title: Weekly roundup — WorldPayments Monitor — 2026-09-07 canonical: https://payments.gi/roundup/2026-09-07/ ## Developments 1. 1 SI Operational Resilience & Critical Infrastructure 2026-09-11 ### [BSI rolled out instant-payment sending and payee-verification services to public-sector budget spending units; expanding ZPlaSSIED-based IPR-compliance supervision of PSPs.](https://payments.gi/jurisdictions/slovenia/#mb-w3) [Banka Slovenije](https://www.bsi.si/en/media/posts/full-roll-out-of-instant-payments-in-the-euro-area) T1 Confirmed 2. 2 KZ Operational Resilience & Critical Infrastructure 2026-09-05 ### [NBK launched the nationwide Interbank Mobile Payment System (IMPS) on 19 July 2026; digital tenge received formal legal status 18 July 2026.](https://payments.gi/jurisdictions/kazakhstan/#mb-w3) [National Bank of Kazakhstan](https://nationalbank.kz/en/news/reestr-platezhnyh-sistem) T1 Confirmed 3. 3 RU Correspondent Banking, Settlement & Access 2026-09-05 ### [OFAC SPFS alert plus EU 21st sanctions package banking-sector designations (90+ institutions) further narrow correspondent-access options for Russian banks.](https://payments.gi/jurisdictions/russia/#mb-w12) [OFAC](https://ofac.treasury.gov/media/933656/download?inline=) T1 Confirmed 4. 4 US-ME Licensing, Authorisation & Market Access 2026-09-05 ### [All Maine money-transmitter licensees must convert surety bonds to Electronic Surety Bonds via NMLS by January 31, 2026; PL 2026 c.542 extends kiosk-registration to cash-dispensing machines used as VC kiosks.](https://payments.gi/jurisdictions/united-states-maine/#mb-w1a) [Maine Bureau of Consumer Credit Protection](https://www.maine.gov/pfr/consumercredit//industry/licensing/money_transmitter.htm) T1 Confirmed 5. 5 AT Scheme & Network Compliance 2026-09-02 ### [Instant Payments Regulation (EU) 2024/886 fully live: 24/7/365 10-second euro credit transfers mandatory, no surcharge, VoP checks, daily sanctions screening, annual OeNB reporting.](https://payments.gi/jurisdictions/austria/#mb-w4) [Finanzmarktaufsicht (FMA)](https://www.fma.gv.at/en/the-fma-informs-about-instant-payments-new-eu-standard-for-quick-payments/) T1 Confirmed 6. 6 CA-BC Licensing, Authorisation & Market Access 2026-09-02 ### [BCFSA to assume regulatory responsibility for MSBs under BC's Money Services Businesses Act; coming-into-force date still pending.](https://payments.gi/jurisdictions/canada-british-columbia/#mb-w1a) [BC Financial Services Authority](https://www.bcfsa.ca/about-us/news/news-release/bcfsa-assume-regulatory-responsibility-money-services-businesses) T1 Confirmed 7. 7 AU Stablecoins & Digital Money 2026-09-01 ### [RBA's Sept 2026 CBDC/stablecoin update reaffirms no high stablecoin adoption but flags growing issuance interest as licensing framework approaches.](https://payments.gi/jurisdictions/australia/#mb-w2) [Reserve Bank of Australia (RBA)](https://www.rba.gov.au/payments-and-infrastructure/tokenised-money/pdf/retail-cbdc-position-paper-sep-2026.pdf) T1 Confirmed 8. 8 MZ Regulatory Landscape & Supervising Authority 2026-09-01 ### [New Governor (Navalha) and Vice-Governor (Guimino) sworn in following a same-day reversal of an initial nominee and Zandamela's term expiry; BM opened its 8th Regulatory Sandbox call.](https://payments.gi/jurisdictions/mozambique/#mb-w1a) [Banco de Moçambique](https://www.bancomoc.mz/en/) T1 Confirmed 9. 9 GI Licensing, Authorisation & Market Access 2026-08-20 ### [Transitional UK-Gibraltar passporting extended to 31 December 2026; permanent GAR framework remains pending; UK-EU Gibraltar Treaty explicitly excludes financial-services access.](https://payments.gi/jurisdictions/gibraltar/#mb-w1a) [Financial Conduct Authority (UK)](https://www.fca.org.uk/firms/passporting-uk-gibraltar) T1 Confirmed 10. 10 NZ Operational Resilience & Critical Infrastructure 2026-08-18 ### [RBNZ payments-modernisation issues paper (~18 Aug 2026) proposes instant-payments capability overhaul; consultation closes 27 Oct 2026.](https://payments.gi/jurisdictions/new-zealand/#mb-w3) [Reserve Bank of New Zealand](https://www.rbnz.govt.nz/money-and-cash/payments) T1 Confirmed 11. 11 AE Licensing, Authorisation & Market Access 2026-08-17 ### [New CBUAE Law repeals and replaces the 2018 CBUAE Law; Article 62 requires licensing of any person/technology facilitating a Licensed Financial Activity, significantly expanding the regulatory perimeter.](https://payments.gi/jurisdictions/united-arab-emirates/#mb-w1a) [White & Case](https://www.whitecase.com/insight-alert/uae-enacts-new-cbuae-law-which-repeals-and-replaces-2018-law) T1 Confirmed 12. 12 AE Payment Corridor Dynamics 2026-08-17 ### [Aani instant-payments platform scaled to 12.5m users and 74 connected institutions with sixfold YoY volume growth; Jaywan national card scheme began live issuance July 2026; Cabinet Resolution 176M/4M/2026 authorises both rails for federal fee/fine collection.](https://payments.gi/jurisdictions/united-arab-emirates/#mb-w5) [Al Etihad Payments (CBUAE subsidiary)](https://aep.ae/en/news-media/press-releasesarticles/aani-delivers-a-transformational-leap-in-the-uae-s-digital-payments-landscape-125-million-users-and-instant-transfers-in-3-seconds/) T1 Confirmed 13. 13 ZA Operational Resilience & Critical Infrastructure 2026-08-11 ### [SARB withdrew PASA's PSMB recognition effective 2 September 2026, transferring rule-making/licensing to SARB and PayInc as part of the Payments Ecosystem Modernisation Programme.](https://payments.gi/jurisdictions/south-africa/#mb-w3) [SAnews (South African Government News Agency)](https://www.sanews.gov.za/south-africa/sarb-transfer-national-payment-management-functions) T1 Confirmed 14. 14 US-AL Conduct, Safeguarding & Financial Promotions 2026-08-10 ### [ASC published new consumer Scam Alert on payment-app fraud (Aug 10, 2026); HB303 Cryptocurrency Kiosk Fraud Prevention Act enactment status still unresolved.](https://payments.gi/jurisdictions/united-states-alabama/#mb-w1b) [Alabama Securities Commission](https://asc.alabama.gov/20234/scam-alert-payment-app-fraud/) T1 Confirmed 15. 15 AU Licensing, Authorisation & Market Access 2026-08-07 ### [RBA Review of Payments System Regulation entered prioritisation phase; Cash Distribution Framework Act 2026 commenced; ASIC digital-asset licensing deadline (30 Sept 2026) and Digital Assets Framework Act 2026 commencement (9 Apr 2027) advancing; PSB endorsed ASX FSS assessment.](https://payments.gi/jurisdictions/australia/#mb-w1a) [Reserve Bank of Australia (RBA)](https://www.rba.gov.au/media-releases/2026/mr-26-17.html) T1 Confirmed 16. 16 HU Stablecoins & Digital Money 2026-08-07 ### [Act 2026 évi XXXVIII repeals mandatory crypto-asset exchange validator certification regime effective 7 August 2026, reversing 2025 restrictions and aligning toward MiCA.](https://payments.gi/jurisdictions/hungary/#mb-w2) [Nemzeti Jogszabálytár (net.jogtar.hu) — Hungarian National Legislation Database](https://net.jogtar.hu/jogszabaly?docid=a2400007.tv) T1 Confirmed 17. 17 GG-ALD Product Innovation & Market Development 2026-08-06 ### [New Finance Sector Concierge role, further Sandbox licensing, and Alderney data-centre EOI mark active growth agenda.](https://payments.gi/jurisdictions/guernsey-alderney/#mb-w9) [GFSC](https://www.gfsc.gg/) T1 Confirmed 18. 18 CL Correspondent Banking, Settlement & Access 2026-08-05 ### [BCCh confirms continuing work to expand LBTR (RTGS) access and strengthen CCP liquidity-management requirements.](https://payments.gi/jurisdictions/chile/#mb-w12) [Banco Central de Chile (BCCh)](https://www.bcentral.cl/en/areas/financial-policy/informe-de-sistemas-de-pago) T1 Confirmed 19. 19 CL Licensing, Authorisation & Market Access 2026-08-05 ### [BCCh commits to publish stablecoin consultation framework before year-end 2026 under Ley 21.521 authority.](https://payments.gi/jurisdictions/chile/#mb-w1a) [Banco Central de Chile (BCCh)](https://www.bcentral.cl/contenido/-/detalle/publicaciones/politica-financiera/informe-de-sistemas-de-pago-agosto-2026) T1 Confirmed 20. 20 CL Conduct, Safeguarding & Financial Promotions 2026-08-01 ### [ARC mandatory authentication in force from 1 Aug 2026; coordinate-card carve-out reported to CMF.](https://payments.gi/jurisdictions/chile/#mb-w1b) [Comisión para el Mercado Financiero (CMF) Chile](https://www.cmfchile.cl/portal/prensa/625/w4-article-110879.html) T1 Confirmed 21. 21 IM Correspondent Banking, Settlement & Access 2026-07-30 ### [IOMFSA published a sanctions factsheet (30 July 2026) and ran a joint webinar on sanctions supervision and enforcement.](https://payments.gi/jurisdictions/isle-of-man/#mb-w12) [Isle of Man Financial Services Authority](https://www.iomfsa.im/fsa-news/2026/jul/authority-publishes-sanctions-factsheet) T1 Confirmed 22. 22 HK Operational Resilience & Critical Infrastructure 2026-07-29 ### [Joint cross-sectoral Cyber Mapping exercise (HKMA/SFC/IA/MPFA) plus FPS enhancement advance-notice coordination.](https://payments.gi/jurisdictions/hong-kong/#mb-w3) [MPFA (joint with HKMA, SFC, IA)](https://www.mpfa.org.hk/-/media/files/information-centre/legislation-and-regulations/circulars/mpf/20260729/cir-20260729.pdf) T1 Confirmed 23. 23 US-AK Licensing, Authorisation & Market Access 2026-07-16 ### [SB86 (Ch. 48 SLA 26) modernizes AK money-transmission licensing, adds Virtual Currency Business Activity article; SB249 (Ch. 50 SLA 26) brings VC kiosk operators within licensing perimeter effective 2026-10-01.](https://payments.gi/jurisdictions/united-states-alaska/#mb-w1a) [Alaska State Legislature](https://www.akleg.gov/basis/Bill/Detail/34?Root=SB++86) T1 Confirmed 24. 24 AFR Payment Corridor Dynamics 2026-07-09 ### [BEAC joined PAPSS 9 July 2026 (CEMAC access); Kenya's Pesalink partnered with PAPSS 26 Feb 2026; Morocco joined PAPSS July 2025 as 17th country of presence.](https://payments.gi/jurisdictions/africa/#mb-w5) [Afreximbank](https://www.afreximbank.com/la-beac-rejoint-la-papss-en-vue-de-faciliter-les-paiements-entre-la-cemac-et-le-reste-de-lafrique/) T1 Confirmed 25. 25 US-NC Licensing, Authorisation & Market Access 2026-07-08 ### [NC extends MTA licensing to virtual-currency kiosk operators via new Article 26, effective Jan 1 2027.](https://payments.gi/jurisdictions/united-states-north-carolina/#mb-w1a) [nccob.nc.gov](https://nccob.nc.gov/financial-institutions/money-transmitters/money-transmitter-frequently-asked-questions) T1 Confirmed Also tracked by financial-integrity:D5 26. 26 US-AR Commercial Intelligence (M&A, Investment & Product) 2026-07-07 ### [Bitcoin Depot Operating LLC (AR-licensed money transmitter) filed Chapter 11 and ceased AR kiosk operations; ASD initiated a consumer refund process for 19 AR consumers.](https://payments.gi/jurisdictions/united-states-arkansas/#mb-w13) [Arkansas Securities Department](https://securities.arkansas.gov/bitcoin-depot-files-for-bankruptcy-arkansas-consumers-may-be-eligible-for-compensation/) T1 Confirmed 27. 27 US-DE Licensing, Authorisation & Market Access 2026-07-07 ### [SB18 replaces the Sale of Checks Act with a new money-transmission/virtual-currency licensing regime; SB19 creates a payment-stablecoin issuer licensing framework modeled on the federal GENIUS Act; SB16 modernizes the banking code to allow fiduciary digital-asset holding.](https://payments.gi/jurisdictions/united-states-delaware/#mb-w1a) [Delaware General Assembly — Bill Detail](https://legis.delaware.gov/BillDetail/143117) T1 Confirmed Also tracked by financial-integrity:D7 28. 28 US-ME Industry Structure & Commercial Dynamics 2026-07-07 ### [Mascoma Mutual Financial Services Corp. filed to merge with Androscoggin Bancorp, MHC (July 2026); Corient Partners established Corient Maine Trust Company and applied to acquire H.M. Payson & Co. trust assets (June 2026); Bar Harbor Bank & Trust merged with Woodsville…](https://payments.gi/jurisdictions/united-states-maine/#mb-w6) [Maine Bureau of Financial Institutions](https://www.maine.gov/pfr/financialinstitutions/) T1 Confirmed 29. 29 US-TN Product Innovation & Market Development 2026-07-07 ### [Tennessee enacted a statewide virtual-currency kiosk ban (Public Chapter 766), effective July 1, 2026, upheld against an industry TRO bid.](https://payments.gi/jurisdictions/united-states-tennessee/#mb-w9) [Tennessee Attorney General](https://www.tn.gov/attorneygeneral/news/2026/7/7/pr26-26.html) T1 Confirmed Also tracked by crypto:consumer_protection, financial-integrity:D5 30. 30 BE Correspondent Banking, Settlement & Access 2026-07-03 ### [Belgian legislation entered into force strengthening NBB oversight of financial-messaging providers (e.g., Swift).](https://payments.gi/jurisdictions/belgium/#mb-w12) [National Bank of Belgium](https://www.nbb.be/en/news-events/news/nbb-report-underscores-importance-resilient-financial-market-infrastructures-amid) T1 Confirmed 31. 31 BE Licensing, Authorisation & Market Access 2026-07-03 ### [PSD3/PSR adoption timeline slips to anticipated late-2027 in-force; Belgian PI/EMI population stable at 48 institutions with licensing activity subdued pending EU-level clarity.](https://payments.gi/jurisdictions/belgium/#mb-w1a) [National Bank of Belgium](https://www.nbb.be/doc/ts/publications/fmi-and-paymentservices/latest/fmi_payments.pdf) T1 Confirmed Also tracked by financial-integrity:D5 32. 32 BD Licensing, Authorisation & Market Access 2026-07-01 ### [Gambling Prevention Act 2026 imposes account-freeze/confiscation duties directly onto MFS/payment licensees without amending the MFS Regulations 2022 themselves; BFIU had already frozen ~55,000 MFS accounts under Cyber Security Act 2026 s.20, with a further 14,000+ frozen since.](https://payments.gi/jurisdictions/bangladesh/#mb-w1a) [BSS News](https://www.bssnews.net/news/401895) T1 Confirmed Also tracked by advennt:overview 33. 33 GG-ALD Stablecoins & Digital Money 2026-07-01 ### [July 2026 tokenisation guidance and prudential stablecoin treatment for banks; dedicated statute still only signalled.](https://payments.gi/jurisdictions/guernsey-alderney/#mb-w2) [GFSC](https://www.gfsc.gg/commission/legislation-and-guidance) T1 Confirmed 34. 34 LI Licensing, Authorisation & Market Access 2026-07-01 ### [MiCAR Art.143(3) transitional window closed 1 July 2026; Art.63 CASP authorisation now mandatory; three new CASP licensees recorded (Smart Valor, Floin, Damoon Technology).](https://payments.gi/jurisdictions/liechtenstein/#mb-w1a) [FMA Liechtenstein](https://www.fma-li.li/en/financial-intermediaries/asset-management-and-markets-division/investment-firms/regulation-law) T1 Confirmed 35. 35 LU Licensing, Authorisation & Market Access 2026-07-01 ### [EU VASP transition ended 1 July 2026; CSSF migrated white-paper notifications to eDesk; Ripple granted full CASP authorisation.](https://payments.gi/jurisdictions/luxembourg/#mb-w1a) [CSSF](https://www.cssf.lu/en/2026/07/mica-transition-period-for-virtual-asset-service-providers-ended-on-1-july-2026/) T1 Confirmed Also tracked by crypto:crypto_licensing, financial-integrity:D5 36. 37 LU Conduct, Safeguarding & Financial Promotions 2026-06-30 ### [Circular 26/906 governance deadline arrived; Circular 26/915 extends DORA to third-country branches; PingPong Europe fined for AML/CFT breaches.](https://payments.gi/jurisdictions/luxembourg/#mb-w1b) [CSSF](https://www.cssf.lu/en/2026/01/new-circular-cssf-26-906-central-administration-internal-governance-and-risk-management-applicable-to-payment-and-electronic-money-institutions/) T1 Confirmed 37. 39 DK Operational Resilience & Critical Infrastructure 2026-06-26 ### [Two nationwide digital-payment outages (Jul 2025, May 2026) prompted a Payments Council-coordinated offline card contingency and greater instant-payment/cash fallback reliance.](https://payments.gi/jurisdictions/denmark/#mb-w3) [Danmarks Nationalbank](https://www.nationalbanken.dk/en/news-and-knowledge/press/archive/2026/danes-are-paying-more-digitally-making-offline-payments-an-even-more-important-contingency-26-06-2026) T1 Confirmed 38. 40 IS Payment Corridor Dynamics 2026-06-24 ### [ECB/Seðlabanki Íslands TIPS agreement signed, effective 2028 — krona becomes fifth currency settled instantly in central-bank money via TARGET Services; domestic MBK-Inst/MBK-RTGS and SEPA (non-instant) exposure confirmed.](https://payments.gi/jurisdictions/iceland/#mb-w5) [European Central Bank](https://www.ecb.europa.eu/press/pr/date/2026/html/ecb.pr260624_1~ce8e85127f.en.html) T1 Confirmed 39. 41 US-CA Conduct, Safeguarding & Financial Promotions 2026-06-22 ### [DFPI-led Tech Fraud Task Force held its first meeting June 22, 2026, an interagency conduct/consumer-protection initiative targeting technology-enabled financial fraud.](https://payments.gi/jurisdictions/united-states-california/#mb-w1b) [DFPI](https://dfpi.ca.gov/press_release/governor-newsom-convenes-the-first-meeting-of-californias-tech-fraud-task-force-to-help-strengthen-consumer-protections/) T1 Confirmed Also tracked by financial-integrity:D6 40. 42 US-GA Licensing, Authorisation & Market Access 2026-06-16 ### [DBF finalized VC-kiosk operator conditions (location reporting, fiat refunds, blockchain-analytics vendor mandate), in force ~ early July 2026.](https://payments.gi/jurisdictions/united-states-georgia/#mb-w1a) [Georgia Department of Banking and Finance (DBF)](https://dbf.georgia.gov/document/document/2026-proposed-rulemaking-5-13-2026/download) T1 Confirmed 41. 43 US-LA Licensing, Authorisation & Market Access 2026-06-09 ### [New comprehensive Money Transmission Act (HB 1230/Act 888) replaces legacy statute, effective July 1, 2026.](https://payments.gi/jurisdictions/united-states-louisiana/#mb-w1a) [Louisiana State Legislature (HB 1230)](https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1461907) T1 Confirmed 42. 44 GG-ALD Conduct, Safeguarding & Financial Promotions 2026-06-04 ### [£450k penalty (June 2026) and 'failure to prevent' corporate offences show conduct enforcement intensifying.](https://payments.gi/jurisdictions/guernsey-alderney/#mb-w1b) [GFSC](https://www.gfsc.gg/commission/enforcement/public-statements) T1 Confirmed 43. 45 MZ Correspondent Banking, Settlement & Access 2026-06-02 ### [Aviso 2/GBM/2026 re-bases connection rules to the Single Payments Network; SIMO remains the exclusive nationwide operator gating METIX access.](https://payments.gi/jurisdictions/mozambique/#mb-w12) [Banco de Moçambique](https://www.bancomoc.mz/en/the-bank/normatives/) T1 Confirmed 44. 46 US-FL Consumer Protection & APP Fraud 2026-06-01 ### [HB 505 imposes crypto-kiosk consumer protections: fraud-warning disclosures, daily transaction limits, first-transaction fraud refunds.](https://payments.gi/jurisdictions/united-states-florida/#mb-w10) [Florida House of Representatives — HB 505 IBS staff analysis](https://www.flsenate.gov/Session/Bill/2026/505/Analyses/h0505z.IBS.PDF) T1 Confirmed 45. 47 US-FL Licensing, Authorisation & Market Access 2026-06-01 ### [Florida's Ch.560 MTL regime now covers virtual-currency-kiosk operators (HB 505, eff. 2027-01-01) and payment-stablecoin issuers (CS/HB 175, eff. 2026-10-01); OFR fined a firm $155,000 for a 14-year unlicensed-transmission gap.](https://payments.gi/jurisdictions/united-states-florida/#mb-w1a) [The Florida Senate — HB 505 bill page](https://www.flsenate.gov/Session/Bill/2026/505) T1 Confirmed 46. 48 CN Industry Structure & Commercial Dynamics 2026-05-25 ### [CSRC (25 May 2026) penalised Tiger Brokers (NZ), Futu Securities (HK) and Longbridge Securities (HK) for illegal cross-border brokerage solicitation of mainland investors.](https://payments.gi/jurisdictions/china-mainland/#mb-w6) [State Council Information Office](http://english.scio.gov.cn/pressroom/2026-05/25/content_118512172.html) T1 Confirmed Also tracked by financial-integrity:D3 47. 49 US-SC Licensing, Authorisation & Market Access 2026-05-19 ### [S.163 exempts crypto mining/blockchain-software/asset-swap from MTL; H.4592 would newly bring kiosk operators into MTL scope.](https://payments.gi/jurisdictions/united-states-south-carolina/#mb-w1a) [South Carolina Legislature Online](https://www.scstatehouse.gov/sess126_2025-2026/bills/163.htm) T1 Confirmed Also tracked by crypto:crypto_licensing, financial-integrity:D5 48. 50 SG Licensing, Authorisation & Market Access 2026-05-14 ### [MAS revoked Bsquared Technology's Major Payment Institution licence effective 14 May 2026 for governance/risk-management failures and repeated misrepresentation.](https://payments.gi/jurisdictions/singapore/#mb-w1a) [Monetary Authority of Singapore](https://www.mas.gov.sg/news/media-releases/2026/mas-revokes-the-major-payment-institution-licence-of-bsquared-technology-pte-ltd) T1 Confirmed Also tracked by financial-integrity:D5 49. 51 AR Licensing, Authorisation & Market Access 2026-05-06 ### [BCRA Comunicación A 8432/2026 creates the 'PSPCP como Servicio' regulated category with new disclosure/compliance-officer/beneficial-ownership requirements.](https://payments.gi/jurisdictions/argentina/#mb-w1a) [Boletín Oficial de la República Argentina / BCRA](https://www.boletinoficial.gob.ar/detalleAviso/primera/341644/20260506) T1 Confirmed 50. 52 US-KS Licensing, Authorisation & Market Access 2026-04-30 ### [HB 2591 extends KMTA licensing to virtual-currency kiosk operators, effective July 1, 2026, with a 60-day post-effective-date grace window for unlicensed incumbents.](https://payments.gi/jurisdictions/united-states-kansas/#mb-w1a) [Kansas Register (Secretary of State)](https://sos.ks.gov/publications/Register/Volume-45/Issues/Issue-18/04-30-26-54119.html) T1 Confirmed Also tracked by crypto:crypto_licensing, financial-integrity:D5 51. 53 MM Licensing, Authorisation & Market Access 2026-04-28 ### [CBM Notification 18/2026 replaces 2019 remittance licensing framework with tighter BO/management vetting, escrow deposit, and 3-year licence validity.](https://payments.gi/jurisdictions/myanmar/#mb-w1a) [Allen & Gledhill](https://www.allenandgledhill.com/mm/publication/articles/33141/central-bank-of-myanmar-issues-new-regulation-on-foreign-remittance-business-licensing) T1 Confirmed 52. 54 US-WI Legal & Litigation 2026-04-28 ### [CFTC sued Wisconsin (28 April 2026) to block state gambling-law suits against five prediction-market platforms, asserting exclusive federal derivatives jurisdiction.](https://payments.gi/jurisdictions/united-states-wisconsin/#mb-w7) [CFTC](https://www.cftc.gov/PressRoom/PressReleases/9220-26) T1 Confirmed Also tracked by financial-integrity:D5 53. 55 GG-ALD Legal & Litigation 2026-04-24 ### [£1.96m Utmost Worldwide fine (March 2026) is the largest GFSC sanction on record, following the £455k Equiom fine (2024).](https://payments.gi/jurisdictions/guernsey-alderney/#mb-w7) [GFSC](https://www.gfsc.gg/news/enforcement) T1 Confirmed 54. 56 US-MD Licensing, Authorisation & Market Access 2026-04-24 ### [New payroll-processor MTL carve-out, repeal of mortgage/installment-loan-assignee licensing exemption, finalized/expanded virtual-currency-kiosk registration, and a bank-charter examination-fee reduction.](https://payments.gi/jurisdictions/united-states-maryland/#mb-w1a) [Office of the Commissioner of Financial Regulation](https://labor.maryland.gov/finance/fr2026legislativereview.shtml) T1 Confirmed Also tracked by financial-integrity:D2 55. 57 MH Correspondent Banking, Settlement & Access 2026-04-22 ### [Baseline established: correspondent-banking access is RMI's most acute payments vulnerability (~700 CBRs lost since 2008; sole remaining CBR under threat since 2014); FDIC final rule (eff. 22 Apr 2026) clarifies deposit-insurance coverage.](https://payments.gi/jurisdictions/marshall-islands/#mb-w12) [Federal Register (U.S. National Archives)](https://www.federalregister.gov/documents/2026/03/23/2026-05652/clarification-of-deposit-insurance-coverage-for-branches-of-us-banks-in-the-federated-states-of) T1 Confirmed 56. 58 US-TX Licensing, Authorisation & Market Access 2026-04-15 ### [TX DOB order against INX for unapproved change of control; GENIUS Act stablecoin-alignment confirmation ahead of July 18, 2026 federal deadline; Supervisory Memorandum 1037 remains operative interpretive guidance.](https://payments.gi/jurisdictions/united-states-texas/#mb-w1a) [Texas Department of Banking](https://www.dob.texas.gov/sites/default/files/files/Applications-Forms-Publications/Publications/Suns/suns04-26.pdf) T1 Confirmed 57. 59 US-NE Licensing, Authorisation & Market Access 2026-04-14 ### [LB717 payroll-processor exemption; LB838/LB1063 foreign-adversary licensure ban and informal-value-transfer-system licensure extension; MMTMA-based nationwide net-worth/surety-bond standards adopted.](https://payments.gi/jurisdictions/united-states-nebraska/#mb-w1a) [Nebraska Legislature](https://nebraskalegislature.gov/FloorDocs/109/PDF/Final/LB838.pdf) T1 Confirmed 58. 60 VE Correspondent Banking, Settlement & Access 2026-04-14 ### [OFAC GL 57 (14 Apr 2026) re-authorises BCV and named state banks for financial-services transactions, opening a path to SWIFT reintegration after seven years of correspondent-banking isolation; compliance bottlenecks at correspondent banks persist.](https://payments.gi/jurisdictions/venezuela/#mb-w12) [OFAC](https://ofac.treasury.gov/recent-actions/20260414_33) T1 Confirmed Also tracked by crypto:cross_border_transfer, financial-integrity:D1 59. 61 US-ID Licensing, Authorisation & Market Access 2026-04-09 ### [SB1359a veto preserves generic Money Transmitters Act as the sole regime for VC kiosks.](https://payments.gi/jurisdictions/united-states-idaho/#mb-w1a) [Idaho Governor's Office](https://gov.idaho.gov/pressrelease/gov-little-vetoes-five-bills/) T1 Confirmed Also tracked by crypto:consumer_protection, financial-integrity:D5 60. 62 ZM Licensing, Authorisation & Market Access 2026-04-08 ### [NPSA 2026 and BFSA 2026 consolidate payment-services and banking licensing under BoZ with new 45-day decision timelines and steep unlicensed-activity penalties.](https://payments.gi/jurisdictions/zambia/#mb-w1a) [ZambiaLII](https://zambialii.org/akn/zm/act/2026/5/eng@2026-04-08) T1 Confirmed 61. 63 US-WV Product Innovation & Market Development 2026-04-03 ### [SB 670 (DUNA Act) creates a new DAO entity-form option relevant to product/settlement innovation.](https://payments.gi/jurisdictions/united-states-west-virginia/#mb-w9) [West Virginia Legislature - SB 670 Enrolled](https://www.wvlegislature.gov/Bill_Text_HTML/2026_SESSIONS/RS/bills/sb670%20sub1%20enr.pdf) T1 Confirmed 62. 64 IM Licensing, Authorisation & Market Access 2026-04-01 ### [IOMFSA consolidated Fees Orders into a single 2026 order effective 1 April 2026; new Financial Services Licence issued to Novara Limited 1 September 2026.](https://payments.gi/jurisdictions/isle-of-man/#mb-w1a) [Isle of Man Cabinet Office (Citizen Space consultation)](https://consult.gov.im/financial-services-authority/iom-financial-services-authority-fees-order-2026/) T1 Confirmed 63. 65 US-WV Licensing, Authorisation & Market Access 2026-03-14 ### [HB 5353 folds virtual-currency kiosks into the Chapter 32A money-transmission regime.](https://payments.gi/jurisdictions/united-states-west-virginia/#mb-w1a) [West Virginia Legislature - HB 5353](https://www.wvlegislature.gov/Bill_Status/bills_text.cfm?billdoc=hb5353+sub1.htm&yr=2026&sesstype=RS&i=5353) T1 Confirmed 64. 66 LT Licensing, Authorisation & Market Access 2026-03-06 ### [PAYTEND EUROPE licence revocation, 2026 inspection plan, and fintech dialogue channel introduction.](https://payments.gi/jurisdictions/lithuania/#mb-w1a) [Bank of Lithuania (Lietuvos bankas)](https://www.lb.lt/en/fs-electronic-money-institutions) T1 Confirmed 65. 67 CA-QC Product Innovation & Market Development 2026-03-01 ### [OSC, AMF and CIRO jointly approved 'Project Samara' regulatory-sandbox pilot (March 2026) with RBC Dominion Securities, RBC Investor Services Trust, TD Securities, Bank of Canada and EDC.](https://payments.gi/jurisdictions/canada-quebec/#mb-w9) [Gouvernement du Québec (AMF news)](https://www.quebec.ca/en/news/actualites/detail/osc-amf-and-ciro-approved-first-of-its-kind-financial-services-platform-test-in-canada-68887) T1 Confirmed 66. 68 CI Licensing, Authorisation & Market Access 2026-02-28 ### [BCEAO authorised 31 new payment establishments UEMOA-wide effective 28 Feb 2026 under Instruction n001-01-2024; 9 domiciled in CI. A single agrement is valid across all eight UEMOA states.](https://payments.gi/jurisdictions/ivory-coast-uemoa-bloc/#mb-w1a) [Direction Generale du Tresor et de la Comptabilite Publique (CI)](https://tresor.gouv.ci/tres/espace-uemoa-monnaie-electronique-la-bceao-agree-31-nouveaux-etablissements-dont-09-en-cote-divoire/) T1 Confirmed 67. 69 MZ Instant / Real-Time Retail Payment Rails 2026-02-25 ### [METIX moved from regulatory approval (Notice 1/GBM/2026) to live nationwide operation, with fee-free individual interbank transfers.](https://payments.gi/jurisdictions/mozambique/#mb-w9) [Banco de Moçambique](https://www.bancomoc.mz/en/media/highlights/notice-no-1-gbm-2026-establishes-the-mozambique-instant-payment-system-and-approves-its-regulation/) T1 Confirmed 68. 70 BG Correspondent Banking, Settlement & Access 2026-02-06 ### [BNB became a full Eurosystem shareholder on 1 January 2026; Bulgarian banks gained direct TARGET2/TIPS settlement access, ending reliance on correspondent BGN clearing arrangements.](https://payments.gi/jurisdictions/bulgaria/#mb-w12) [European Central Bank](https://www.ecb.europa.eu/press/blog/date/2026/html/ecb.blog20260206~9124ac61e7.en.html) T1 Confirmed 69. 71 MZ Payment Statistics & Regulatory Reporting 2026-01-27 ### [Backfilled Circular 01/EMO/2026 sets new payment-statistics reporting terms and a 90-day parallel-reporting transition.](https://payments.gi/jurisdictions/mozambique/#mb-w10) [Banco de Moçambique](https://www.bancomoc.mz/en/media/highlights/circular-no-01-emo-2026-of-27-january-statistics-on-payment-means-and-instruments-channels-for-access-to-financial-services-and-securities/) T1 Confirmed 70. 72 PA Licensing, Authorisation & Market Access 2026-01-16 ### [Anteproyecto de Ley 314 would create tiered PSP/EMI/VASP licence categories with proportional capital, governance and reporting requirements; SBP Rule 1-2026 tightens account-opening documentary requirements ahead of any dedicated licence existing.](https://payments.gi/jurisdictions/panama/#mb-w1a) [Superintendencia de Bancos de Panamá (SBP)](https://www.superbancos.gob.pa/en/node/1652) T1 Confirmed Also tracked by financial-integrity:D7 71. 73 BG Operational Resilience & Critical Infrastructure 2026-01-01 ### [Euro adoption on 1 January 2026 decommissioned BGN RINGS/BISERA6 clearing systems; migration to SEPA/TARGET rails.](https://payments.gi/jurisdictions/bulgaria/#mb-w3) [European Central Bank](https://www.ecb.europa.eu/press/economic-bulletin/focus/2026/html/ecb.ebbox202508_01~b4379b735b.en.html) T1 Confirmed 72. 74 CN Licensing, Authorisation & Market Access 2026-01-01 ### [PBOC Action Plan (eff. 1 Jan 2026) reclassifies e-CNY bank wallet balances as deposit liabilities; non-bank institutions remain at 100% reserve requirement — a material bank/non-bank prudential bifurcation.](https://payments.gi/jurisdictions/china-mainland/#mb-w1a) [gov.cn (State Council)](https://english.www.gov.cn/news/202512/29/content_WS69526d4ec6d00ca5f9a08511.html) T1 Confirmed 73. 75 CO Conduct, Safeguarding & Financial Promotions 2026-01-01 ### [BanRep tightened incident-transparency and user-notification obligations for Bre-B participants in 2026.](https://payments.gi/jurisdictions/colombia/#mb-w1b) [Banco de la República](https://www.banrep.gov.co/en/news/new-regulatory-measures-bre-b) T1 Confirmed 74. 76 CO Payment Corridor Dynamics 2026-01-01 ### [Bre-B scaled to 218 participating entities by January 2026 and over 500 million transactions / 100 million payment keys by mid-2026.](https://payments.gi/jurisdictions/colombia/#mb-w5) [Banco de la República](https://www.banrep.gov.co/en/blog/bre-b-brief-history-interoperated-instant-payment-system) T1 Confirmed 75. 77 PE Licensing, Authorisation & Market Access 2026-01-01 ### [BCRP recognises a new 'entidades de servicios de pago' PSP category; SBS approves BaaS framework and flexibilises EDE/ETF licensing timelines (~40% reduction); sandbox rule amended to remove prior-authorisation requirement.](https://payments.gi/jurisdictions/peru/#mb-w1a) [El Peruano](https://elperuano.pe/noticia/299251-pagos-digitales-y-regulacion-conoce-los-cambios-regulatorios-que-vienen-en-peru) T1 Confirmed 76. 78 US-IL Licensing, Authorisation & Market Access 2026-01-01 ### [205 ILCS 658 (Uniform Money Transmission Modernization Act) supersedes 205 ILCS 657, effective 1 January 2026, raising bond/net-worth floors and adding a payroll-processing safe harbor.](https://payments.gi/jurisdictions/united-states-illinois/#mb-w1a) [Illinois General Assembly](https://ilga.gov/documents/legislation/publicacts/103/PDF/103-0991.pdf) T1 Confirmed Also tracked by financial-integrity:D7 77. 79 US-NH Licensing, Authorisation & Market Access 2026-01-01 ### [RSA 399-G:39 transition-period shield expired 1/1/2026; HB639 carves crypto node/mining/staking out of MTL licensing.](https://payments.gi/jurisdictions/united-states-new-hampshire/#mb-w1a) [New Hampshire General Court](https://gc.nh.gov/rsa/html/XXXVI/399-G/399-G-39.htm) T1 Confirmed 78. 80 US-CO Licensing, Authorisation & Market Access 2025-12-18 ### [MTMA (HB25-1201) repealed/re-enacted money-transmission licensing scope; Dec 2025 interim guidance brings virtual-currency businesses into licensing scope.](https://payments.gi/jurisdictions/united-states-colorado/#mb-w1a) [Colorado Division of Banking](https://banking.colorado.gov/sites/banking/files/documents/Interim_Guidance_Cryptocurrency_and_the_MTMA_Final_12.18.25.pdf) T1 Confirmed Also tracked by crypto:crypto_licensing, financial-integrity:D5 79. 81 US-NH Product Innovation & Market Development 2025-12-12 ### [NH Lottery exercised DraftKings contract extension raising promo-deduction cap 10%→40% of retail GGR — a material change to the payment-flow/rebate mechanics of NH's only regulated online-wagering rail.](https://payments.gi/jurisdictions/united-states-new-hampshire/#mb-w9) [NH Governor & Executive Council](https://media.sos.nh.gov/govcouncil/2026/0211/49%20GC%20Agenda%20021126.pdf) T1 Confirmed 80. 82 MH Stablecoins & Digital Money 2025-12-04 ### [Baseline established: 2018 Sovereign Currency Act repealed Aug 2025; Lomalo/USDM1 launched Nov-Dec 2025 as US-Treasury-collateralised digital sovereign bond; IMF opposes further global scaling.](https://payments.gi/jurisdictions/marshall-islands/#mb-w2) [International Monetary Fund](https://www.imf.org/en/news/articles/2025/12/04/pr-25406-republic-of-the-marshall-islands-imf-concludes-2025-article-iv-consultation) T1 Confirmed 81. 83 CA Licensing, Authorisation & Market Access 2025-09-08 ### [Bank of Canada PSP registry live since Sept 2025 with rolling updates; June 2026 updated registration-criteria guidance clarifies four-part scope test; national-security screening ongoing for a subset of applicants.](https://payments.gi/jurisdictions/canada/#mb-w1a) [Bank of Canada](https://www.bankofcanada.ca/2025/08/update-on-payment-service-providers-registry/) T1 Confirmed 82. 84 CA Conduct, Safeguarding & Financial Promotions 2025-09-08 ### [Registered PSPs must have risk-management and funds-safeguarding frameworks in place since Sept 8, 2025, per Bank of Canada finalized safeguarding guideline; annual report obligation to the Bank.](https://payments.gi/jurisdictions/canada/#mb-w1b) [Bank of Canada](https://www.bankofcanada.ca/regulatory-oversight/retail-payments/) T1 Confirmed 83. 85 CA-AB Licensing, Authorisation & Market Access 2025-09-08 ### [RPAA/RPAR regime now fully operational with public registry, first annual reports due, and CDBA Royal Assent.](https://payments.gi/jurisdictions/canada-alberta/#mb-w1a) [Bank of Canada](https://www.bankofcanada.ca/regulatory-oversight/retail-payments/) T1 Confirmed 84. 86 CA-NB Licensing, Authorisation & Market Access 2025-09-08 ### [Federal RPAA registration mandatory since Nov 2024; risk-management and funds-safeguarding frameworks and annual reporting required since 8 Sept 2025 for all PSPs, including those serving NB.](https://payments.gi/jurisdictions/canada-new-brunswick/#mb-w1a) [Bank of Canada](https://www.bankofcanada.ca/regulatory-oversight/) T1 Confirmed 85. 87 US-PA Licensing, Authorisation & Market Access 2025-08-26 ### [PA Act 7 of 2025 brings virtual-currency transmission into the state MTA licensing perimeter, effective August 26, 2025.](https://payments.gi/jurisdictions/united-states-pennsylvania/#mb-w1a) [Pennsylvania Bulletin / Dept. of Banking and Securities](https://www.pacodeandbulletin.gov/Display/pabull?file=/secure/pabulletin/data/vol55/55-32/1057.html) T1 Confirmed Also tracked by crypto:crypto_licensing 86. 88 FR Conduct, Safeguarding & Financial Promotions 2025-08-01 ### [France's APP fraud rose 37% YoY in H1 2025 to €618.4m (40% of total fraud value); PSR introduces cascading liability mechanism across the payments value chain.](https://payments.gi/jurisdictions/france/#mb-w1b) [Payplug (citing Banque de France Observatoire)](https://www.payplug.com/blog/psd3/) T1 Confirmed 87. 89 UA Licensing, Authorisation & Market Access 2025-07-25 ### [NBU Resolution No. 32 (31 March 2026) simplified PISP payment-instruction requirements, amending the Open Banking Regulation No. 80/2025.](https://payments.gi/jurisdictions/ukraine/#mb-w1a) [National Bank of Ukraine](https://bank.gov.ua/admin_uploads/law/25072025_80.pdf?v=14) T1 Confirmed 88. 91 NZ Licensing, Authorisation & Market Access 2025-07-17 ### [Commerce Commission interchange-fee decision took effect 17 Jul 2025; Visa/Mastercard designated networks under Retail Payment System Act 2022.](https://payments.gi/jurisdictions/new-zealand/#mb-w1a) [Commerce Commission](https://www.comcom.govt.nz/regulated-industries/projects/retail-payment-system/) T1 Confirmed 89. 92 US-CT Consumer Protection & APP Fraud 2025-07-10 ### [DCP concluded multi-year DraftKings marketing investigation: ~$3.01M repayment to over 7,000 CT customers plus $50,000 to DCP enforcement fund, annual compliance reporting through 2031.](https://payments.gi/jurisdictions/united-states-connecticut/#mb-w10) [Connecticut Department of Consumer Protection](https://portal.ct.gov/dcp/news-releases-from-the-department-of-consumer-protection/2025-news-releases/draftkings-agrees-to-voluntarily-return-3-million-to-connecticut-consumers) T1 Confirmed 90. 93 MX Correspondent Banking, Settlement & Access 2025-06-25 ### [FinCEN special measures against CIBanco, Intercam and Vector effective July 2025, amended/extended 16 April 2026; CNBV took over management of the three institutions.](https://payments.gi/jurisdictions/mexico/#mb-w12) [Federal Register / FinCEN](https://www.federalregister.gov/documents/2026/04/16/2026-07416/imposition-of-special-measure-prohibiting-certain-transmittals-of-funds-involving-cibanco-sa) T1 Confirmed 91. 94 UK Consumer Protection & APP Fraud 2025-05-01 ### [PSR mandatory APP-fraud reimbursement regime delivered net-positive first-year outcome; December 2026 consultation scheduled.](https://payments.gi/jurisdictions/united-kingdom/#mb-w10) [Payment Systems Regulator (PSR)](https://www.psr.org.uk/media/rhelv4op/ps25-5-app-scams-reimbursement-consolidated-policy-statement-may-2025.pdf) T1 Confirmed 92. 95 CA-QC Licensing, Authorisation & Market Access 2025-04-01 ### [Revenu Québec MSB licence dual-regime with new cryptoasset-ATM category (1 Apr 2025); AMF fees adjusted 2.05%-2.4% effective 1 Jan 2026.](https://payments.gi/jurisdictions/canada-quebec/#mb-w1a) [Revenu Québec](https://www.revenuquebec.ca/en/businesses/sector-specific-measures/money-services-businesses-msbs/renewing-and-updating-msbs/) T1 Confirmed 93. 96 CH Industry Structure & Commercial Dynamics 2025-03-18 ### [BX Digital became the first FINMA-authorised DLT trading facility, settling tokenised assets on Ethereum with SIC-connected delivery-versus-payment.](https://payments.gi/jurisdictions/switzerland/#mb-w6) [FINMA](https://www.finma.ch/en/news/2025/03/20250318-mm-dlt-handelssystem/) T1 Confirmed 94. 97 IT Scheme & Network Compliance 2025-01-09 ### [Instant Credit Transfer obligations under Reg. (EU) 2024/886 confirmed live for PSPs; TIPS settlement infrastructure and 2023 adoption-gap data confirmed.](https://payments.gi/jurisdictions/italy/#mb-w4) [Banca d'Italia](https://www.bancaditalia.it/compiti/sispaga-mercati/comitato-pagamenti-italia/bonifici-istantanei/index.html?com.dotmarketing.htmlpage.language=1) T1 Confirmed 95. 98 NP Licensing, Authorisation & Market Access 2025-01-01 ### [15th amendment to Unified Directive on Payment Systems 2025 mandates National ID verification for digital wallets (effective 17 Oct 2026) and beneficial-ownership disclosure for PSP investors/owners exceeding 5% of paid-up capital or NPR 5m.](https://payments.gi/jurisdictions/nepal/#mb-w1a) [Nepal Rastra Bank - Payment Systems Department](https://www.nrb.org.np/contents/uploads/2025/01/Payment-Oversight-Report-2023-24.pdf) T1 Confirmed 96. 99 US-CO Merchant Acquiring & Risk 2025-01-01 ### [SB26-131 bans credit-card deposits and caps sports-betting deposits at six per gaming day, effective 2026-08-12, a payment-acceptance restriction affecting acquirers/PSPs serving the gambling vertical.](https://payments.gi/jurisdictions/united-states-colorado/#mb-w8) [Colorado General Assembly](https://leg.colorado.gov/bills/sb25-079) T1 Confirmed Also tracked by crypto:consumer_protection 97. 100 SK Payment Corridor Dynamics 2024-12-31 ### [Instant payments reached 27% of SEPA transfer volume in Slovakia at end-2024 and continue growing; seven banks actively provide instant payments without surcharge.](https://payments.gi/jurisdictions/slovakia/#mb-w5) [Národná banka Slovenska — Instant Payments](https://nbs.sk/en/instant-payments/) T1 Confirmed 98. 101 NO Operational Resilience & Critical Infrastructure 2024-11-28 ### [Norges Bank signed a Nov 2024 ECB agreement to join TIPS for instant NOK settlement and began Feb 2025 investigation into joining T2 RTGS, with a 2026 decision basis targeted for NBO INST.](https://payments.gi/jurisdictions/norway/#mb-w3) [European Central Bank](https://www.ecb.europa.eu/press/intro/news/html/ecb.mipnews250206.ga.html) T1 Confirmed 99. 102 EC Licensing, Authorisation & Market Access 2024-09-04 ### [JPRM-2024-018-M (4 Sept 2024) comprehensively reformed the Ley Fintech implementation, requiring SEDPES to obtain BCE authorisation before Superintendencia de Bancos issues the fintech licence.](https://payments.gi/jurisdictions/ecuador/#mb-w1a) [Junta de Política y Regulación Monetaria / gob.ec](https://www.gob.ec/sites/default/files/regulations/2024-11/JPRM-2024-018-M_lexis.pdf) T1 Confirmed 100. 103 US-HI Licensing, Authorisation & Market Access 2024-07-01 ### [Hawaii's crypto MTL exemption persists via regulator determination (not statute); SB2757 (2026) proposes a new Digital Asset Charter regime.](https://payments.gi/jurisdictions/united-states-hawaii/#mb-w1a) [Governor Josh Green Newsroom / DCCA](https://governor.hawaii.gov/newsroom/dcca-release-hawaii-digital-currency-innovation-lab-to-conclude/) T1 Confirmed Also tracked by crypto:crypto_licensing ## Regulatory horizon - AFR [SARB non-bank PSP authorisation framework consultation closes](https://payments.gi/jurisdictions/africa/) closed 2026-06-15 quarter - AFR [SARB opens national payment system to licensed non-banks](https://payments.gi/jurisdictions/africa/) 2026-Q3 half year - APAC [RBI PA Directions wind-up provision for non-compliant PAs in force](https://payments.gi/jurisdictions/asia-pacific/) closed 2026-02-28 quarter - APAC [India PA merchant-KYC compliance grace period ends](https://payments.gi/jurisdictions/asia-pacific/) 2026-09-15 quarter - AT [PSD3/PSR national transposition expected](https://payments.gi/jurisdictions/austria/) 2026-Q4 year - AT [Instant Payments Regulation final phased compliance deadline](https://payments.gi/jurisdictions/austria/) 2028-06-09 multi year - AU [RBA to publish regulatory-priorities list (Review of Payments System Regulation)](https://payments.gi/jurisdictions/australia/) 2026-Q4 quarter - AU [RBA further consultation on prioritised payments-system-regulation issues](https://payments.gi/jurisdictions/australia/) 2027-Q2 half year - AU [ASIC digital-asset no-action position expiry / AFS licensing deadline](https://payments.gi/jurisdictions/australia/) 2026-09-30 quarter - AU [Corporations Amendment (Digital Assets Framework) Act 2026 full commencement](https://payments.gi/jurisdictions/australia/) 2027-04-09 quarter - AU [Civil/criminal penalty exposure begins for non-compliant digital-asset firms](https://payments.gi/jurisdictions/australia/) 2026-10-01 quarter - BE [PSD3/PSR anticipated entry into force with transitional licensing provisions](https://payments.gi/jurisdictions/belgium/) 2027-Q4 half year - BG [SEPA Instant Payments Regulation compliance deadline for Bulgarian PSPs](https://payments.gi/jurisdictions/bulgaria/) 2027-01-01 quarter - CA-AB [RPAA first annual PSP reports due](https://payments.gi/jurisdictions/canada-alberta/) closed 2026-03-31 quarter - CA-AB [Real-Time Rail targeted 2026 launch](https://payments.gi/jurisdictions/canada-alberta/) 2026-Q4 half year - CA-AB [Consumer-Driven Banking Act commencement pending Governor in Council orders](https://payments.gi/jurisdictions/canada-alberta/) 2026-Q4 year - CA-BC [BC MSB Act coming-into-force / registration deadline](https://payments.gi/jurisdictions/canada-british-columbia/) 2026-Q4 year - CA-ON [Consumer-Driven Banking Regulations consultation closes](https://payments.gi/jurisdictions/canada-ontario/) closed 2026-08-26 quarter - CA-ON [First RPAA annual PSP safeguarding report deadline](https://payments.gi/jurisdictions/canada-ontario/) closed 2026-03-31 quarter - CH [FinIA reform: Payment Instrument Institution / Crypto Institution licences](https://payments.gi/jurisdictions/switzerland/) 2027 year - CH [SIC5 full participant coverage mandate](https://payments.gi/jurisdictions/switzerland/) 2026-Q4 quarter - CI [PI-SPI mandatory connection deadline](https://payments.gi/jurisdictions/ivory-coast-uemoa-bloc/) closed 2026-06-30 quarter - CI [UEMOA payment-systems oversight framework revision (BIS PFMI alignment)](https://payments.gi/jurisdictions/ivory-coast-uemoa-bloc/) 2026-Q4 half year - CL [BCCh stablecoin regulatory framework for consultation expected](https://payments.gi/jurisdictions/chile/) 2026-Q4 half year - CO [Additional SPBVI operators (Drixi, Gou Payments) expected to join Bre-B](https://payments.gi/jurisdictions/colombia/) 2026-Q4 half year - CW [Curacao PSP supervision ordinance expected enactment](https://payments.gi/jurisdictions/curacao/) 2027-H1 year - DE [EU Consumer Credit Directive (2023/2225) application date in Germany](https://payments.gi/jurisdictions/germany/) 2026-11-20 quarter - DE [DTAZV phase-out in Germany](https://payments.gi/jurisdictions/germany/) 2026-Q4 quarter - DE [Digital Euro expected launch window](https://payments.gi/jurisdictions/germany/) 2028 multi year - DK [PSD3/PSR finalisation and DK transposition](https://payments.gi/jurisdictions/denmark/) 2026-Q2 half year - DZ [Bank of Algeria fintech regulatory sandbox launch](https://payments.gi/jurisdictions/algeria/) 2026-Q4 half year - EEA [PSD3/PSR published, entry into force with 21-month transition](https://payments.gi/jurisdictions/european-economic-area/) 2026-Q3 half year - EG [CBE PSO/PSP licensing transition period ends](https://payments.gi/jurisdictions/egypt/) closed 2026-06 quarter - EG [Khazna targets full digital banking licence](https://payments.gi/jurisdictions/egypt/) 2026-Q2 half year - EG [Banque Misr 'onebank' targeted 2026 launch](https://payments.gi/jurisdictions/egypt/) closed 2026 year - ES [PSD3 expected in Spain](https://payments.gi/jurisdictions/spain/) 2026-Q4 half year - ES [FIDA (Financial Data Access Regulation) expected](https://payments.gi/jurisdictions/spain/) 2027 year - ES [National offline card-payment continuity system nationwide rollout](https://payments.gi/jurisdictions/spain/) 2029 multi year - FI [PSD3/PSR final text and entry into force](https://payments.gi/jurisdictions/finland/) 2027 year - FR [PSD3/PSR formal Official Journal publication](https://payments.gi/jurisdictions/france/) 2026-Q2 half year - FR [Factur-X B2B e-invoicing issuing-side mandate phase-in](https://payments.gi/jurisdictions/france/) 2027 year - GG-ALD [Next MONEYVAL Mutual Evaluation of Guernsey](https://payments.gi/jurisdictions/guernsey-alderney/) 2027 year - GI [GFSC Consumer Duty scope expansion to all retail customers](https://payments.gi/jurisdictions/gibraltar/) 2027 multi year - GI [Permanent Gibraltar Authorisation Regime (GAR) to supersede transitional passporting](https://payments.gi/jurisdictions/gibraltar/) 2026-Q4 half year - GIB [Gibraltar-UK transitional passporting extension expires](https://payments.gi/jurisdictions/gibraltar/) 2026-12-31 quarter - GIB [Permanent Gibraltar Authorisation Regime (GAR) operability](https://payments.gi/jurisdictions/gibraltar/) 2027 year - GIB [Gibraltar MONEYVAL 6th-round mutual evaluation](https://payments.gi/jurisdictions/gibraltar/) 2027 year - GIB [GFSC Consumer Duty scope expansion to all retail customers](https://payments.gi/jurisdictions/gibraltar/) 2027 half year - GR [PSD3 / PSR EU-level application expected](https://payments.gi/jurisdictions/greece/) 2027-Q3 year - HR [CCD2 (BNPL) transposition obligations apply](https://payments.gi/jurisdictions/croatia/) 2026-11-20 quarter - HU [BNPL/Consumer-Credit Amendment Act (EU CCD2 transposition) enters into force](https://payments.gi/jurisdictions/hungary/) 2026-11-20 quarter - ID [BI QRIS '17-8-45' 2026 roadmap targets](https://payments.gi/jurisdictions/indonesia/) 2026-Q4 half year - IE [PSD3/PSR formal adoption and OJEU publication](https://payments.gi/jurisdictions/ireland/) 2026-Q2 quarter - IE [PSD3/PSR application date after transition](https://payments.gi/jurisdictions/ireland/) 2027-Q3 year - IN [Offline PA authorisation deadline](https://payments.gi/jurisdictions/india/) closed 2025-12-31 quarter - IN [Extended merchant-CDD compliance deadline](https://payments.gi/jurisdictions/india/) 2026-09-15 quarter - IN [PA-CB net-worth threshold deadline](https://payments.gi/jurisdictions/india/) closed 2026-03-31 quarter - IS [Iceland joins TIPS instant-settlement system](https://payments.gi/jurisdictions/iceland/) 2028 multi year - IT [Verification of Payee mandatory eurozone-wide (SEPA Instant)](https://payments.gi/jurisdictions/italy/) closed 2025-10-09 quarter - IT [Instant Credit Transfer PSP obligations under IPR](https://payments.gi/jurisdictions/italy/) closed 2025-01-09 quarter - JP [Next-generation Zengin settlement system target launch](https://payments.gi/jurisdictions/japan/) 2030 multi year - JP [Global SWIFT MT coexistence deadline (ISO 20022 cutover)](https://payments.gi/jurisdictions/japan/) 2026-11 quarter - KE [2026 Finance Bill PSP-services VAT and mobile-phone excise proposal](https://payments.gi/jurisdictions/kenya/) 2026-Q4 quarter - KH [NBC CASP-licensing and bank cryptoasset-exposure implementing regulations](https://payments.gi/jurisdictions/cambodia/) 2026-Q4 half year - KZ [Digital-tenge mandatory-use commencement for budget expenditure](https://payments.gi/jurisdictions/kazakhstan/) closed 2026-08-01 quarter - LATAM [BCB eFX international-payment authorisation consultation (124/2025)](https://payments.gi/jurisdictions/latin-america/) 2026-Q4 half year - LATAM [BCB activity-tied minimum-capital rule full phase-in](https://payments.gi/jurisdictions/latin-america/) 2028-01 multi year - LATAM [Mandatory NFC Pix (tap-to-pay) requirement](https://payments.gi/jurisdictions/latin-america/) closed 2026-04-22 quarter - LATAM [Mandatory hybrid billing (QR/boleto)](https://payments.gi/jurisdictions/latin-america/) 2026-11 quarter - LATAM [VASP 24-hour outbound transfer fraud hold above US$10,000](https://payments.gi/jurisdictions/latin-america/) 2027-01-01 quarter - LV [Credit Institutions Law amendment in force](https://payments.gi/jurisdictions/latvia/) closed 2026-01-06 quarter - MA [BAM interchange-fee cap reduction takes effect](https://payments.gi/jurisdictions/morocco/) 2026-10-01 quarter - MA [Open Banking framework expected](https://payments.gi/jurisdictions/morocco/) 2026-Q4 half year - MA [CMI government-contract transfer deadline](https://payments.gi/jurisdictions/morocco/) closed 2026-04-30 quarter - MO [e-MOP digital pataca (CBDC) completion targeted H1 2026](https://payments.gi/jurisdictions/macau-sar/) 2026-H1 half year - MX [Banxico mobile-transfer UX standardisation deadline](https://payments.gi/jurisdictions/mexico/) 2026-12-31 quarter - MX [FinCEN special measures amended effective-date extension](https://payments.gi/jurisdictions/mexico/) closed 2026-04-16 quarter - NG [PSSP/Switching TMS integration deadline](https://payments.gi/jurisdictions/nigeria/) 2026-Q3 quarter - NG [Payments-sector restructuring deadline (UBO/ownership concentration)](https://payments.gi/jurisdictions/nigeria/) 2026-12 quarter - NG [Payments data-localisation deadline](https://payments.gi/jurisdictions/nigeria/) 2027-01 quarter - NG [POS agent geo-tagging/location-compliance tightening](https://payments.gi/jurisdictions/nigeria/) closed 2026-04 quarter - NL [PSD3/PSR formal EU entry into force](https://payments.gi/jurisdictions/netherlands/) 2027-Q1 half year - NL [CRD6 Dutch transposition deadline](https://payments.gi/jurisdictions/netherlands/) closed 2026-01-10 quarter - NL [CRD6 third-country-branch regime effective](https://payments.gi/jurisdictions/netherlands/) 2027-01-11 quarter - NL [Wero fully replaces iDEAL](https://payments.gi/jurisdictions/netherlands/) 2027-Q4 year - NO [Norges Bank NBO INST decision basis targeted for 2026](https://payments.gi/jurisdictions/norway/) 2026-Q4 half year - NO [TIPS integration projected to link NOK/EUR real-time settlement by 2028](https://payments.gi/jurisdictions/norway/) 2028-Q1 multi year - NO [PSD3 expected to hard-wire fraud-mitigation APIs in 2026](https://payments.gi/jurisdictions/norway/) 2026-Q4 half year - NP [National ID verification for digital wallets becomes mandatory](https://payments.gi/jurisdictions/nepal/) 2026-10-17 quarter - NZ [RBNZ payments-modernisation consultation submissions close](https://payments.gi/jurisdictions/new-zealand/) 2026-10-27 quarter - PA [Anteproyecto de Ley 314 fintech framework law progression](https://payments.gi/jurisdictions/panama/) 2026-Q4 half year - PE [BCRP Circular 0017-2026 interoperability mandate enters force](https://payments.gi/jurisdictions/peru/) 2026-09-13 quarter - PE [BCRP TAPP instant-payments platform pilot](https://payments.gi/jurisdictions/peru/) 2026-Q4 half year - PT [PSD3/PSR final compromise text approval](https://payments.gi/jurisdictions/portugal/) closed 2026-04-23 quarter - PT [PSD3 EMI reauthorisation as PI deadline](https://payments.gi/jurisdictions/portugal/) 2027-Q4 multi year - QA [QCB open-banking interoperability standards and unified consent model expected](https://payments.gi/jurisdictions/qatar/) 2026-Q4 half year - RO [PSD3/PSR formal EU adoption and Official Journal publication](https://payments.gi/jurisdictions/romania/) 2026-Q2 half year - RS [EU-accession payment-systems access reform (draft)](https://payments.gi/jurisdictions/serbia/) 2026-Q4 year - RS [Card-delivery-evidence obligation for DinaCard issuers (draft)](https://payments.gi/jurisdictions/serbia/) 2026-Q4 year - RU [Digital-ruble mandatory transaction capability for systemically important banks](https://payments.gi/jurisdictions/russia/) closed 2026-09-01 quarter - RU [Digital-ruble mandate extends to universal-licence banks and mid-size retailers](https://payments.gi/jurisdictions/russia/) 2027-09-01 year - RU [Digital-ruble mandate extends to remaining banks and small retailers](https://payments.gi/jurisdictions/russia/) 2028-09-01 year - SA [New Enforcement Law bills-of-exchange registration requirement enters force](https://payments.gi/jurisdictions/saudi-arabia/) 2026-10-28 quarter - SE [Riksbank instant-payments market expectation deadline](https://payments.gi/jurisdictions/sweden/) 2027-03 half year - SE [Swedish PSD3 national transposition](https://payments.gi/jurisdictions/sweden/) 2027-Q3 year - SI [IPR PSP reporting provisions begin applying](https://payments.gi/jurisdictions/slovenia/) closed 2026 year - SI [IPR full applicability for non-euro Member States and all PSPs](https://payments.gi/jurisdictions/slovenia/) 2027 year - SN [PI-SPI instant-payment interoperability deadline](https://payments.gi/jurisdictions/senegal/) 2026-09-30 quarter - TN [Code des Changes bill targeted for pre-summer-2026-recess vote](https://payments.gi/jurisdictions/tunisia/) 2026-Q3 half year - TN [OFT Tunisie operational launch window (6 months from notification)](https://payments.gi/jurisdictions/tunisia/) 2026-Q3 quarter - TZ [Mandatory electronic-payments order already in force](https://payments.gi/jurisdictions/tanzania/) closed 2026-07-01 quarter - UAE [New CBUAE Law full compliance deadline for newly-in-scope entities](https://payments.gi/jurisdictions/united-arab-emirates/) 2026-09-16 quarter - UAE [Ongoing rollout of RPSCS-replacement sub-regulations under the New CBUAE Law](https://payments.gi/jurisdictions/united-arab-emirates/) 2026-Q4 half year - UG [BoU Second National E-Payments Strategy (2026-2031) with NPS Act review](https://payments.gi/jurisdictions/uganda/) 2026-Q4 half year - UK [PSR reimbursement-regime formal consultation](https://payments.gi/jurisdictions/united-kingdom/) 2026-12 quarter - UK [PSR abolition and FCA consolidation completion](https://payments.gi/jurisdictions/united-kingdom/) 2026-Q4 half year - US-AK [Alaska SB249 virtual-currency kiosk licensing effective](https://payments.gi/jurisdictions/united-states-alaska/) 2026-10-01 quarter - US-CA [SB 505 digital-wallet security requirements](https://payments.gi/jurisdictions/united-states-california/) 2026-Q4 half year - US-CT [CT Digital Currency Kiosk Consumer Protection Regime full effect](https://payments.gi/jurisdictions/united-states-connecticut/) closed 2026-06-09 quarter - US-DE [Delaware SB18/SB19 implementing regulations](https://payments.gi/jurisdictions/united-states-delaware/) 2027-Q1 year - US-FL [Florida virtual-currency-kiosk registration in force](https://payments.gi/jurisdictions/united-states-florida/) 2027-01-01 quarter - US-FL [Florida payment stablecoin issuer MSB sub-category in force](https://payments.gi/jurisdictions/united-states-florida/) 2026-10-01 quarter - US-GA [Georgia VC Kiosk Final Rule enters into force](https://payments.gi/jurisdictions/united-states-georgia/) 2026-Q3 quarter - US-HI [Hawaii SB2757 Digital Asset Charters](https://payments.gi/jurisdictions/united-states-hawaii/) 2027-Q1 year - US-IA [Illinois and Virginia MTMA adoption timeline relative to Iowa's early adoption](https://payments.gi/jurisdictions/united-states-iowa/) 2026-Q3 half year - US-ID [Possible redrafted Idaho Virtual Currency Kiosk Fraud Prevention Act](https://payments.gi/jurisdictions/united-states-idaho/) 2027-Q1 year - US-IN [Indiana crypto retirement-plan brokerage mandate effective](https://payments.gi/jurisdictions/united-states-indiana/) 2027-07-01 half year - US-KS [VC Kiosk Consumer Protection Act (HB 2591) in force](https://payments.gi/jurisdictions/united-states-kansas/) closed 2026-07-01 quarter - US-KS [60-day licence-application window for unlicensed VC kiosk operators closes](https://payments.gi/jurisdictions/united-states-kansas/) 2026-Q3 quarter - US-LA [Existing money-transmission licensees transition to new Louisiana regime](https://payments.gi/jurisdictions/united-states-louisiana/) 2027-Q3 year - US-MA [MGL c.169B transition deadline for existing unlicensed transmitters](https://payments.gi/jurisdictions/united-states-massachusetts/) closed 2026-07-01 quarter - US-ME [Maine money-transmitter ESB conversion deadline](https://payments.gi/jurisdictions/united-states-maine/) closed 2026-01-31 quarter - US-ME [Bitcoin Depot consumer-claims deadline](https://payments.gi/jurisdictions/united-states-maine/) closed 2026-04-01 quarter - US-MI [Money Transmission Modernization Act takes effect](https://payments.gi/jurisdictions/united-states-michigan/) 2027-01-01 quarter - US-MI [Current Money Transmission Services Act repealed](https://payments.gi/jurisdictions/united-states-michigan/) 2027-07-01 quarter - US-MN [MN virtual-currency kiosk removal and customer payout deadline](https://payments.gi/jurisdictions/united-states-minnesota/) 2026-12-31 quarter - US-MS [MS Data Security for Money Transmitters Act in force](https://payments.gi/jurisdictions/united-states-mississippi/) closed 2026-07-01 quarter - US-MS [MS Virtual Currency Kiosk licensing regime in force](https://payments.gi/jurisdictions/united-states-mississippi/) closed 2026-07-01 quarter - US-MS [MS Check Cashers Act fee pass-through amendment in force](https://payments.gi/jurisdictions/united-states-mississippi/) closed 2026-07-01 quarter - US-NC [NC virtual-currency kiosk MTA licensing effective](https://payments.gi/jurisdictions/united-states-north-carolina/) 2027-01-01 quarter - US-NC [NC Commissioner of Banks fraud-determination procedure due](https://payments.gi/jurisdictions/united-states-north-carolina/) 2026-12-01 quarter - US-NC [NC prediction-market 6% tax and CFTC-preemption recognition effective](https://payments.gi/jurisdictions/united-states-north-carolina/) 2027-01-01 quarter - US-NE [LB717 Money Transmitters Act amendments effective](https://payments.gi/jurisdictions/united-states-nebraska/) closed 2026-07-18 quarter - US-NE [LB838 foreign-adversary money-transmission ban and remittance excise tax effective](https://payments.gi/jurisdictions/united-states-nebraska/) closed 2026-07-01 quarter - US-NH [HB639 main provisions commencement](https://payments.gi/jurisdictions/united-states-new-hampshire/) 2026-09-08 quarter - US-NJ [SCOTUS review of NJ/Kalshi CFTC-preemption circuit split](https://payments.gi/jurisdictions/united-states-new-jersey/) 2027-Q2 multi year - US-OH [Ohio HB648 digital-asset kiosk MTL registration](https://payments.gi/jurisdictions/united-states-ohio/) 2027-Q1 year - US-OK [HB 3521 dual-regime transition ends; new MTL regime fully in force](https://payments.gi/jurisdictions/united-states-oklahoma/) 2026-11-01 quarter - US-OK [Oklahoma Consumer Data Privacy Act (SB 546) in force](https://payments.gi/jurisdictions/united-states-oklahoma/) 2027-01-01 quarter - US-OK [SB 2064 proposed effective date (if enacted)](https://payments.gi/jurisdictions/united-states-oklahoma/) 2026-11-01 half year - US-SC [H.4592 kiosk MTL requirement — pending enactment](https://payments.gi/jurisdictions/united-states-south-carolina/) 2027-Q1 half year - US-SD [SD SB98 virtual-currency kiosk licensing and conduct regime in force](https://payments.gi/jurisdictions/united-states-south-dakota/) closed 2026-07-01 quarter - US-TX [GENIUS Act federal stablecoin AML/sanctions rulemaking deadline](https://payments.gi/jurisdictions/united-states-texas/) closed 2026-07-18 quarter - US-UT [HB 72 kiosk regime administrative rulemaking](https://payments.gi/jurisdictions/united-states-utah/) 2026-Q4 half year - US-VA [Virginia Chapter 19.1 money-transmitter recodification in force](https://payments.gi/jurisdictions/united-states-virginia/) closed 2026-07-01 quarter - US-VT [VT virtual-currency kiosk moratorium expires](https://payments.gi/jurisdictions/united-states-vermont/) 2027-07-01 quarter - US-WV [WV crypto-kiosk MTL licensure implementation window closes](https://payments.gi/jurisdictions/united-states-west-virginia/) 2026-Q3 quarter - US-WY [SPDI-to-state-bank conversion legislation under consideration](https://payments.gi/jurisdictions/united-states-wyoming/) 2026-Q4 half year - USA [GENIUS Act statutory backstop effective date](https://payments.gi/jurisdictions/united-states/) 2027-01-18 half year - USA [GENIUS Act final implementing rules statutory deadline](https://payments.gi/jurisdictions/united-states/) closed 2026-07-18 quarter - USA [California DFAL licensing requirement in force](https://payments.gi/jurisdictions/united-states/) closed 2026-07-01 quarter - USA [CFPB revised Section 1033 rule anticipated publication](https://payments.gi/jurisdictions/united-states/) 2026-Q3 half year - VE [BCV Ruling 25-12-01 interest-rate/UVC framework in force](https://payments.gi/jurisdictions/venezuela/) closed 2026-01-21 quarter - VE [BCV SWIFT reintegration expected to progress](https://payments.gi/jurisdictions/venezuela/) 2026-Q4 half year - VN [E-wallet authentication/opening provisions effective](https://payments.gi/jurisdictions/vietnam/) closed 2026-01-01 quarter - VN [NAPAS reverse-direction (VN-to-China) QR connectivity](https://payments.gi/jurisdictions/vietnam/) 2026-Q4 half year - VN [Vietnam-Singapore outbound QR connectivity](https://payments.gi/jurisdictions/vietnam/) 2026-Q4 half year - ZA [PASA PSMB recognition withdrawal completes; SARB/PayInc take over](https://payments.gi/jurisdictions/south-africa/) closed 2026-09-02 quarter - ZA [SARB Vision 2030+ consultation outcome expected](https://payments.gi/jurisdictions/south-africa/) 2026-Q3 half year - ZM [National Payment System Act 2026 licensing regime operationalisation](https://payments.gi/jurisdictions/zambia/) 2026-Q3 half year