining the 2019 annual financial reports of listed companies, including IFRS 9 (financial Instruments for credit institutions),the potential implications of the transition from one interest rate benchmark rate to another and the importance o...
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  • 22/10/2019

    HoC European Scrutiny Committee: 1st Report of Session 2019-20

    HoC European Scrutiny Committee: 1st Report of Session 2019-20
    News Date:
    22/10/2019
    News Text:
    Sections 1, 4 and 10 of the report consider the Brexit UK contributions to the EU budget in 2019 and 2020 in the event of no deal, financial support for European businesses from the EU budget in the event of no deal and UK access to the EU market for financial services after Brexit respectively. With regard to the last of these...
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  • 22/10/2019

    European Union (Withdrawal Agreement) Bill

    European Union (Withdrawal Agreement) Bill
    News Date:
    22/10/2019
    News Text:
    Text of the Bill follows.
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  • 22/10/2019

    TSC: Brexit economic analysis

    TSC: Brexit economic analysis
    News Date:
    22/10/2019
    News Text:
    TSC has commented on Sajid Javid’s letter with regard to the above, saying “the Government must … urgently explain why the previous analysis of an FTA does not correspond to the FTA in the political declaration and provide clarity on what the impact is of the current proposal”.
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  • 22/10/2019

    Goods Mortgages Bill

    Goods Mortgages Bill
    News Date:
    22/10/2019
    News Text:
    The text of the Bill, which is intended to make provision for a new form of non-possessory security that may be created over goods owned by individuals and to repeal the Bills of Sales Acts 1878 and 1882, follows. The first reading took place on 21 October 2019. The second reading (debate on the Bill) is yet to be scheduled.
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