title: Roundup — WorldPayments Monitor — 2026-10-11 canonical: https://payments.gi/roundup/2026-10-11/ ## New or updated since 2026-10-04 New to this edition or changed since the last one. 1. 1 CO Payment Corridor Dynamics 2026-10-07 ### [Bre-B's one-year operational milestone published 7 Oct 2026: 116M+ keys, 36M+ users, 1bn+ transactions.](https://payments.gi/jurisdictions/colombia/#mb-w5) [Banco de la Republica](https://www.banrep.gov.co/es/bre-b) T1 Confirmed 2. 2 US-WA Licensing, Authorisation & Market Access 2026-10-07 ### [WA DFI-led multi-state consent order against Coinme, Inc. over deficient BSA/AML program at crypto kiosks regulated under the general money-transmitter statute (RCW 19.230); separately, the Washington Earned Wage Access Services Act created a new DFI-licensed category…](https://payments.gi/jurisdictions/united-states-washington/#mb-w1a) [Washington State Department of Financial Institutions](https://dfi.wa.gov/news/press/washington-state-dfi-enters-multi-state-consent-order-coinme-inc) T1 Confirmed Also tracked by crypto:crypto_licensing, financial-integrity:D5 3. 3 GG Licensing, Authorisation & Market Access 2026-10-01 ### [Lending, Credit and Finance (Amendment) Rules, 2026 remove the blanket separate Part III VASP-licence requirement for already-licensed firms, effective 1 Oct 2026.](https://payments.gi/jurisdictions/guernsey/#mb-w1a) [gfsc.gg](https://www.gfsc.gg/news/guernsey-opens-door-greater-digital-finance-opportunities) T1 Confirmed Also tracked by crypto:crypto_licensing, financial-integrity:D5 4. 4 SA Correspondent Banking, Settlement & Access 2026-10-01 ### [SAMA tightened BO-verification (Wathq/Awqaf/Associations) and sanctions-screening integration (Security Council Resolutions Notification System, 1 Oct 2026) requirements on payment-system licensees.](https://payments.gi/jurisdictions/saudi-arabia/#mb-w12) [SAMA Rulebook](https://rulebook.sama.gov.sa/en/payment-systems-and-payment-services-providers-circulars) T1 Confirmed Also tracked by financial-integrity:D1 5. 5 US Licensing, Authorisation & Market Access 2026-10-01 ### [Maryland SB0261 excludes payroll-processor agents from the money transmitter definition, effective 1 October 2026.](https://payments.gi/jurisdictions/united-states/#mb-w1a) [Maryland General Assembly](https://mgaleg.maryland.gov/mgawebsite/Legislation/Details/sb0261?ys=2026RS) T1 Confirmed 6. 6 US Stablecoins & Digital Money 2026-10-01 ### [Florida payment-stablecoin regime (Fla. Stat. 658.997) took effect 1 October 2026.](https://payments.gi/jurisdictions/united-states/#mb-w2) [Florida Legislature](https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0600-0699/0658/Sections/0658.997.html) T1 Confirmed Also tracked by crypto:stablecoin_regime 7. 7 US-FL Stablecoins & Digital Money 2026-10-01 ### [Florida payment-stablecoin regime (Fla. Stat. s.658.997 / Ch. 658) took effect 1 October 2026, requiring state approval/exemption and 1:1 identifiable reserves.](https://payments.gi/jurisdictions/united-states-florida/#mb-w2) [Florida Legislature](https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0600-0699/0658/Sections/0658.997.html) T1 Confirmed Also tracked by crypto:stablecoin_regime 8. 8 US-MD Licensing, Authorisation & Market Access 2026-10-01 ### [Maryland SB 261 (Ch. 21) excludes a qualifying payroll-processing payor agent from the Maryland money-transmitter definition, effective 2026-10-01.](https://payments.gi/jurisdictions/united-states-maryland/#mb-w1a) [Maryland General Assembly](https://mgaleg.maryland.gov/mgawebsite/Legislation/Details/sb0261?ys=2026RS) T1 Confirmed 9. 9 US-ND Stablecoins & Digital Money 2026-10-01 ### [Roughrider Coin, a wholesale institution-only dollar-backed stablecoin, went live Oct 1, 2026 on Fiserv's digital asset platform; VersaBank is issuer, Fireblocks tokenizes on Solana.](https://payments.gi/jurisdictions/united-states-north-dakota/#mb-w2) [Bank of North Dakota](https://bnd.nd.gov/bank-of-north-dakota-and-fiserv-partner-to-launch-roughrider-coin/) T1 Confirmed Also tracked by crypto:stablecoin_regime, financial-integrity:D5 10. 10 US-NY Stablecoins & Digital Money 2026-10-01 ### [NYDFS-Wyoming MOU signed and Proposed Part 202 stablecoin rulemaking advancing.](https://payments.gi/jurisdictions/united-states-new-york/#mb-w2) [New York State Department of Financial Services](https://www.dfs.ny.gov/reports_and_publications/press_releases/pr20261001) T1 Confirmed Also tracked by crypto:commercial_activity, financial-integrity:D5 11. 11 US-IL Stablecoins & Digital Money 2026-09-30 ### [DACPA/DAKA implementing rules advanced to Second Notice; industry and consumer-group comments on stablecoin-reserve rules noted.](https://payments.gi/jurisdictions/united-states-illinois/#mb-w2) [IDFPR](https://idfpr.illinois.gov/banks/digital-assets/resources-for-businesses.html) T1 Confirmed Also tracked by financial-integrity:D5 12. 12 US-DC Conduct, Safeguarding & Financial Promotions 2026-09-26 ### [D.C. Law 26-187 bans drip pricing/hidden fees and creates aiding-and-abetting liability for payment processors facilitating deceptive pricing, effective 2026-09-26.](https://payments.gi/jurisdictions/united-states-district-of-columbia/#mb-w1b) [DC Council](https://code.dccouncil.gov/us/dc/council/laws/26-187) T1 Confirmed Also tracked by crypto:consumer_protection, data-protection:enforcement_and_redress 13. 13 GG Stablecoins & Digital Money 2026-09-14 ### [GFSC restated stablecoin feedback/rules now expected by end-2026 (previously Autumn 2026); new bank prudential treatment of crypto/stablecoin exposure identified.](https://payments.gi/jurisdictions/guernsey/#mb-w2) [gfsc.gg](https://www.gfsc.gg/news/one-year-digital-finance-initiative-turns-engagement-action) T1 Confirmed 14. 14 AU Licensing, Authorisation & Market Access 2026-09-02 ### [ASIC extended sector-wide no-action deadline for digital-asset businesses to apply/vary an AFS licence expired 30 September 2026.](https://payments.gi/jurisdictions/australia/#mb-w1a) [Australian Securities and Investments Commission](https://www.asic.gov.au/newsroom) T1 Confirmed Also tracked by crypto:crypto_licensing 15. 15 AU Consumer Protection & APP Fraud 2026-09-01 ### [Scams Prevention Framework AFCA membership deadline passed 1 September 2026; most substantive obligations deferred to 31 March 2027.](https://payments.gi/jurisdictions/australia/#mb-w10) [Australian Securities and Investments Commission](https://www.asic.gov.au/regulatory-resources/scams/scams-prevention-framework) T1 Confirmed 16. 16 SG Stablecoins & Digital Money 2026-09-01 ### [MAS CP P015-2026 proposes statutory SCS regime: 100% HQLA reserve, par redemption, interest ban, systemic-stablecoin Gazette-order power reaching offshore-issued coins; also proposes cross-border stablecoin recognition and multi-jurisdiction fungible issuance.](https://payments.gi/jurisdictions/singapore/#mb-w2) [Monetary Authority of Singapore](https://www.mas.gov.sg/-/media/mas-media-library/publications/consultations/pd/2026/sept-2026_consultation-paper-on-proposed-amendments-to-ps-act-for-stablecoins-regulation/consultation-paper-on-proposed-amendments-to-ps-act-for-stablecoins-regulation_vfinal.pdf) T1 Confirmed Also tracked by crypto:stablecoin_regime, financial-integrity:D5 17. 17 AU Legal & Litigation 2026-07-20 ### [ASIC reported record civil-penalty enforcement totals for H2 2025 and FY2025-26.](https://payments.gi/jurisdictions/australia/#mb-w7) [Australian Securities and Investments Commission](https://download.asic.gov.au/media/mr4fa4kt/rep-829-published-25-february-2026.pdf) T1 Confirmed 18. 18 UY Stablecoins & Digital Money 2026-07-16 ### [BCU Circular N° 2507 finalised PSAV authorisation regime, covering exchange, transfer, custody of virtual assets; the BCU 2026-2030 Payment System Roadmap names eventual stable-virtual-asset integration into the payment system.](https://payments.gi/jurisdictions/uruguay/#mb-w2) [Banco Central del Uruguay](https://www.bcu.gub.uy/Comunicaciones/Paginas/Detalle-Noticia.aspx?noticia=527&title=El-BCU-aprueba-normativa-para-proveedores-de-servicios-de-activos-virtuales) T1 Confirmed Also tracked by financial-integrity:D5 19. 19 KR Conduct, Safeguarding & Financial Promotions 2026-07-15 ### [FSC amended Electronic Financial Supervisory Regulations (Notice 2026-29) requiring PG-operator risk assessment and merchant-fee disclosure, effective 1 Oct 2026.](https://payments.gi/jurisdictions/south-korea/#mb-w1b) [Financial Services Commission](https://www.fsc.go.kr/po040200/87332) T1 Confirmed 20. 20 US-NC Licensing, Authorisation & Market Access 2026-07-08 ### [SL 2026-45 brings virtual-currency kiosk operators within the Money Transmitters Act licensing perimeter, effective 2027-01-01; NCCOB comment window open through 2026-11-15.](https://payments.gi/jurisdictions/united-states-north-carolina/#mb-w1a) [North Carolina General Assembly](https://ncleg.gov/EnactedLegislation/SessionLaws/PDF/2025-2026/SL2026-45.pdf) T1 Confirmed Also tracked by financial-integrity:D5 21. 21 JE Consumer Protection & APP Fraud 2026-07-07 ### [JFSC, GFSC and IOMFSA published a joint Crown Dependencies APP Fraud Framework statement (7 July 2026), diverging from the UK's mandatory 50:50 cost-sharing regime by proposing no inter-bank cost sharing at this stage.](https://payments.gi/jurisdictions/jersey/#mb-w10) [Jersey Financial Services Commission (joint with GFSC, IOMFSA)](https://www.jerseyfsc.org/media/miqps50f/cd-app-fraud-framework.pdf) T1 Confirmed 22. 22 US-IN Licensing, Authorisation & Market Access 2026-07-01 ### [Indiana recodified its Uniform Consumer Credit Code (IC 24-4.4/24-4.5 -> IC 37, effective 2026-07-01); citation renumbering only, no change to licensing population. Indiana's Earned Wage Access Act (IC 28-8-6) remains in force as a standing DFI licensing regime.](https://payments.gi/jurisdictions/united-states-indiana/#mb-w1a) [Indiana Department of Financial Institutions](https://secure.in.gov/dfi/general-information/legal-resources/rulemaking-docket) T1 Confirmed 23. 23 US-VA Stablecoins & Digital Money 2026-07-01 ### [Chapter 19.1 excludes virtual currency from statutory 'money'; a separate not-yet-effective Virtual Currency Kiosk License (Chapter 22.2, eff. 1 Jul 2027) will licence kiosk operators specifically.](https://payments.gi/jurisdictions/united-states-virginia/#mb-w2) [Virginia Law / LIS](https://law.lis.virginia.gov/vacodeupdates/title6.2/section6.2-1922/) T1 Confirmed Also tracked by crypto:crypto_licensing, financial-integrity:D5 24. 24 IS Payment Corridor Dynamics 2026-06-24 ### [ECB and Seðlabanki Íslands signed a formal agreement 24 June 2026 for Iceland to join TIPS, with ISK settlement live from 2028, the same year as Norway's krone.](https://payments.gi/jurisdictions/iceland/#mb-w5) [ecb.europa.eu](https://www.ecb.europa.eu/press/pr/date/2026/html/ecb.pr260624_1~ce8e85127f.en.html) T1 Confirmed 25. 25 US-TX Licensing, Authorisation & Market Access 2026-06-18 ### [DOB enforcement against OKX, Triple A, and an escrow-services provider plus new EWA registration regime under Ch. 355.](https://payments.gi/jurisdictions/united-states-texas/#mb-w1a) [Texas Department of Banking](https://www.dob.texas.gov/sites/default/files/files/news/press-releases/2026/06-22-26pr.pdf) T1 Confirmed 26. 26 UY Product Innovation & Market Development 2026-06-05 ### [BCU sent two draft bills to MEF: a regulatory sandbox for financial/payments innovation and an Open Finance (Sistema de Finanzas Abiertas) framework mandating interoperable consent-based data-sharing.](https://payments.gi/jurisdictions/uruguay/#mb-w9) [BCU Resolución P_2_2026](https://www.bcu.gub.uy/Acerca-de-BCU/Resoluciones%20de%20Directorio/P_2_2026.pdf) T1 Confirmed 27. 27 TT Commercial Intelligence & Fintech 2026-06-03 ### [Central Bank provisionally registered Convenience Pay Technologies Limited as an e-money PSP effective 3 June 2026, a possible backfill item.](https://payments.gi/jurisdictions/trinidad-and-tobago/#mb-w13) [Central Bank of Trinidad and Tobago](https://www.central-bank.org.tt/central-bank-authorizes-convenience-pay-technologies-limited-as-a-payment-service-provider-registered-to-issue-electronic-money-in-trinidad-and-tobago/) T1 Confirmed Also tracked by financial-integrity:D8 28. 28 RW Stablecoins & Digital Money 2026-05-28 ### [Law No. 023/2026 establishes a CMA-led stablecoin perimeter with full-reserve, custodian-held backing requirements; virtual assets are not legal tender absent BNR authorisation.](https://payments.gi/jurisdictions/rwanda/#mb-w2) [MINECOFIN](https://www.minecofin.gov.rw/fileadmin/user_upload/Minecofin/Publications/PRESS_RELEASES/Communique_.pdf) T1 Confirmed 29. 29 DE Consumer Protection & APP Fraud 2026-05-18 ### [Act implementing Directive (EU) 2023/2225 extends consumer-credit regulation to BNPL, microcredit and interest-free financing, applying mainly from 20 November 2026.](https://payments.gi/jurisdictions/germany/#mb-w10) [Bundesgesetzblatt (BMJV)](https://www.recht.bund.de/bgbl/1/2026/139/regelungstext.pdf?blob=publicationFile&v=2) T1 Confirmed 30. 30 NZ Consumer Protection & APP Fraud 2026-05-12 ### [Fair Trading Amendment Bill proposes scam-disruption safe harbour for online service providers.](https://payments.gi/jurisdictions/new-zealand/#mb-w10) [New Zealand Parliamentary Counsel Office](https://disclosure.legislation.govt.nz/bill/government/2026/299) T1 Confirmed 31. 31 JE Industry Structure & Commercial Dynamics 2026-04-13 ### [COBO Amendment Order 2026 in force 13 April 2026 reduces circumstances requiring consent; Companies (General Provisions) and Companies Law amendment orders in force 30 September 2026 remove registrar-consent requirement for prospectus circulation; full COBO repeal proposed…](https://payments.gi/jurisdictions/jersey/#mb-w6) [Jersey Financial Services Commission](https://www.jerseyfsc.org/news-and-events/changes-to-control-of-borrowing-order-to-streamline-regulation/) T1 Confirmed 32. 32 SA Licensing, Authorisation & Market Access 2026-03-27 ### [SAMA replaced its 2021 payment-systems oversight framework (Circular 472047719, 8 Mar 2026) and opened open-banking licensing beyond sandbox, with Lean Technologies as first Major Payment Institution licensee.](https://payments.gi/jurisdictions/saudi-arabia/#mb-w1a) [SAMA](https://www.sama.gov.sa/) T1 Confirmed 33. 33 US-UT Licensing, Authorisation & Market Access 2026-03-25 ### [HB 72 creates a new DCP-administered registration/consumer-protection regime for virtual-currency kiosk operators, layered on top of general MTL licensing.](https://payments.gi/jurisdictions/united-states-utah/#mb-w1a) [Utah State Legislature](https://le.utah.gov/Session/2026/bills/enrolled/HB0072.pdf) T1 Confirmed Also tracked by crypto:crypto_licensing 34. 34 US-UT Stablecoins & Digital Money 2026-03-19 ### [SB 298 (Programmable Money Amendments) excludes programmable money from the UCC definition of money and bars mandatory use absent a free non-digital alternative, effective 2027-05-05.](https://payments.gi/jurisdictions/united-states-utah/#mb-w2) [Utah State Legislature](https://le.utah.gov/Session/2026/bills/enrolled/SB0298.pdf) T1 Confirmed Also tracked by crypto:token_classification 35. 35 IE Licensing, Authorisation & Market Access 2026-02-25 ### [Confirmed MiCA Irish transitional period ended 31 December 2025, correcting prior 1 July 2026 record.](https://payments.gi/jurisdictions/ireland/#mb-w1a) [Central Bank of Ireland](https://www.centralbank.ie/docs/default-source/publications/regulatory-and-supervisory-outlook-reports/regulatory-supervisory-outlook-report-2026.pdf) T1 Confirmed Also tracked by crypto:crypto_licensing 36. 36 APAC Payment Corridor Dynamics 2026-01-01 ### [Project Nexus moved from pilot to live implementation in 2026 under Nexus Global Payments across India, Indonesia, Malaysia, the Philippines, Singapore and Thailand.](https://payments.gi/jurisdictions/asia-pacific/#mb-w5) [Bank for International Settlements](https://www.bis.org/project/nexus) T1 Confirmed 37. 37 US-IN Product Innovation & Market Development 2026-01-01 ### [Indiana's Earned Wage Access Act (HEA 1125, IC 28-8-6) took effect 2026-01-01, creating a DFI licensing regime for consumer-directed and employer-integrated EWA providers; EWA is statutorily defined as not lending/credit.](https://payments.gi/jurisdictions/united-states-indiana/#mb-w9) [Indiana Department of Financial Institutions](https://www.in.gov/dfi/files/EWALicensingGuidance.pdf) T1 Confirmed 38. 38 US-ID Licensing, Authorisation & Market Access date pending ### [New DLT Act (S1296) enacted alongside continued MTL licensing enforcement (Rockwallet, PayKES denials).](https://payments.gi/jurisdictions/united-states-idaho/#mb-w1a) [Idaho Department of Finance](https://www.finance.idaho.gov/wp-content/uploads/legal/statutes-rules/documents/Money%20Transmitters%20Act.pdf) T1 Confirmed Also tracked by crypto:crypto_licensing, financial-integrity:D7 39. 39 IT Stablecoins & Digital Money 2026-10-08 ### [Banca d'Italia released Occasional Paper No. 1062, comparing EMTs vs tokenized deposits, 8 October 2026.](https://payments.gi/jurisdictions/italy/#mb-w2) [Banca d'Italia](https://www.bancaditalia.it/media/notizia/7-new-occasional-papers-of-banca-d-italia-8-october-2026/) T1 Confirmed Also tracked by crypto:stablecoin_regime 40. 40 IT Industry Structure & Commercial Dynamics 2026-10-05 ### [Banca d'Italia's Milano Hub opened its fourth call for proposals application window, 5 October 2026.](https://payments.gi/jurisdictions/italy/#mb-w6) [Banca d'Italia](https://www.bancaditalia.it/) T1 Confirmed 41. 41 AT Licensing, Authorisation & Market Access 2026-10-01 ### [Two licence lapses published by the FMA within the current window (Peter Arlits, individual; Raiffeisenbank Kreuzenstein).](https://payments.gi/jurisdictions/austria/#mb-w1a) [FMA](https://www.fma.gv.at/en/) T1 Confirmed Also tracked by crypto:stablecoin_regime 42. 42 IM Licensing, Authorisation & Market Access 2026-04-01 ### [IOMFSA (Fees) Order 2026 fee schedule in force since 1 April 2026; a DBROA15 Public Notice concerning an individual was published 22 September 2026, substantive content unconfirmed.](https://payments.gi/jurisdictions/isle-of-man/#mb-w1a) [Isle of Man Government](https://consult.gov.im/financial-services-authority/iom-financial-services-authority-fees-order-2026/supporting_documents/isleofmanfinancialservicesauthorityfeesorder2026_v05pdf) T1 Confirmed 43. 43 MY Conduct, Safeguarding & Financial Promotions 2026-10-09 ### [Basic Credit Card regime (14% cap) confirmed via Budget 2027.](https://payments.gi/jurisdictions/malaysia/#mb-w1b) [Bank Negara Malaysia](https://www.bnm.gov.my/-/belanjawan2027) T1 Confirmed 44. 44 AFR Licensing, Authorisation & Market Access 2026-09-02 ### [SARB's Payment System Management Body function formally transferred from PASA to SARB/PayInc effective 2 September 2026, ahead of an activity-based National Payment System Bill.](https://payments.gi/jurisdictions/africa/#mb-w1a) [South African Reserve Bank](https://www.resbank.co.za/en/home/what-we-do/payments-and-settlements/psmb) T1 Confirmed 45. 45 US-MN Licensing, Authorisation & Market Access 2026-08-01 ### [SF 3868 repeals the prior virtual-currency kiosk licensure sub-regime and substitutes a statewide prohibition, effective 2026-08-01.](https://payments.gi/jurisdictions/united-states-minnesota/#mb-w1a) [Minnesota Office of the Revisor of Statutes](https://revisor.mn.gov/laws/2026/0/Session+Law/Chapter/65) T1 Confirmed Also tracked by crypto:crypto_licensing, financial-integrity:D5 46. 46 US-SC Conduct, Safeguarding & Financial Promotions 2026-06-30 ### [Guarantee Banking Act (H.5538, SC Act No. 257), signed 2026-06-30, effective 2026-12-30, prohibits discrimination in covered financial services and false adverse-action reasons.](https://payments.gi/jurisdictions/united-states-south-carolina/#mb-w1b) [South Carolina Legislature Online](https://www.scstatehouse.gov/sess126_2025-2026/bills/5538.htm) T1 Confirmed 47. 47 US-TX Stablecoins & Digital Money 2026-06-24 ### [DOB Supervisory Memorandum 1037 classification actively enforced against OKX/Triple A; Texas lacks GENIUS Act state-certification framework.](https://payments.gi/jurisdictions/united-states-texas/#mb-w2) [Texas Department of Banking (Commissioner Charles G. Cooper)](https://www.dob.texas.gov/sites/default/files/files/news/Testimony/2026/06-24-26t.pdf) T1 Confirmed 48. 48 MX Product Innovation & Market Development 2026-06-17 ### [Banxico Circular 9/2026 mandates SPEI mobile-UX standardisation (phone-number transfers, 4-step send flow); compliance deadline 14 Dec 2026.](https://payments.gi/jurisdictions/mexico/#mb-w9) [Diario Oficial de la Federación / Banco de México](https://dof.gob.mx/nota_detalle_popup.php?codigo=5790862) T1 Confirmed 49. 49 CN Conduct, Safeguarding & Financial Promotions 2026-04-21 ### [Financial Product Online Marketing Management Rules entered force 30 Sept 2026, restricting non-bank PSP checkout cross-selling of loan/wealth products.](https://payments.gi/jurisdictions/china-mainland/#mb-w1b) [State Administration for Market Regulation (SAMR), joint announcement](https://www.samr.gov.cn/ggjgs/tzgg/art/2026/art_45df2e4c27674b2c82b9a5b4489b64ad.html) T1 Confirmed Also tracked by data-protection:sectoral_watch 50. 50 US-WI Licensing, Authorisation & Market Access 2026-04-10 ### [Wis. Stat. 217.12 kiosk-specific money-transmitter sub-regime.](https://payments.gi/jurisdictions/united-states-wisconsin/#mb-w1a) [Wisconsin Legislature](https://docs.legis.wisconsin.gov/document/acts/2025/226) T1 Confirmed Also tracked by crypto:crypto_licensing, financial-integrity:D5 51. 51 US-DC Consumer Protection & APP Fraud date pending ### [D.C. Law 26-187 expands DC AG enforcement powers (asset freezes, mandatory minimum penalties) applicable to deceptive-pricing practices touching payments.](https://payments.gi/jurisdictions/united-states-district-of-columbia/#mb-w10) [DC Council](https://code.dccouncil.gov/us/dc/council/code/sections/28-3903) T1 Confirmed 52. 52 GG-ALD Stablecoins & Digital Money 2026-10-11 ### [GFSC Lending, Credit and Finance (Amendment) Rules 2026 eased VASP licensing duplication and lifted the blanket retail ban, effective 1 October 2026; dedicated stablecoin framework expected Autumn 2026.](https://payments.gi/jurisdictions/guernsey-alderney/#mb-w2) [Guernsey Financial Services Commission](https://www.gfsc.gg/news/one-year-digital-finance-initiative-turns-engagement-action) T1 Confirmed Also tracked by crypto:stablecoin_regime 53. 53 US-KS Operational Resilience & Critical Infrastructure 2026-10-11 ### [TEFFI receivership bar enacted alongside kiosk Act.](https://payments.gi/jurisdictions/united-states-kansas/#mb-w3) [Kansas Office of the State Bank Commissioner](https://osbckansas.gov/legal/teffi_act_2026.pdf) T1 Confirmed 54. 54 US-OH Legal & Litigation 2026-10-06 ### [HB 195 effective Oct 6 2026 creates UCC Art. 12 controllable-electronic-records regime for digital assets.](https://payments.gi/jurisdictions/united-states-ohio/#mb-w7) [Ohio Legislature](https://www.legislature.ohio.gov/legislation/136/hb195/status) T1 Confirmed 55. 55 KR Stablecoins & Digital Money 2026-10-01 ### [FSC pre-announced subordinate-regulation amendments for token securities under the Electronic Securities Act and Capital Markets Act, in force 4 Feb 2027.](https://payments.gi/jurisdictions/south-korea/#mb-w2) [Financial Services Commission](https://www.fsc.go.kr/no010101/87838) T1 Confirmed Also tracked by crypto:token_classification 56. 56 KE Product Innovation & Market Development 2026-09-21 ### [Draft Policy proposes a national instant-payment switch (Fast Payment System) for 24/7 real-time interoperability, open-API standards and an open-finance framework; draft Bill Clause 28 mandates interoperability and Clause 29 envisages open-finance regulations.](https://payments.gi/jurisdictions/kenya/#mb-w9) [Central Bank of Kenya](https://www.centralbank.go.ke/wp-content/uploads/2026/09/Draft-National-Payment-System-Policy-2026.pdf) T1 Confirmed 57. 57 TT Product Innovation & Market Development 2026-08-01 ### [Draft PSS Bill introduces a regulatory sandbox and simplified licensing for payment innovation.](https://payments.gi/jurisdictions/trinidad-and-tobago/#mb-w9) [Central Bank of Trinidad and Tobago](https://www.central-bank.org.tt/fintech-and-payments/payment-system-landscape/) T1 Confirmed 58. 58 ES Stablecoins & Digital Money 2026-07-22 ### [Spain's MiCA Art.143(3) transitional period for pre-existing CASPs ended 30 June 2026.](https://payments.gi/jurisdictions/spain/#mb-w2) [CNMV](https://www.cnmv.es/portal/fintech/innovacion?lang=en) T1 Confirmed Also tracked by crypto:crypto_licensing 59. 59 PE Product Innovation & Market Development 2026-07-06 ### [BCRP's instant-payments platform (TAPP) Phase 3 targets a controlled pilot in December 2026; SBS published its Open Finance Roadmap diagnostic conclusion (6 July 2026) and a first regulatory proposal block for Open Finance.](https://payments.gi/jurisdictions/peru/#mb-w9) [Superintendencia de Banca, Seguros y AFP](https://www.sbs.gob.pe/Portals/0/HR-FA-Diagnostico.pdf) T1 Confirmed 60. 60 MT Stablecoins & Digital Money 2026-07-03 ### [MFSA MiCA Rulebook outsourcing-notification rule in effect (1 March 2026); Malta's VFA Act repealed 3 July 2026, MiCA/Cap.647 sole framework.](https://payments.gi/jurisdictions/malta/#mb-w2) [ESMA](https://www.esma.europa.eu/sites/default/files/2024-12/List_of_MiCA_grandfathering_periods_art._143_3.pdf) T1 Confirmed 61. 61 US-AK Licensing, Authorisation & Market Access 2026-06-30 ### [SB86 (Ch. 48 SLA 2026) replaces the prior Uniform Money Services Act framework, expanding the definition of money transmission to expressly cover virtual-currency business activity, with new disclosure, safety-and-soundness, record-retention and background-check requirements.](https://payments.gi/jurisdictions/united-states-alaska/#mb-w1a) [Alaska State Legislature](https://www.akleg.gov/PDF/34/Bills/SB0086B.PDF) T1 Confirmed Also tracked by crypto:crypto_licensing, financial-integrity:D5 62. 62 ZA Stablecoins & Digital Money 2026-05-28 ### [SARB/FSCA/PA/FIC Joint Communication 1 of 2026 confirms crypto assets including stablecoins are not money/legal tender under the NPS Act; Mangundhla v SARB (1 June 2026) found Bitcoin is 'money' and 'capital' for exchange-control purposes, creating tension with the…](https://payments.gi/jurisdictions/south-africa/#mb-w2) [South African Reserve Bank](https://www.resbank.co.za/content/dam/sarb/what-we-do/payments-and-settlements/regulation-oversight-and-supervision/designation-notices/280526%20Joint%20Communication_Crypto%20assets%20for%20domestic%20payment%20purposes.pdf) T1 Confirmed 63. 63 US-SC Stablecoins & Digital Money 2026-05-19 ### [S.163 (effective 2026-05-19) bans state CBDC acceptance/testing while protecting digital-asset/stablecoin payment acceptance, self-custody, and non-discriminatory crypto-payment tax treatment.](https://payments.gi/jurisdictions/united-states-south-carolina/#mb-w2) [South Carolina Legislature Online](https://www.scstatehouse.gov/sess126_2025-2026/bills/163.htm) T1 Confirmed Also tracked by crypto:tax_treatment 64. 64 US-MN Stablecoins & Digital Money 2026-05-16 ### [HF 3709 creates a new state-chartered bank/credit-union virtual-currency custody permission, effective 2026-08-01.](https://payments.gi/jurisdictions/united-states-minnesota/#mb-w2) [Minnesota House Research Department](https://www.house.mn.gov/hrd/bs/94/HF3709.pdf) T1 Confirmed 65. 65 US-AL Stablecoins & Digital Money 2026-04-09 ### [HB259 (Ala. Code Ch.8-7B) establishes a stablecoin-issuer licensing regime under the ASC, implementing the federal GENIUS Act at state level; issuance restriction in force now, offer/sale restriction from July 18 2028.](https://payments.gi/jurisdictions/united-states-alabama/#mb-w2) [Alabama Legislature](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB259-enr.pdf) T1 Confirmed Also tracked by crypto:stablecoin_regime 66. 66 BG Licensing, Authorisation & Market Access 2026-01-01 ### [Bulgaria completed euro adoption 1 January 2026; IPR Art 5a-5c compliance deadline for BG PSPs set at 1 January 2027.](https://payments.gi/jurisdictions/bulgaria/#mb-w1a) [European Central Bank](https://www.ecb.europa.eu/euro/changeover/bulgaria/html/index.en.html) T1 Confirmed 67. 67 DK Industry Structure & Commercial Dynamics 2026-10-06 ### [Vipps MobilePay is completing a Nordic brand consolidation: from 6 October 2026 the MobilePay app icon in Denmark and Finland switches to the Vipps smile, with the MobilePay name retired by 12 January 2027.](https://payments.gi/jurisdictions/denmark/#mb-w6) [Vipps MobilePay](https://vippsmobilepay.com/en-NO/news/vipps-mobilepay-becomes-vipps-across-the-nordics) T1 Probable 68. 68 US-IL Licensing, Authorisation & Market Access 2026-09-02 ### [38 Ill. Adm. Code 207 amended (eff. 2026-09-02) carving digital-asset-only money transmission out of MTMA licensing scope; TOMA repealed effective 2026-01-01 under the Uniform Money Transmission Modernization Act.](https://payments.gi/jurisdictions/united-states-illinois/#mb-w1a) [Illinois Secretary of State / Illinois Register](https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_38.pdf) T1 Probable 69. 69 LV Licensing, Authorisation & Market Access 2026-07-08 ### [New EMI licence (SIA MOIN Payments, 8 July 2026) and PI licence (Nexdesk SIA, 27 May 2026); specialised credit institution bank-licence category in force since 6 January 2026; 15 firms in active licensing, 29 in pre-licensing consultation.](https://payments.gi/jurisdictions/latvia/#mb-w1a) [Latvijas Banka](https://www.bank.lv/en/news-and-events/news-and-articles/news/17746-latvijas-banka-is-issuing-an-electronic-money-institution-operating-licence-to-sia-moin-payments) T1 Probable Also tracked by financial-integrity:D5 70. 70 BE Stablecoins & Digital Money 2026-07-06 ### [FSMA confirms no CASP yet authorised under Belgium's MiCA implementing Law; six unauthorised firms added to fraud list 6 July 2026.](https://payments.gi/jurisdictions/belgium/#mb-w2) [FSMA](https://www.fsma.be/en/news/crypto-assets-service-providers-end-transitional-period) T1 Probable Also tracked by crypto:crypto_licensing, financial-integrity:D5 71. 71 US-KS Licensing, Authorisation & Market Access 2026-07-01 ### [VCKCPA brings crypto-ATM kiosks into MTL perimeter, in force 2026-07-01.](https://payments.gi/jurisdictions/united-states-kansas/#mb-w1a) [Kansas Secretary of State](https://kssos.org/publications/sessionlaws/2026/Chapter-102-HB-2591.html) T1 Probable Also tracked by crypto:crypto_licensing, financial-integrity:D5 72. 72 US-TN Licensing, Authorisation & Market Access 2026-07-01 ### [Virtual currency kiosk ban survived first federal-court test; TDFI narrow-scope position on virtual currency transmission remains standing.](https://payments.gi/jurisdictions/united-states-tennessee/#mb-w1a) [tn.gov](https://www.tn.gov/attorneygeneral/news/2026/7/7/pr26-26.html) T1 Probable Also tracked by crypto:crypto_licensing, financial-integrity:D5 73. 73 RU Correspondent Banking, Settlement & Access 2026-06-01 ### [EU financial-messaging ban extended from SPFS to also cover Mir and SBP from 25 January 2026; domestic RU rails (Mir, SBP) continue to scale: 493.9 million Mir cards issued by 1 April 2026; SBP processed 50.8 billion transactions worth RUB 269.6 trillion through 226 banks by 1…](https://payments.gi/jurisdictions/russia/#mb-w12) [Bank of Russia](https://www.cbr.ru/eng/psystem/) T1 Probable 74. 74 US-IA Licensing, Authorisation & Market Access 2026-05-06 ### [OCC confirms NBA preemption of Iowa MTL for national-bank digital-asset custody; SF2296 requires crypto-ATM kiosk operators to hold an MTL, capped at $1,000/day transactions.](https://payments.gi/jurisdictions/united-states-iowa/#mb-w1a) [Iowa Legislature](https://www.legis.iowa.gov/docs/ico/chapter/533C.pdf) T1 Probable Also tracked by crypto:crypto_licensing 75. 75 QA Commercial Intelligence & Fintech 2026-01-20 ### [QIA signed $25bn Goldman Sachs MoU (Jan 2026) and a reported $20bn JPMorgan partnership (Sept 2026); Dibsy named to Forbes Middle East's 2026 Fintech 50.](https://payments.gi/jurisdictions/qatar/#mb-w13) [Qatar Investment Authority](https://www.qia.qa/en/Newsroom/Pages/Qatar-Investment-Authority-and-Goldman-Sachs-Sign-MoU-to-Expand-Strategic-Partnership-with-$25bn-Investment-Target.aspx) T1 Probable 76. 76 PA Licensing, Authorisation & Market Access 2026-01-16 ### [SBP Acuerdo 1-2026 tightens onboarding/KYC for banks, fiduciaries and payment/e-money issuers; Anteproyecto 314 remains in committee.](https://payments.gi/jurisdictions/panama/#mb-w1a) [Superintendencia de Bancos de Panamá](https://www.superbancos.gob.pa/documentos/regulacion/acuerdos_otros_sujetos/2026/Acuerdo_01-2026.pdf) T1 Probable Also tracked by financial-integrity:D7 77. 77 GH Licensing, Authorisation & Market Access 2025-12-01 ### [New IMTO registration guidelines (Dec 2025) and National Payment Systems Strategy 2025-2029 tighten entry/conduct requirements.](https://payments.gi/jurisdictions/ghana/#mb-w1a) [Bank of Ghana](https://www.bog.gov.gh/wp-content/uploads/2026/01/GUIDELINES-FOR-THE-REGISTRATION-AND-OPERTIONS-OF-INTERNATIONAL-MONEY-TRANSFER-OPERATORS-IMTO-Guidelines-Dec-2025-Final.pdf) T1 Probable 78. 78 LI AML/CFT & Financial Crime 2026-10-05 ### [VwbP register (used for CDD/BO verification by LI's payment/e-money sector) resumed only restricted, in-person access from 5 Oct 2026 following a cyberattack.](https://payments.gi/jurisdictions/liechtenstein/#mb-w11) [Government of the Principality of Liechtenstein](https://www.regierung.li/medienportal-medium/16444/234948/0/medienmitteilung) T1 Probable Also tracked by financial-integrity:D2 79. 79 AU Scheme & Network Compliance 2026-10-01 ### [Card-scheme surcharge ban (Visa/Mastercard/Amex/eftpos) took effect 1 October 2026, enforced via scheme rules not ACCC.](https://payments.gi/jurisdictions/australia/#mb-w4) [Australian Competition and Consumer Commission](https://www.accc.gov.au/business/pricing/card-surcharges) T1 Probable 80. 80 US-AZ Consumer Protection & APP Fraud 2026-09-28 ### [Arizona's Cryptocurrency Kiosk License Fraud Prevention Law imposes daily transaction caps, mandatory fraud warnings, receipt issuance, and a 30-day operator-refund obligation; AG's office reports active victim recoveries and a streamlined online reporting form.](https://payments.gi/jurisdictions/united-states-arizona/#mb-w10) [Arizona Attorney General's Office](https://azag.gov/press-release/attorney-general-mayes-helps-nearly-three-dozen-crypto-atm-scam-victims-recover-full) T1 Probable 81. 81 US-AZ Licensing, Authorisation & Market Access 2026-09-28 ### [Arizona adopted the CSBS Model Money Transmission Modernization Act via SB1580, standardizing multistate licensing coordination through NMLS under A.R.S. Title 6, Chapter 12.](https://payments.gi/jurisdictions/united-states-arizona/#mb-w1a) [Arizona DIFI](https://difi.az.gov/announcementnews/arizona-among-first-states-adopt-model-legislation-money-transmission-services) T1 Probable 82. 82 PW Operational Resilience & Critical Infrastructure 2026-09-23 ### [FIC participated in the AFSPC 2026 Annual Meeting (Sept 7-11, Nadi, Fiji), presenting Palau's country report on systemic risks and supervisory progress.](https://payments.gi/jurisdictions/palau/#mb-w3) [Financial Institutions Commission, Republic of Palau](https://ropfic.org/2026/09/23/financial-institutions-commission-participates-in-the-afspc-2026-annual-meeting-and-workshops-in-nadi-fiji-to-strengthen-fintech-supervision-and-cyber-resilience/) T1 Probable 83. 83 AU Payment Corridor Dynamics 2026-07-22 ### [Swift's retail cross-border scheme went live, activating 25 corridors including Australia with major Australian banks participating.](https://payments.gi/jurisdictions/australia/#mb-w5) [Swift](https://www.swift.com/news-events/news/better-cross-border-payment-experience-here) T1 Probable 84. 84 CA-ON Licensing, Authorisation & Market Access 2026-06-27 ### [Draft Consumer-Driven Banking Regulations published; 2026 launch at risk](https://payments.gi/jurisdictions/canada-ontario/#mb-w1a) [Department of Finance Canada](https://www.canada.ca/en/department-finance/programs/consumer-driven-banking.html) T1 Probable 85. 85 IE Conduct, Safeguarding & Financial Promotions 2026-06-26 ### [S.I. No. 295/2026 brought MiCA (Category 9) services within Minimum Competency Regulations, in operation from 28 July 2026.](https://payments.gi/jurisdictions/ireland/#mb-w1b) [Irish Statute Book](https://www.irishstatutebook.ie/eli/2026/si/295/made/en/print) T1 Probable 86. 86 CR Stablecoins & Digital Money 2026-06-19 ### [CONASSIF consultation on VASP AML regulation under Ley 10961 reported; no stablecoin-specific regime exists, BCCR maintains crypto/stablecoins are not legal tender.](https://payments.gi/jurisdictions/costa-rica/#mb-w2) [La Gaceta / Imprenta Nacional](https://www.imprentanacional.go.cr/pub/2026/06/19/ALCA78_19_06_2026.pdf) T1 Probable Also tracked by crypto:cross_border_transfer, financial-integrity:D5 87. 87 TT Licensing, Authorisation & Market Access 2026-06-17 ### [PSS Bill consultation closed 20 June 2026 (sandbox, simplified licensing, interoperability, ADR); Republic Bank's Endcash e-money app approved under New Product Guidelines as at 1 August 2026.](https://payments.gi/jurisdictions/trinidad-and-tobago/#mb-w1a) [Central Bank of Trinidad and Tobago](https://www.central-bank.org.tt/last-call-for-submissions-the-public-consultation-on-the-draft-payment-systems-and-services-bill-pss-and-accompanying-regulations/) T1 Probable 88. 88 NZ Commercial Intelligence & Fintech 2026-05-29 ### [Cuscal-Paymark acquisition completed.](https://payments.gi/jurisdictions/new-zealand/#mb-w13) [Cuscal Limited](https://www.cuscal.com/newsroom/media-releases/cuscal-completes-acquisition-of-paymark/) T1 Probable 89. 89 VE Correspondent Banking, Settlement & Access 2026-04-14 ### [OFAC GL 57 restored correspondent-banking access for four named VE state banks; BCV ended electronic clearing-house processing of cheques from 1 May 2026.](https://payments.gi/jurisdictions/venezuela/#mb-w12) [US Treasury OFAC](https://ofac.treasury.gov/media/935516/download?inline=) T1 Probable Also tracked by financial-integrity:D1 90. 90 ZM Licensing, Authorisation & Market Access 2026-04-08 ### [NPSA 2026 and BFSA 2026 enacted but uncommenced, consolidating PSP/e-money/moneylender licensing under BoZ.](https://payments.gi/jurisdictions/zambia/#mb-w1a) [ZambiaLII](https://zambialii.org/akn/zm/act/2026/5/eng@2026-04-08) T1 Probable 91. 91 PW Stablecoins & Digital Money 2026-02-16 ### [IMF Feb 2026 paper and bill text both located this cycle, materially deepening the standing record on the Draft Digital Payment System Bill (tokenized dollar); no custodian bank confirmed secured.](https://payments.gi/jurisdictions/palau/#mb-w2) [International Monetary Fund](https://www.imf.org/-/media/files/publications/selected-issues-papers/2026/english/sipea2026010.pdf) T1 Probable Also tracked by crypto:stablecoin_regime, financial-integrity:D5 92. 92 NZ Conduct, Safeguarding & Financial Promotions 2025-11-12 ### [Merchant surcharge-ban Bill reported from select committee, not yet enacted.](https://payments.gi/jurisdictions/new-zealand/#mb-w1b) [New Zealand Parliamentary Counsel Office](https://legislation.govt.nz/bill/government/2025/205/en/latest/) T1 Probable 93. 93 MH Stablecoins & Digital Money 2025-11-01 ### [USDM1, a US-Treasury-collateralised digital sovereign bond on Stellar, disburses quarterly UBI (ENRA); issuer disputes stablecoin/CBDC characterisation made by third-party trackers.](https://payments.gi/jurisdictions/marshall-islands/#mb-w2) [RMI Ministry of Finance](https://mof.gov.mh/usdm1/) T1 Probable Also tracked by crypto:stablecoin_regime 94. 94 MH Licensing, Authorisation & Market Access date pending ### [MIMA established under PL 2025-32, consolidating bank/MSB/payment-system oversight, superseding the Banking Commission's split role.](https://payments.gi/jurisdictions/marshall-islands/#mb-w1a) [RMI Ministry of Finance, Banking and Postal Services](https://mof.gov.mh/wp-content/uploads/2025/12/Financial-Access-and-the-Path-to-USDM1-Link.pdf) T1 Probable Also tracked by financial-integrity:D5 95. 95 APAC Licensing, Authorisation & Market Access 2026-10-05 ### [HKMA granted restricted banking licence to BAKAI BANK, bringing the restricted-licence bank count to 17.](https://payments.gi/jurisdictions/asia-pacific/#mb-w1a) [Hong Kong Monetary Authority](https://www.hkma.gov.hk/eng/news-and-media/press-releases/2026/10/20261005-4/) T1 Confirmed 96. 96 APAC Correspondent Banking, Settlement & Access 2026-10-02 ### [HKMA deepened bilateral payments/fintech cooperation with Bank Negara Malaysia and signed an MOU on regional trade-data connectivity.](https://payments.gi/jurisdictions/asia-pacific/#mb-w12) [Hong Kong Monetary Authority](https://www.hkma.gov.hk/eng/news-and-media/press-releases/2026/10/20261006-4/) T1 Confirmed 97. 97 CL Stablecoins & Digital Money 2026-08-05 ### [BCCh confirmed a first stablecoin regulatory consultation planned end-2026, definitive regulation targeted 2027.](https://payments.gi/jurisdictions/chile/#mb-w2) [Banco Central de Chile](https://www.bcentral.cl/en/content/-/detalle/-/detalle/resumen-informe-de-sistemas-de-pago-2026) T1 Confirmed Also tracked by crypto:stablecoin_regime 98. 98 JE Licensing, Authorisation & Market Access date pending ### [Bloomsbury Money granted MSB (e-money) licence by JFSC, announced 12 May 2026; Jersey has no dedicated EMI/PI regime distinct from Money Service Business classification.](https://payments.gi/jurisdictions/jersey/#mb-w1a) [Jersey Financial Services Commission](https://www.jerseyfsc.org/industry/codes-of-practice/money-service-business-code-of-practice/) T1 Confirmed 99. 99 AU Commercial Intelligence (M&A, Investment & Product) 2026-08-25 ### [Tyro Payments completed acquisition of Thriday by 25 August 2026.](https://payments.gi/jurisdictions/australia/#mb-w13) [ASX / Tyro Payments](https://announcements.asx.com.au/asxpdf/20260825/pdf/0735ckg507b2bg.pdf) T1 Probable 100. 100 DE Correspondent Banking, Settlement & Access 2025-11-22 ### [DTAZV legacy foreign-payment submission format confirmed to close to inbound submissions in November 2026, replaced by XAZV/ISO 20022.](https://payments.gi/jurisdictions/germany/#mb-w12) [Deutsche Bundesbank](https://www.bundesbank.de/resource/blob/762802/07da195a5fd32b4fc622384ddf254305/472B63F073F071307366337C94F8C870/technische-spezifikationen-hbv-individual-version-2-5-data.pdf) T1 Probable ## Regulatory horizon - AE [CBUAE Central Bank Law transition deadline for newly in-scope entities](https://payments.gi/jurisdictions/united-arab-emirates/) closed 2026-09-16 quarter - AFR [South Africa National Payment System Bill expected for public comment](https://payments.gi/jurisdictions/africa/) 2026-Q4 half year - AFR [South Africa Third Draft Authorisation Framework targeted for final publication](https://payments.gi/jurisdictions/africa/) 2026-Q3 quarter - AFR [Nigeria SEC tiered stablecoin reserve requirements finalisation](https://payments.gi/jurisdictions/africa/) 2026-Q4 half year - AG [Payment Systems and Services Act 2025 commencement](https://payments.gi/jurisdictions/antigua-and-barbuda/) 2027 year - AG [ECCB regional Fast Payment System development](https://payments.gi/jurisdictions/antigua-and-barbuda/) 2027 multi year - APAC [Hong Kong virtual-asset licensing amendment (custody/advisory/asset-management)](https://payments.gi/jurisdictions/asia-pacific/) 2026-Q4 quarter - AU [Scams Prevention Framework substantive obligations commence](https://payments.gi/jurisdictions/australia/) 2027-03-31 quarter - AU [Remaining SPF obligations expected to commence](https://payments.gi/jurisdictions/australia/) 2027-Q4 half year - BE [PSD3/PSR formal EU adoption expected](https://payments.gi/jurisdictions/belgium/) 2026-Q4 half year - BG [IPR Art 5a-5c compliance deadline for Bulgarian PSPs](https://payments.gi/jurisdictions/bulgaria/) 2027-01-01 quarter - BR [BR eFX stablecoin-settlement ban and Unicad registration deadline](https://payments.gi/jurisdictions/brazil/) 2026-10-30 quarter - BR [BR PSAV authorisation deadline (VASP market-access cliff)](https://payments.gi/jurisdictions/brazil/) 2026-10-30 quarter - BR [BR Pix Automático extension to salary accounts](https://payments.gi/jurisdictions/brazil/) 2027-07-01 quarter - BZ [Financial Services Commission (Amendment) Act, 2026 commencement](https://payments.gi/jurisdictions/belize/) 2027-Q1 half year - BZ [Digital Assets Bill, 2026 consultation](https://payments.gi/jurisdictions/belize/) 2027-Q1 half year - CA [Consumer-Driven Banking Regulations staggered commencement](https://payments.gi/jurisdictions/canada/) 2026-Q4 half year - CA-AB [RPAR 2026 annual-report deadline](https://payments.gi/jurisdictions/canada-alberta/) 2027-03-31 quarter - CA-AB [Stablecoin Act supporting regulations / in-force target](https://payments.gi/jurisdictions/canada-alberta/) 2027 year - CA-AB [RTR full major-institution participation target](https://payments.gi/jurisdictions/canada-alberta/) 2027-Q3 half year - CA-NB [RPAA ss.99-100 annual assessment fees remain uncommenced](https://payments.gi/jurisdictions/canada-new-brunswick/) 2026-Q4 half year - CA-NB [Open banking (CDBA) Phase 1 launch date undetermined](https://payments.gi/jurisdictions/canada-new-brunswick/) 2026-Q4 year - CA-ON [Consumer-Driven Banking Phase 1 (read access) rollout](https://payments.gi/jurisdictions/canada-ontario/) 2026-Q4 half year - CA-ON [Consumer-Driven Banking Phase 2 (write access/payment initiation)](https://payments.gi/jurisdictions/canada-ontario/) 2027-Q2 year - CA-ON [Stablecoin Act implementing regulations and registry](https://payments.gi/jurisdictions/canada-ontario/) 2027-Q1 year - CH [FinIA reform: Payment Instrument Institution and Crypto-Institution licences](https://payments.gi/jurisdictions/switzerland/) 2027 multi year - CH [Project Helvetia wholesale CBDC pilot extension end](https://payments.gi/jurisdictions/switzerland/) 2027-Q2 year - CI [BCEAO PI-SPI mandatory usage begins](https://payments.gi/jurisdictions/ivory-coast-uemoa-bloc/) 2026-11-02 quarter - CI [BCEAO PI-SPI cross-border free-tier begins](https://payments.gi/jurisdictions/ivory-coast-uemoa-bloc/) 2027-06-01 half year - CL [BCCh stablecoin regulatory consultation expected](https://payments.gi/jurisdictions/chile/) 2026-Q4 half year - CL [BCCh instant-payments/clearing-house consultation](https://payments.gi/jurisdictions/chile/) 2026-Q3 quarter - CM [Harmonised CEMAC crypto-asset regulatory framework expected](https://payments.gi/jurisdictions/cameroon/) 2026-Q4 half year - CR [CONASSIF implementing regulation for VASP AML regime finalisation](https://payments.gi/jurisdictions/costa-rica/) 2026-Q4 quarter - CW [Draft National Ordinances on payment/VASP/FMI supervision before Parliament](https://payments.gi/jurisdictions/curacao/) 2027 multi year - CW [CGA crypto-policy full technical compliance due](https://payments.gi/jurisdictions/curacao/) 2027-06 half year - CY [CBC EMI/PI pre-application exploratory stage in effect](https://payments.gi/jurisdictions/cyprus/) closed 2026-08-03 quarter - DE [Consumer Credit Directive implementation act: main commencement](https://payments.gi/jurisdictions/germany/) 2026-11-20 quarter - DE [DTAZV inbound submission format closes](https://payments.gi/jurisdictions/germany/) 2026-11 quarter - DO [SGPI instant-payments platform go-live](https://payments.gi/jurisdictions/dominican-republic/) 2027 multi year - DZ [Djezzy Payment Services must apply for full PSP agrément](https://payments.gi/jurisdictions/algeria/) 2027-Q3 year - EEA [PSD3/PSR expected Official Journal publication](https://payments.gi/jurisdictions/european-economic-area/) 2026-Q4 half year - EEA [Instant Payments Regulation non-euro-area receive-side deadline](https://payments.gi/jurisdictions/european-economic-area/) 2027-01-09 quarter - GG [GFSC licensed stablecoin regime feedback and rules](https://payments.gi/jurisdictions/guernsey/) 2026-Q4 quarter - GG-ALD [GFSC dedicated stablecoin regulatory framework expected](https://payments.gi/jurisdictions/guernsey-alderney/) 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 [Draft bill mandating electronic payment for courier COD transactions](https://payments.gi/jurisdictions/greece/) 2026-11 quarter - HK [HKMA CBDC settlement / 24-7 operations under EnsembleTX](https://payments.gi/jurisdictions/hong-kong/) 2026-Q4 quarter - HR [EU PSD3/Payment Services Regulation adoption and national transposition](https://payments.gi/jurisdictions/croatia/) 2026-Q4 multi year - HU [Hungary CCD2/BNPL regulated-credit perimeter commencement](https://payments.gi/jurisdictions/hungary/) 2026-11-20 quarter - IN [Draft RBI KYC Amendment Directions - mule account hold](https://payments.gi/jurisdictions/india/) 2027-Q1 half year - IN [UPI 0.4% MDR on merchant payments above ₹2,000](https://payments.gi/jurisdictions/india/) 2026-10-15 quarter - JE [Full COBO repeal](https://payments.gi/jurisdictions/jersey/) 2027 year - KE [Draft National Payment System Bill, 2026 - public comment / parliamentary process](https://payments.gi/jurisdictions/kenya/) 2026-Q4 half year - KE [Draft Bill compliance transition window (one year from Act's effective date)](https://payments.gi/jurisdictions/kenya/) 2027-Q4 year - KR [Token securities subordinate-regulation amendments in force](https://payments.gi/jurisdictions/south-korea/) 2027-02-04 quarter - KR [PG operator risk-assessment cadence tightens to quarterly](https://payments.gi/jurisdictions/south-korea/) 2027-10-01 quarter - KZ [First-category payment organisation regulations in force](https://payments.gi/jurisdictions/kazakhstan/) closed 2026-10-01 quarter - KZ [National Bank/ARDFM draft DFA-issuance resolution consultation](https://payments.gi/jurisdictions/kazakhstan/) 2026-Q4 quarter - LA [BOL revised NBFI (microfinance/pawnshop) licensing framework expected](https://payments.gi/jurisdictions/laos/) 2026-Q4 quarter - LATAM [Mexico digital-payments law full legislative vote](https://payments.gi/jurisdictions/latin-america/) 2026-Q4 quarter - LATAM [Brazil BCB VASP authorisation deadline](https://payments.gi/jurisdictions/latin-america/) 2026-10-30 quarter - LU [CSSF prudential reporting modernisation (eDesk) mandatory go-live](https://payments.gi/jurisdictions/luxembourg/) 2027-04-01 quarter - LU [Payconiq to Wero migration reported completion](https://payments.gi/jurisdictions/luxembourg/) closed 2026-09 quarter - LV [NILLTPFNL-adjacent: no WPM-specific horizon item identified this cycle beyond standing MiCA transitional closure (already in_force)](https://payments.gi/jurisdictions/latvia/) 2026-Q4 half year - MH [MIMA full supervisory build-out](https://payments.gi/jurisdictions/marshall-islands/) 2026-Q4 half year - MT [MFSA MiCA Rulebook register-of-information annual filing window](https://payments.gi/jurisdictions/malta/) 2027-Q1 quarter - MX [SPEI mobile-UX standardisation compliance deadline](https://payments.gi/jurisdictions/mexico/) 2026-12-14 quarter - MY [Basic Credit Card regime phased rollout](https://payments.gi/jurisdictions/malaysia/) closed 2026-10 quarter - MY [DAX operator transitional capital/shareholding deadline](https://payments.gi/jurisdictions/malaysia/) 2028-05-20 multi year - MZ [Lei n.º 15/2026 incumbent registration deadline](https://payments.gi/jurisdictions/mozambique/) 2026-12-29 quarter - NO [PSD3/PSR EEA incorporation into Norwegian law pending](https://payments.gi/jurisdictions/norway/) 2027-H2 year - NP [Digital-wallet National ID update deadline for existing users](https://payments.gi/jurisdictions/nepal/) 2026-10-17 quarter - NP [NRB Act Third Amendment Bill 2083 (CBDC legal tender) parliamentary progress](https://payments.gi/jurisdictions/nepal/) 2026-Q4 year - NZ [Surcharge-ban Bill awaiting second reading](https://payments.gi/jurisdictions/new-zealand/) 2026-Q4 half year - NZ [Fair Trading Amendment Bill select committee report due](https://payments.gi/jurisdictions/new-zealand/) 2026-11-26 quarter - PA [Anteproyecto de Ley 314 committee progress](https://payments.gi/jurisdictions/panama/) 2027-Q1 multi year - PA [Acuerdo 6-2026 credit-adequation deadline now 31 March 2027](https://payments.gi/jurisdictions/panama/) 2027-03-31 quarter - PE [TAPP Phase 3 controlled pilot](https://payments.gi/jurisdictions/peru/) 2026-12 quarter - PE [SBS Open Finance regulatory proposal progression](https://payments.gi/jurisdictions/peru/) 2026-Q4 half year - PE [Peru Travel Rule chapter commencement (deferred)](https://payments.gi/jurisdictions/peru/) 2029-01-01 year - PL [KNF Instant Payments sanctions power takes effect](https://payments.gi/jurisdictions/poland/) 2027-01-09 quarter - PT [6AMLD transposition reply deadline for Portugal](https://payments.gi/jurisdictions/portugal/) 2026-Q4 quarter - PW [Draft Digital Payment System Bill before 12th Olbiil Era Kelulau](https://payments.gi/jurisdictions/palau/) 2027 multi year - QA [QCB open-banking interoperability standards and unified consent model expected](https://payments.gi/jurisdictions/qatar/) 2026-Q4 half year - RS [Draft Law on Payment Services (NBS) - fraud-reporting/fund-recovery rules](https://payments.gi/jurisdictions/serbia/) 2027-Q2 year - RS [Draft Law on Interchange Fees - international card transaction caps](https://payments.gi/jurisdictions/serbia/) 2027-Q2 year - RU [Digital-rouble mandatory settlement capability for SIBs and large retailers](https://payments.gi/jurisdictions/russia/) closed 2026-09-01 quarter - RW [CMA secondary regulations under Law No. 023/2026 expected](https://payments.gi/jurisdictions/rwanda/) 2027-Q1 half year - SE [RBFS 2025:1 credit-transfer reporting limb takes effect](https://payments.gi/jurisdictions/sweden/) 2027-10-01 quarter - SE [EU Instant Payments Regulation: Swedish banks must receive euro instant payments](https://payments.gi/jurisdictions/sweden/) 2027-01-09 quarter - SE [EU Instant Payments Regulation: Swedish banks must send euro instant payments](https://payments.gi/jurisdictions/sweden/) 2027-07-09 quarter - SE [Riksbank instant-payments informal market target](https://payments.gi/jurisdictions/sweden/) 2027-03 quarter - SE [Nordic Payments Council NOLO cross-currency framework expected in place](https://payments.gi/jurisdictions/sweden/) 2026-11 quarter - SE [Trustly capital raise expected to close](https://payments.gi/jurisdictions/sweden/) 2026-11 quarter - SG [MAS CP P015-2026 stablecoin consultation closes](https://payments.gi/jurisdictions/singapore/) 2026-10-16 quarter - SI [PSD3/PSR Official Journal publication expected](https://payments.gi/jurisdictions/slovenia/) 2026-Q4 half year - SN [BCEAO e-money ceiling increase in force](https://payments.gi/jurisdictions/senegal/) 2026-11-02 quarter - SN [Free P2P transfer tier takes effect](https://payments.gi/jurisdictions/senegal/) 2026-11-02 quarter - TH [BOT expanded cash-transaction KYC/CDD rule - consultation outcome](https://payments.gi/jurisdictions/thailand/) 2026-Q4 quarter - TN [BCT Circulaire n°2026-10 enters into force](https://payments.gi/jurisdictions/tunisia/) 2026-12-25 quarter - TT [Draft PSS Bill expected enactment](https://payments.gi/jurisdictions/trinidad-and-tobago/) 2027-Q1 year - TW [VASA nine subordinate regulations expected commencement](https://payments.gi/jurisdictions/taiwan/) 2027-Q1 quarter - TZ [BOT draft prudential/licensing regulations consultation closes](https://payments.gi/jurisdictions/tanzania/) 2026-10-28 quarter - TZ [Mandatory Electronic Payments Order transitional period ends](https://payments.gi/jurisdictions/tanzania/) 2026-12-31 quarter - UAE [New CBUAE Law full compliance deadline for newly-in-scope entities](https://payments.gi/jurisdictions/united-arab-emirates/) closed 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 - US [Florida stablecoin issuer federal-oversight transition trigger](https://payments.gi/jurisdictions/united-states/) 2027-Q4 multi year - US-AK [SB86 money-transmission licensee transition deadline](https://payments.gi/jurisdictions/united-states-alaska/) 2028-07-01 year - US-AL [AL stablecoin offer/sale restriction to non-permitted issuers begins](https://payments.gi/jurisdictions/united-states-alabama/) 2028-07-18 multi year - US-CA [DFPI MTA exemption for fiat transmission incidental to DFAL activity (proposed)](https://payments.gi/jurisdictions/united-states-california/) 2027-Q1 year - US-DC [DISB Earned Wage Access rulemaking pending](https://payments.gi/jurisdictions/united-states-district-of-columbia/) 2026-Q4 half year - US-DE [Delaware OSBC implementing regulations for SB18/SB19 due](https://payments.gi/jurisdictions/united-states-delaware/) 2028-01-06 year - US-DE [Delaware SB18/SB19 licensure deadline](https://payments.gi/jurisdictions/united-states-delaware/) 2027-07-06 quarter - US-FL [Florida stablecoin issuer transition to federal oversight at $10bn issuance](https://payments.gi/jurisdictions/united-states-florida/) 2027-Q4 multi year - US-GA [Georgia 2027 money-transmitter/merchant-acquirer-limited-purpose-bank licence renewal cycle](https://payments.gi/jurisdictions/united-states-georgia/) 2027-Q1 half year - US-IL [DACPA/DAKA implementing rules JCAR hearing](https://payments.gi/jurisdictions/united-states-illinois/) 2026-10-20 quarter - US-IL [DACPA registration requirement commences](https://payments.gi/jurisdictions/united-states-illinois/) 2027-07-01 year - US-KS [Kansas kiosk incumbent-operator 60-day licensing deadline](https://payments.gi/jurisdictions/united-states-kansas/) 2026-Q3 quarter - US-KY [SB189 virtual-currency kiosk licensing regime becomes fully operative](https://payments.gi/jurisdictions/united-states-kentucky/) 2027-04-30 quarter - US-LA [Louisiana Money Transmission Act transitional compliance deadline for incumbent licensees](https://payments.gi/jurisdictions/united-states-louisiana/) 2027-Q3 half year - US-MI [Michigan Money Transmission Modernization Act repeal/replace of 2006 PA 250](https://payments.gi/jurisdictions/united-states-michigan/) 2027-07-01 year - US-MN [Virtual-currency kiosk wind-down deadline](https://payments.gi/jurisdictions/united-states-minnesota/) 2026-12-31 quarter - US-MT [Montana Consumer Loan Act crypto-collateral amendment preview](https://payments.gi/jurisdictions/united-states-montana/) 2027-Q1 half year - US-NC [NCCOB finalizes Virtual Currency Kiosk implementing rules](https://payments.gi/jurisdictions/united-states-north-carolina/) 2026-11-15 quarter - US-ND [GENIUS Act Treasury NPRM on state/federal 'substantial similarity' finalization](https://payments.gi/jurisdictions/united-states-north-dakota/) 2026-Q4 half year - US-NH [HB 1207 certificate-of-authority and fee provisions take effect](https://payments.gi/jurisdictions/united-states-new-hampshire/) 2027-07-01 quarter - US-NH [SB 482 digital-asset kiosk restrictions take effect](https://payments.gi/jurisdictions/united-states-new-hampshire/) 2026-12-16 quarter - US-NY [Proposed 23 NYCRR Part 202 stablecoin rule adoption](https://payments.gi/jurisdictions/united-states-new-york/) 2026-Q4 half year - US-NY [NY BNPL rulemaking potential adoption](https://payments.gi/jurisdictions/united-states-new-york/) 2026-Q4 half year - US-OH [HB 648 digital-asset kiosk MTL registration](https://payments.gi/jurisdictions/united-states-ohio/) 2027-Q1 half year - US-OK [Oklahoma Money Transmission Modernization Act (HB 3521) in force](https://payments.gi/jurisdictions/united-states-oklahoma/) 2026-11-01 quarter - US-OK [Chime/Stride Bank acquisition expected to close](https://payments.gi/jurisdictions/united-states-oklahoma/) 2027-Q2 half year - US-SC [Guarantee Banking Act (H.5538) comes into force](https://payments.gi/jurisdictions/united-states-south-carolina/) 2026-12-30 quarter - US-TN [UCC controllable-electronic-records transition adjustment date](https://payments.gi/jurisdictions/united-states-tennessee/) 2027-07-01 year - US-TX [Texas GENIUS Act state-certification framework for payment-stablecoin issuers](https://payments.gi/jurisdictions/united-states-texas/) 2027-Q2 year - US-UT [SB 298 Programmable Money Amendments take effect](https://payments.gi/jurisdictions/united-states-utah/) 2027-05-05 quarter - US-UT [SB 173 / HB 141 final enactment status to be confirmed](https://payments.gi/jurisdictions/united-states-utah/) 2026-Q4 half year - US-VA [Virginia Virtual Currency Kiosk License (Chapter 22.2) effective](https://payments.gi/jurisdictions/united-states-virginia/) 2027-07-01 quarter - US-VA [SCC Chapter 120 implementing-regulation final adoption (pending confirmation)](https://payments.gi/jurisdictions/united-states-virginia/) 2026-Q4 half year - US-VT [Act 142 commercial-financing licensing regime commences](https://payments.gi/jurisdictions/united-states-vermont/) 2027-07-01 quarter - US-WY [Model Money Transmission Modernization Act carried for revision](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 - UY [PSAV general compliance deadline](https://payments.gi/jurisdictions/uruguay/) 2027-06-30 quarter - UY [PSAV existing-operator registration window closes](https://payments.gi/jurisdictions/uruguay/) 2027-03-31 quarter - VU [RBV Act No. 37 of 2025 commencement pending](https://payments.gi/jurisdictions/vanuatu/) 2026-Q4 half year - ZA [SARB final Authorisation Framework expected](https://payments.gi/jurisdictions/south-africa/) 2026-Q3 quarter - ZA [Crypto Asset Manual for Cross-Border Activities outcome pending](https://payments.gi/jurisdictions/south-africa/) 2026-Q4 quarter - ZM [National Payment System Act 2026 commencement](https://payments.gi/jurisdictions/zambia/) 2027-Q1 year - ZM [Banking and Financial Services Act 2026 commencement](https://payments.gi/jurisdictions/zambia/) 2027-Q1 year