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

  • 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...

See more reports

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

  • *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

  • 17/10/2019

    EC Withdrawal Agreement

    EC Withdrawal Agreement
    News Date:
    17/10/2019
    News Text:
    The EC has recommended that the Council endorse the agreement reached at negotiator level on the Withdrawal Agreement, including a revised Protocol on Ireland / Northern Ireland, and approve a revised Political Declaration on the framework of the future EU-UK relationship. The Commission also recommends that the European Parliam...
    Support Information:
  • 17/10/2019

    BIS: Policy uncertainty and bank mortgage credit

    BIS: Policy uncertainty and bank mortgage credit
    News Date:
    17/10/2019
    News Text:
    This BIS working paper considers how policy uncertainty affects banks' lending behaviour in the specific area of mortgage lending
    Support Information:
  • 17/10/2019

    TSC/ FCA: The perimeter of regulation

    TSC/ FCA: The perimeter of regulation
    News Date:
    17/10/2019
    News Text:
    TSC has published FCA’s response to its August 2019 report and comments that “the Government rejected our recommendation, opting instead to keep the opaque system as it is. The independent FCA, on the other hand, shares our view … that a more formal or structured approach would provide greater transparency to the process”.
    Support Information: