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title: Roundup — WorldPayments Monitor — 2026-10-18
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## New or updated since 2026-10-11

New to this edition or changed since the last one.

1.

1

US Conduct, Safeguarding & Financial Promotions 2026-10-14

### [OCC debanking report finds all nine largest national banks maintained reputational-risk-based access policies implementing Executive Order 14331.](https://payments.gi/jurisdictions/united-states/#mb-w1b)

[Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-90.html) T1 Confirmed

Also tracked by financial-integrity:D3

2.

2

AT Conduct, Safeguarding & Financial Promotions 2026-10-12

### [FMA published warnings against Vantex Bank (9 Oct 2026, unauthorised banking business) and Bull Trade24 Ltd (12 Oct 2026, unauthorised execution of client orders under WAG 2018).](https://payments.gi/jurisdictions/austria/#mb-w1b)

[FMA Österreich](https://www.fma.gv.at/en/) T1 Confirmed

Also tracked by crypto:crypto_licensing, financial-integrity:D5

3.

3

NL Stablecoins & Digital Money 2026-10-12

### [AFM/DNB joint report (12 Oct 2026) finds Dutch civil/securities law provides no basis for native securities tokenisation, warning of migration risk and recommending a joint government/industry follow-up.](https://payments.gi/jurisdictions/netherlands/#mb-w2)

[AFM](https://www.afm.nl/en/sector/actueel/2026/okt/sb-tokenisatie) T1 Confirmed

Also tracked by crypto:on_chain_activity_regime, financial-integrity:D5

4.

4

UA Commercial Intelligence & Fintech 2026-10-12

### [NBU-IFC 'Digital Finance Future Ukraine' cooperation agreement signed 12 Oct 2026, running to 2029.](https://payments.gi/jurisdictions/ukraine/#mb-w13)

[National Bank of Ukraine](https://bank.gov.ua/en/news/all/natsionalniy-bank-ta-mijnarodna-finansova-korporatsiya-prodovjuyut-spivpratsyu-dlya-rozvitku-tsifrovih-finansovih-poslug-v-ukrayini) T1 Confirmed

5.

5

US-MI Legal & Litigation 2026-10-09

### [Coinbase stipulated to halt new MI sports-related event contracts by Oct 10, 2026; CFTC interim final rule effective Oct 19, 2026 bears on federal-preemption defence in pending Sixth Circuit appeal.](https://payments.gi/jurisdictions/united-states-michigan/#mb-w7)

[Michigan Gaming Control Board](https://www.michigan.gov/mgcb/news/2026/10/07/coinbase-agrees-to-halt-sports-related-event-contracts-in-michigan) T1 Confirmed

Also tracked by crypto:commercial_activity

6.

6

EEA Stablecoins & Digital Money 2026-10-08

### [ESMA 8 Oct 2026 opinion tightens non-compliant stablecoin service expectations; Council CASP supervision position.](https://payments.gi/jurisdictions/european-economic-area/#mb-w2)

[ESMA](https://www.esma.europa.eu/press-news/esma-news/esma-sets-out-supervisory-expectations-services-related-unauthorised) T1 Confirmed

Also tracked by crypto:stablecoin_regime, financial-integrity:D5

7.

7

US-GA Licensing, Authorisation & Market Access 2026-10-07

### [DBF enforcement against unlicensed/non-compliant virtual-currency money-transmission businesses intensified: multistate Coinme Consent Order (2026-10-07) and finalized Polar Tensor US cease-and-desist (2026-09-17, backfill).](https://payments.gi/jurisdictions/united-states-georgia/#mb-w1a)

[Georgia Department of Banking and Finance](https://dbf.georgia.gov/press-releases/2026-10-08/consent-order-entered-coinme-inc) T1 Confirmed

Also tracked by crypto:crypto_licensing, financial-integrity:D5

8.

8

AU Licensing, Authorisation & Market Access 2026-10-06

### [RBA Summary of Submissions (6 Oct 2026) moves the Review of Payments System Regulation from consultation to evidence assessment; regulatory-priorities list due end-2026.](https://payments.gi/jurisdictions/australia/#mb-w1a)

[Reserve Bank of Australia](https://www.rba.gov.au/payments-and-infrastructure/regulatory-reviews/review-of-payments-system-regulation-2026/summary-of-submissions/pdf/summary-of-submissions-to-issues-paper.pdf) T1 Confirmed

9.

9

BZ Product Innovation & Market Development 2026-10-02

### [Central Bank of Belize's Instant Payment System remains in its 18-month implementation phase; a public naming exercise was still active as of 2 October 2026.](https://payments.gi/jurisdictions/belize/#mb-w9)

[Central Bank of Belize](https://www.centralbank.org.bz/home/help-name-belize's-instant-payment-system!) T1 Confirmed

10.

10

AU Merchant Acquiring & Risk 2026-10-01

### [RBA's surcharge-ban and interchange-cap reforms took effect 1 October 2026; new quarterly interchange pass-through transparency obligations and net-compensation anti-circumvention rules now apply.](https://payments.gi/jurisdictions/australia/#mb-w8)

[Reserve Bank of Australia](https://www.rba.gov.au/publications/annual-reports/psb/2026/payments-system-regulation-and-policy-issues.html) T1 Confirmed

11.

11

US-CT Operational Resilience & Critical Infrastructure 2026-10-01

### [PA 26-51 (HB 5208), effective Oct 1, 2026, imposes a 3-business-day data-security-incident notification duty on DOB licensees, CT banks and credit unions.](https://payments.gi/jurisdictions/united-states-connecticut/#mb-w3)

[Connecticut General Assembly](https://www.cga.ct.gov/2026/ACT/PA/PDF/2026PA-00051-R00HB-05208-PA.PDF) T1 Confirmed

Also tracked by data-protection:sectoral_watch

12.

12

US-FL Stablecoins & Digital Money 2026-10-01

### [Florida's payment-stablecoin licensing framework (HB 175/SB 314) commenced Oct 1, 2026, with virtual-currency-kiosk registration (HB 505) commencing Jan 1, 2027.](https://payments.gi/jurisdictions/united-states-florida/#mb-w2)

[The Florida Senate](https://flsenate.gov/Committees/DownloadBillSummary/8405) T1 Confirmed

Also tracked by crypto:crypto_licensing, financial-integrity:D5

13.

13

US-IL Licensing, Authorisation & Market Access 2026-10-01

### [MTMA rules (38 IAC 207) moved to Second Notice alongside DACPA/DAKA rules to reconcile money-transmission and digital-asset licensing perimeters; TOMA repealed effective 2026-01-01.](https://payments.gi/jurisdictions/united-states-illinois/#mb-w1a)

[Illinois Department of Financial and Professional Regulation](https://idfpr.illinois.gov/banks/digital-assets/resources-for-businesses.html) T1 Confirmed

Also tracked by crypto:crypto_licensing, financial-integrity:D5

14.

14

NL AML/CFT & Financial Crime 2026-09-30

### [Sentinel-fed: DNB fined Modulr Finance B.V. (Dutch EMI) €722,160 on 30 September 2026 for Wwft ongoing-monitoring failures involving reliance on crypto-platform intermediary partners -- DNB's first publicly recorded AML fine against an EMI.](https://payments.gi/jurisdictions/netherlands/#mb-w11)

[De Nederlandsche Bank](https://www.dnb.nl/en/general-news/enforcement-measures-2026/administrative-fine-imposed-on-modulr-finance-b-v-for-inadequate-customer-due-diligence/) T1 Confirmed

Also tracked by financial-integrity:D7

15.

15

NZ Licensing, Authorisation & Market Access 2026-09-30

### [Payments NZ API Centre ceased operating 30 September 2026; MBIE now leads open-banking standards management under the Customer and Product Data Act 2025.](https://payments.gi/jurisdictions/new-zealand/#mb-w1a)

[Ministry of Business, Innovation and Employment (MBIE)](https://www.mbie.govt.nz/business-and-employment/business/consumer-data-right/consumer-data-right-policy-design/open-banking) T1 Confirmed

16.

16

ZA Licensing, Authorisation & Market Access 2026-08-11

### [SARB withdrew PASA's PSMB recognition; functions transferred to SARB/PayInc from 11 Aug 2026, formally lapsing 2 Sep 2026.](https://payments.gi/jurisdictions/south-africa/#mb-w1a)

[South African Reserve Bank](https://www.resbank.co.za/en/home/publications/publication-detail-pages/media-releases/2026/Transition-of-national-payment-system-management-functions) T1 Confirmed

17.

17

TT Licensing, Authorisation & Market Access 2026-08-01

### [Remote Gambling Order linked by government to e-money licensing and draft PSS Bill as payments channel.](https://payments.gi/jurisdictions/trinidad-and-tobago/#mb-w1a)

[Central Bank of Trinidad and Tobago](https://www.central-bank.org.tt/fintech-and-payments/payment-system-landscape/) T1 Confirmed

18.

18

US-MN Stablecoins & Digital Money 2026-08-01

### [Minnesota's virtual-currency kiosk ban (SF3868, effective 2026-08-01) repeals the prior kiosk licensure regime; a separate 2026 law opens bank/credit-union virtual-currency custody on 60-day notice to Commerce; the §53B.72 customer-disclosure rules took effect 2026-01-01.](https://payments.gi/jurisdictions/united-states-minnesota/#mb-w2)

[Minnesota House of Representatives](https://www.house.mn.gov/NewLaws/consolidated/2026) T1 Confirmed

19.

19

MT Stablecoins & Digital Money 2026-07-01

### [MiCA Art 60(4) EMT custody notification confirmed; VFA Act repealed 3 July 2026; MiCA transitional period ended EU-wide 1 July 2026.](https://payments.gi/jurisdictions/malta/#mb-w2)

[ESMA](https://www.esma.europa.eu/sites/default/files/2026-04/ESMA75-113276571-1679_Statement_on_the_end_of_transitional_periods_under_MiCA.pdf) T1 Confirmed

20.

20

US-MI Licensing, Authorisation & Market Access 2026-07-01

### [Michigan's money-transmission licensing framework (MCL 487.1001-487.1047) is mid-transition via HB 5544 (Money Transmission Modernization Act, CSBS model law), passed House 97-10, pending Senate committee, engrossed repeal date July 1, 2027.](https://payments.gi/jurisdictions/united-states-michigan/#mb-w1a)

[Michigan Legislature](https://www.legislature.mi.gov/Bills/Bill?ObjectName=2026-HB-5544) T1 Confirmed

Also tracked by crypto:crypto_licensing, financial-integrity:D7

21.

21

US-WA Licensing, Authorisation & Market Access 2026-07-01

### [DFI's Coinme consent order and parallel Bitcoin Depot Statement of Charges materially affect market access for the crypto-kiosk money-transmitter licensee class.](https://payments.gi/jurisdictions/united-states-washington/#mb-w1a)

[Washington State Legislature](https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bill%20Reports/Senate/5328-S%20SBR%203RD%2026.pdf) T1 Confirmed

22.

22

UK Stablecoins & Digital Money 2026-06-30

### [FCA finalised non-systemic UK stablecoin-issuance regime (PS26/10, PS26/12) and crypto perimeter guidance (PS26/18); commencement 25 Oct 2027.](https://payments.gi/jurisdictions/united-kingdom/#mb-w2)

[Financial Conduct Authority](https://www.fca.org.uk/publication/policy/ps26-10.pdf) T1 Confirmed

Also tracked by crypto:stablecoin_regime

23.

23

US-CA Stablecoins & Digital Money 2026-06-29

### [DFAL fully operative July 1, 2026; SB 97 repealed stablecoin-issuer licensing; PRO 02-23 regs effective June 29, 2026.](https://payments.gi/jurisdictions/united-states-california/#mb-w2)

[California Department of Financial Protection and Innovation](https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/laws-and-regulations-money-transmitters/) T1 Confirmed

24.

24

TR Licensing, Authorisation & Market Access 2026-10-10

### [CBRT cancelled an EMI licence (Parakolay) and granted a new one (NXT) within the window, confirming continued active-supervision churn.](https://payments.gi/jurisdictions/turkey/#mb-w1a)

[CBRT (TCMB)](https://www.tcmb.gov.tr/wps/wcm/connect/TR/TCMB+TR/Main+Menu/Banka+Hakkinda/Mevzuat/Odeme+Sistemleri/) T1 Confirmed

25.

25

LA Licensing, Authorisation & Market Access 2025-12-18

### [BOL Decision 511/BOL (19 Jun 2025) on the Payment Service System governs payment licensing in Laos, superseding the 2016 money-transfer decision; minimum capital thresholds and 5-year renewable licence terms confirmed via backfill.](https://payments.gi/jurisdictions/laos/#mb-w1a)

[Bank of the Lao PDR](https://www.bol.gov.la/en/fileupload/18-12-2025_1766051569.pdf) T1 Confirmed

26.

26

ES AML/CFT & Financial Crime 2026-10-08

### [RD 813/2026 amends Ley 10/2010/RD 304/2014, removing the EUR 1,000 identification threshold for crypto-asset ATMs and tightening small-entity SEPBLAC-representative duties, effective 28 Oct 2026.](https://payments.gi/jurisdictions/spain/#mb-w11)

[Boletín Oficial del Estado](https://www.boe.es/buscar/doc.php?id=BOE-A-2026-20915) T1 Confirmed

27.

27

SG Stablecoins & Digital Money 2026-10-16

### [MAS's consultation to give statutory force to its 2023-finalised Single-Currency Stablecoin policy closed 16 October 2026, proposing a systemic-stablecoin designation and delisting power; no commencement date announced.](https://payments.gi/jurisdictions/singapore/#mb-w2)

[Monetary Authority of Singapore](https://www.mas.gov.sg/publications/consultations/2026/consultation-on-proposed-amendments-to-the-payment-services-act-for-stablecoin-regulation) T1 Confirmed

Also tracked by financial-integrity:D5

28.

28

VE Correspondent Banking, Settlement & Access 2026-10-13

### [GL 60A amendment extends sanctions-constrained correspondent-banking/fund-transfer access for Venezuela earthquake relief.](https://payments.gi/jurisdictions/venezuela/#mb-w12)

[US Federal Register / GovInfo](https://www.govinfo.gov/content/pkg/FR-2026-10-13/html/2026-20831.htm) T1 Confirmed

29.

29

US-AK Stablecoins & Digital Money 2026-10-08

### [SB249 creates a dedicated virtual-currency kiosk licensing and conduct regime under AS 06.55, effective 2026-10-01; Alaska DBS exercised this authority in the Coinme enforcement settlement.](https://payments.gi/jurisdictions/united-states-alaska/#mb-w2)

[CSBS](https://www.csbs.org/newsroom/state-financial-regulators-reach-25-million-settlement-crypto-kiosk-operator) T1 Confirmed

Also tracked by financial-integrity:D5

30.

30

US-KS AML/CFT & Financial Crime 2026-10-08

### [Coinme multistate BSA/AML settlement is the first enforcement precedent under the new VCKCPA regime.](https://payments.gi/jurisdictions/united-states-kansas/#mb-w11)

[Kansas Office of the State Bank Commissioner](https://osbckansas.gov/kansas-joins-2-5-million-settlement-with-crypto-kiosk-operator/) T1 Confirmed

Also tracked by crypto:crypto_licensing

31.

31

IM Licensing, Authorisation & Market Access 2026-10-05

### [IOMFSA revoked the entire FSA08 licence of Blackfridge SC Limited (Class 8 payment/e-money licenceholder) effective 5 October 2026.](https://payments.gi/jurisdictions/isle-of-man/#mb-w1a)

[Isle of Man Financial Services Authority](https://www.iomfsa.im/fsa-news/2026/oct/public-statement-in-respect-of-blackfridge-sc-limited-and-the-revocation-of-its-licence-to-carry-on-certain-regulated-activities-under-the-financial-services-act-2008-the-act) T1 Confirmed

Also tracked by crypto:crypto_licensing, financial-integrity:D5

32.

32

US-MD Licensing, Authorisation & Market Access 2026-10-01

### [Ch.20/21 payroll-processor exclusion and Ch.417 kiosk-operator broadening both commenced October 1, 2026.](https://payments.gi/jurisdictions/united-states-maryland/#mb-w1a)

[Maryland General Assembly](https://mgaleg.maryland.gov/2026RS/chapters_noln/Ch_20_hb0118T.pdf) T1 Confirmed

Also tracked by financial-integrity:D3

33.

33

US-NE Licensing, Authorisation & Market Access 2026-07-18

### [LB838 foreign-adversary control bar and remittance excise tax; LB717 payroll processor exemption; Coinme settlement.](https://payments.gi/jurisdictions/united-states-nebraska/#mb-w1a)

[Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=8-2750) T1 Confirmed

Also tracked by financial-integrity:D1

34.

34

US-KS Licensing, Authorisation & Market Access 2026-07-01

### [HB 2591 extends KMTA licensure to virtual-currency kiosk operators; Bank Commissioner retirement creates transition risk.](https://payments.gi/jurisdictions/united-states-kansas/#mb-w1a)

[Kansas Secretary of State](https://sos.ks.gov/publications/sessionlaws/2026/Chapter-102-HB-2591.html) T1 Confirmed

Also tracked by crypto:consumer_protection, financial-integrity:D5

35.

35

AFR Licensing, Authorisation & Market Access 2026-06-23

### [SARB ends PASA self-regulation, proposes cross-border facilitator directive.](https://payments.gi/jurisdictions/africa/#mb-w1a)

[South African Reserve Bank](https://www.resbank.co.za/en/home/publications/publication-detail-pages/media-releases/2026/cross-border-regulation) T1 Confirmed

36.

36

US-NY Stablecoins & Digital Money 2026-06-09

### [NYDFS proposed 23 NYCRR Part 202 to codify and align NY stablecoin regime with the federal GENIUS Act; not yet adopted; effective date tied to GENIUS Act commencement (no later than Jan 18 2027).](https://payments.gi/jurisdictions/united-states-new-york/#mb-w2)

[NYDFS](https://www.dfs.ny.gov/industry-guidance/regulations/proposed-fs/rp-fs-23nycrr-202-text) T1 Confirmed

Also tracked by crypto:stablecoin_regime, financial-integrity:D5

37.

37

US-LA Stablecoins & Digital Money 2026-07-24

### [VCBA sunset repealed (Act 923/SB163) and kiosk refund rules tightened (Act 482/SB287), both eff. 1 Aug 2026.](https://payments.gi/jurisdictions/united-states-louisiana/#mb-w2)

[Louisiana Office of Financial Institutions](https://ofi.la.gov/wp-content/uploads/2026/07/NonDep_2026VCBASunsetLegislation_SB163.pdf) T1 Confirmed

38.

38

US-LA Licensing, Authorisation & Market Access 2026-06-09

### [New Louisiana Money Transmission Act (Act 888/HB1230) replaces 1966 regime, eff. 1 Jul 2026, administered by OFI via NMLS.](https://payments.gi/jurisdictions/united-states-louisiana/#mb-w1a)

[Louisiana Legislature](https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1481521) T1 Confirmed

Also tracked by financial-integrity:D7

39.

39

HU Operational Resilience & Critical Infrastructure 2026-10-18

### [MNB preparing Instant Payment Scheme 2.0 (raised cap to HUF 30m, mandatory QR/NFC, positive confirmation); qvik breaches classified as 'serious breach'; new ATM Act elevates branch/ATM cash-service continuity obligation to statute.](https://payments.gi/jurisdictions/hungary/#mb-w3)

[Magyar Nemzeti Bank](https://www.mnb.hu/letoltes/mnb-payment-systems-report-2026-final.pdf) T1 Probable

40.

40

US-ND Licensing, Authorisation & Market Access 2026-10-16

### [NDDFI issued perpetual participation-prohibition orders against two individuals from ND-licensed financial entities.](https://payments.gi/jurisdictions/united-states-north-dakota/#mb-w1a)

[North Dakota Department of Financial Institutions](https://www.einnews.com/pr_news/950251731/trevino-trousdale-and-ricks-prohibited-from-further-participation) T1 Probable

41.

41

SI Operational Resilience & Critical Infrastructure 2026-10-13

### [BSI broadened ICT-risk dashboard scope from cyber-only to all ICT risk effective Q3 2026; ICT risk assessed as elevated and increasing.](https://payments.gi/jurisdictions/slovenia/#mb-w3)

[Banka Slovenije](https://www.bsi.si/en/publications/p/financial-stability-report-october-2026) T1 Probable

42.

42

SN Payment Corridor Dynamics 2026-10-02

### [BCEAO's PI-SPI platform becomes mandatory for interoperable e-money transactions from 2 November 2026, with a revised fee schedule.](https://payments.gi/jurisdictions/senegal/#mb-w5)

[BCEAO](https://www.bceao.int/fr/communique-presse/transactions-de-monnaie-electronique-entre-personnes-physiques-par-0) T1 Probable

Also tracked by financial-integrity:D8

43.

43

GI Conduct, Safeguarding & Financial Promotions 2026-07-16

### [Financial Services (Electronic Money) (Amendment) Regulations 2026 (LN.2026/225) commenced 16 Jul 2026, strengthening safeguarding and introducing dividend restrictions.](https://payments.gi/jurisdictions/gibraltar/#mb-w1b)

[Government of Gibraltar](https://www.gibraltarlaws.gov.gi/legislations?topic=425) T1 Probable

44.

44

AFR Payment Corridor Dynamics 2026-07-09

### [PAPSS adds BEAC and Pesalink in 2026.](https://payments.gi/jurisdictions/africa/#mb-w5)

[PAPSS](https://papss.com/media/) T1 Probable

45.

45

EC Product Innovation & Market Development 2026-06-18

### [JPRFM-2026-029-M (18 Jun 2026) entrenches payment-order irrevocability, mandates 24/7 real-time processing, standardises QR codes, introduces payment-key portability.](https://payments.gi/jurisdictions/ecuador/#mb-w9)

[Banco Central del Ecuador](https://www.bce.fin.ec/storage/JPRFM/resoluciones/JPRFM-2026-029-M.pdf) T1 Probable

46.

46

PH Operational Resilience & Critical Infrastructure 2026-04-27

### [BSP Memorandum M-2026-047 starts the 60-calendar-day clock for first CCSA submission via ASTERisC*; subsequent annual submissions due by 31 March.](https://payments.gi/jurisdictions/philippines/#mb-w3)

[BSP (via Divina Law summary)](https://www.divinalaw.com/wp-content/uploads/2026/05/BSP-03-BSP-Circular-No.-1232-Series-of-2026-1.pdf) T1 Probable

47.

47

LT Licensing, Authorisation & Market Access 2026-03-06

### [Paytend Europe UAB's EMI licence revoked for AML/CFT and internal-control failures.](https://payments.gi/jurisdictions/lithuania/#mb-w1a)

[Lietuvos bankas](https://www.lb.lt/en/news/paytend-europe-uab-has-lost-its-licence) T1 Probable

Also tracked by financial-integrity:D3

48.

48

SE Stablecoins & Digital Money 2026-10-15

### [Riksbank recommends digital-krona legislative preparation citing stablecoin competitive risk.](https://payments.gi/jurisdictions/sweden/#mb-w2)

[Sveriges Riksbank](https://www.riksbank.se/sv/betalningar--kontanter/e-krona/) T1 Probable

Also tracked by crypto:stablecoin_regime, financial-integrity:D5

49.

49

MT Licensing, Authorisation & Market Access 2026-10-14

### [MFSA's Financial Institutions Rulebook Chapter 3 (FIR/03) confirmed revised; 2011/2019 versions now listed as superseded.](https://payments.gi/jurisdictions/malta/#mb-w1a)

[MFSA](https://www.mfsa.mt/our-work/financial-institutions/) T1 Probable

50.

50

FI Legal & Litigation 2026-10-12

### [Helsinki Administrative Court overturned FIN-FSA's EUR 1,000,000 penalty against Alexandria Group Oyj (non-payments investment firm); relevance to WPM is general FIN-FSA enforcement posture only.](https://payments.gi/jurisdictions/finland/#mb-w7)

[Finanssivalvonta via STT Info](https://www.sttinfo.fi/announcement/72403865?publisherId=69817444&lang=fi) T1 Probable

51.

51

HK Commercial Intelligence & Fintech 2026-10-12

### [Matrixport HK (Flying Hippo Technologies) withdrew its SFC VATP application on 12 Oct 2026, a market-exit event.](https://payments.gi/jurisdictions/hong-kong/#mb-w13)

[Securities and Futures Commission (SFC)](https://www.sfc.hk/en/Welcome-to-the-Fintech-Contact-Point/Virtual-assets/Virtual-asset-trading-platforms-operators/Lists-of-virtual-asset-trading-platforms) T1 Probable

Also tracked by crypto:crypto_licensing

52.

52

US-CO Commercial Intelligence & Fintech 2026-10-08

### [Polygon Labs closed its acquisition of Coinme on 14 Oct 2026, gaining 37 state money-transmitter licenses including Colorado.](https://payments.gi/jurisdictions/united-states-colorado/#mb-w13)

[Colorado Division of Banking](https://banking.colorado.gov/public-notices) T1 Probable

Also tracked by crypto:crypto_licensing

53.

53

US-ND Commercial Intelligence & Fintech 2026-10-08

### [ND DFI joined the 34-state $2.5M Coinme BSA/AML settlement, a market-exit event for a licensed ND crypto-kiosk operator.](https://payments.gi/jurisdictions/united-states-north-dakota/#mb-w13)

[Conference of State Bank Supervisors](https://www.csbs.org/newsroom/state-financial-regulators-reach-25-million-settlement-crypto-kiosk-operator) T1 Probable

Also tracked by crypto:commercial_activity

54.

54

CA-KAH Commercial Intelligence & Fintech 2026-09-29

### [KGC suspended Polar Ventures SDRL's Client Provider Authorization.](https://payments.gi/jurisdictions/canada-kahnawake/#mb-w13)

[Kahnawà:ke Gaming Commission](https://gamingcommission.ca/) T1 Probable

Also tracked by financial-integrity:D8

55.

55

LI Stablecoins & Digital Money 2026-09-24

### [MiCAR transitional period for TVTG-registered providers ended 1-2 July 2026; further routine deregistration (Copper Markets) processed and announced this cycle.](https://payments.gi/jurisdictions/liechtenstein/#mb-w2)

[FMA Liechtenstein](https://www.fma-li.li/en) T1 Probable

Also tracked by crypto:commercial_activity, financial-integrity:D2

56.

56

KE Stablecoins & Digital Money 2026-07-22

### [VASP Regulations, 2026 operationalise CBK-licensed stablecoin regime with full reserve backing, par redemption, quarterly stress testing.](https://payments.gi/jurisdictions/kenya/#mb-w2)

[Kenya Law](https://new.kenyalaw.org/akn/ke/act/ln/2026/134/eng@2026-07-22) T1 Probable

Also tracked by crypto:stablecoin_regime

57.

57

TW Stablecoins & Digital Money 2026-07-22

### [VASA creates Taiwan's first dedicated stablecoin framework; dual Central Bank/FSC approval, full reserves in trust, no interest/yield; banks to lead initial issuance; not yet in force.](https://payments.gi/jurisdictions/taiwan/#mb-w2)

[US Library of Congress, Global Legal Monitor](https://www.loc.gov/item/global-legal-monitor/2026-09-10/taiwan-virtual-asset-service-act-enacted) T1 Probable

Also tracked by crypto:crypto_licensing, financial-integrity:D5

58.

58

CA-ON Operational Resilience & Critical Infrastructure 2026-07-01

### [Payments Canada published a revised RTR phased-rollout timeline: initial Q4 2026 launch, Interac e-transfer clearing/settlement migration in Q1/Q2 2027, full capacity Q3 2027. The RTR By-law and Rules (Payments Canada By-law No. 10) came into force August 24, 2026.](https://payments.gi/jurisdictions/canada-ontario/#mb-w3)

[McCarthy Tetrault](https://www.mccarthy.ca) T1 Probable

59.

59

UK Licensing, Authorisation & Market Access 2026-05-19

### [Financial Services and Markets Bill 2026-27 progresses through Parliament; would abolish PSR and fold functions into FCA, integrating PSRs 2017/EMRs 2011 into FSMA 2000.](https://payments.gi/jurisdictions/united-kingdom/#mb-w1a)

[UK Parliament](https://bills.parliament.uk/publications/66381/documents/8280) T1 Probable

60.

60

LT Stablecoins & Digital Money 2026-03-03

### [Fourth MiCA CASP authorisation granted (Micar assets UAB); EMI safeguarding/governance resolutions entered force 1 January 2026.](https://payments.gi/jurisdictions/lithuania/#mb-w2)

[Lietuvos bankas](https://www.lb.lt/en/news/an-authorisation-of-a-crypto-asset-service-provider-granted-to-micar-assets-uab) T1 Probable

Also tracked by crypto:commercial_activity, financial-integrity:D5

61.

61

SK Stablecoins & Digital Money 2026-03-01

### [Act 30/2026 Z.z. (effective 1 March 2026) amends the national MiCA implementing law to remove the bespoke advisory-competence regime in favour of ESMA guidelines; NBS survey confirms six licensed CASPs and a seventh pending.](https://payments.gi/jurisdictions/slovakia/#mb-w2)

[National Bank of Slovakia](https://nbs.sk/aktuality/novela-mica-zakona/) T1 Probable

62.

62

CA-ON Correspondent Banking, Settlement & Access 2026-02-27

### [Bank of Canada RPAA supervision continues; XTM Inc. CCAA restructuring illustrates interaction between federal payments supervision and provincial insolvency proceedings for an RPAA-registered PSP.](https://payments.gi/jurisdictions/canada-ontario/#mb-w12)

[Bank of Canada](https://bankofcanada.ca) T1 Probable

63.

63

AG Stablecoins & Digital Money 2026-02-13

### [AEOI Amendment Bill 2026 extends CRS reporting to CBDC/e-money accounts (tax-transparency, not prudential); ECCB suspended DCash 2.0 in Feb 2026 in favour of Fast Payment System and CAPSS pilot.](https://payments.gi/jurisdictions/antigua-and-barbuda/#mb-w2)

[Eastern Caribbean Central Bank](https://www.eccb-centralbank.org/viewPDF/documents/2026-02-17-14-37-37-Communique-of-the-112th-Meeting-of-the-ECCB-Monetary-Council.pdf) T1 Probable

Also tracked by crypto:stablecoin_regime

64.

64

BD Licensing, Authorisation & Market Access 2025-11-04

### [BB consolidated FERA s.20(3) circular (17-18 Oct 2026) unifies FX-dealer/money-changer/gold-trader licensing and AML/CFT compliance, superseding prior individual instructions.](https://payments.gi/jurisdictions/bangladesh/#mb-w1a)

[Bangladesh Bank](https://www.bb.org.bd/aboutus/draftguinotification/guideline/PSO_Regulation.pdf) T1 Probable

65.

65

UK Consumer Protection & APP Fraud 2026-07-01

### [PSR Q1 2026 APP scams dashboard shows reimbursement performance stabilising at a high level (£72.6m reimbursed, 89% of claims value); independent review found losses fell ~21% since Oct 2024 reform.](https://payments.gi/jurisdictions/united-kingdom/#mb-w10)

[Payment Systems Regulator](https://www.psr.org.uk/information-for-consumers/app-scams-reimbursement-dashboard/) T1 Confirmed

66.

66

MM Correspondent Banking, Settlement & Access 2026-10-09

### [OFAC removed Theint Win Htet from the Burma SDN List effective 9 Oct 2026; individual-scoped, does not alter the Burma sanctions program or Myanmar's correspondent-banking access generally.](https://payments.gi/jurisdictions/myanmar/#mb-w12)

[U.S. Treasury OFAC / Federal Register](https://www.federalregister.gov/documents/2026/10/15/2026-21085/notice-of-ofac-sanctions-actions) T1 Confirmed

Also tracked by crypto:cross_border_transfer, financial-integrity:D1

67.

67

CL Licensing, Authorisation & Market Access 2026-10-16

### [CMF opened consultation (16 Oct 2026) on risk-weighted assets/own funds for credit unions and launched its first Open Finance System consultative-roundtable round; no new payment-institution or EMI licence grant identified this cycle.](https://payments.gi/jurisdictions/chile/#mb-w1a)

[Comision para el Mercado Financiero (CMF)](https://www.cmfchile.cl/portal/prensa/625/w4-propertyvalue-43349.html) T1 Probable

68.

68

EG Commercial Intelligence & Fintech 2026-10-18

### [FRA approved six fintech firms for lending/investment services and 12 further non-bank licences on 18 October 2026, part of its digital-transformation and financial-inclusion push.](https://payments.gi/jurisdictions/egypt/#mb-w13)

[Egyptian Streets](https://egyptianstreets.com/2026/10/18/egypt-approves-six-fintech-firms-to-expand-access-to-financial-services/) T2 Probable

69.

69

CM Commercial Intelligence & Fintech 2026-10-16

### [Konoom Cameroon licensed as third payment institution; CNEF discloses CFA21.5bn mobile-money interest income; Grey opens new remittance corridor.](https://payments.gi/jurisdictions/cameroon/#mb-w13)

[Trends N Africa](https://trendsnafrica.com/cameroon-orange-money-and-mtn-momo-earn-cfa21-5-bn-in-interest-on-safeguarded-customer-funds/) T2 Probable

70.

70

LI Conduct, Safeguarding & Financial Promotions 2026-10-08

### [FMA warned against a clone site impersonating a genuine registered Vaduz financial entity.](https://payments.gi/jurisdictions/liechtenstein/#mb-w1b)

[FMA Liechtenstein (via Verbraucherschutzforum)](https://verbraucherschutzforum.berlin/2026-10-08/fma-liechtenstein-warnt-vor-klonfirma-financial-partner-ltd-com-identitaetsmissbrauch-zulasten-der-financial-partners-fp-ltd-aus-vaduz-439394/) T2 Probable

71.

71

MX Licensing, Authorisation & Market Access 2026-10-06

### [Ley de Economía Digital para Pagos Digitales y Electrónicos approved by Chamber of Deputies 327-122 on 2026-10-06, now before the Senate; empowers SHCP to mandate digital-payment acceptance in designated strategic sectors.](https://payments.gi/jurisdictions/mexico/#mb-w1a)

[Expansión](https://expansion.mx/economia/2026/10/06/diputados-aprueban-ley-de-economia-digital) T2 Probable

Also tracked by financial-integrity:D8

72.

72

LK Stablecoins & Digital Money 2026-07-27

### [VASP concept paper sent to Legal Draftsman's Department (24 Sep 2026); 12 Oct 2026 reporting confirms registration, KYC and STR obligations planned, with the SEC designated lead regulator.](https://payments.gi/jurisdictions/sri-lanka/#mb-w2)

[Daily FT](https://www.ft.lk/front-page/Virtual-asset-rules-take-shape-as-Sri-Lanka-prepares-for-AML-evaluation/44-798542) T2 Probable

Also tracked by financial-integrity:D5

73.

73

EE Commercial Intelligence & Fintech 2026-10-13

### [EU Commission cleared OTP Bank's acquisition of Estonia-incorporated Luminor Holding AS (Case M.12586), 13 October 2026, the dominant commercial event this cycle.](https://payments.gi/jurisdictions/estonia/#mb-w13)

[European Commission](https://ieu-monitoring.com/editorial/eu-commission-greenlights-acquisition-of-luminor-holding-by-otp-bank/1252248) T1 Probable

Also tracked by financial-integrity:D8

74.

74

TZ Licensing, Authorisation & Market Access 2026-03-01

### [Electronic Transactions (Mandatory Electronic Payments for Specified Transactions) Order, 2026 (GN No. 158C) in operation from 1 July 2026; 113 licensed non-bank payment providers reported as of March 2026, up from 72.](https://payments.gi/jurisdictions/tanzania/#mb-w1a)

[Bank of Tanzania](https://www.bot.go.tz/Publications/Regular/Annual%20Report/en/2026060211494565.pdf) T1 Probable

75.

75

UG Licensing, Authorisation & Market Access 2026-10-15

### [BoU licensed ten PSPs/PSOs in FY2025/26 and initiated a review of the NPS Regulations following fintech concerns over licensing timelines and interoperability.](https://payments.gi/jurisdictions/uganda/#mb-w1a)

[CEO East Africa](https://www.ceo.co.ug/fintechs-flag-licensing-and-regulatory-concerns-as-bank-of-uganda-reviews-payment-rules/) T2 Probable

76.

76

US Licensing, Authorisation & Market Access 2026-10-15

### [OCC accelerates GENIUS Act final stablecoin-issuer rule target to end of October 2026; Treasury Section 3 and SEC Regulation Crypto Assets comment periods close within window.](https://payments.gi/jurisdictions/united-states/#mb-w1a)

[KuCoin News](https://www.kucoin.com/news/flash/occ-aims-to-finalize-genius-act-stablecoin-rules-by-october-31) T2 Probable

77.

77

ID Stablecoins & Digital Money 2026-10-09

### [OJK targets dedicated stablecoin regulation (reserves, governance, consumer protection, redemption) by early 2027; Indonesia will join OECD CARF data exchange from 2027.](https://payments.gi/jurisdictions/indonesia/#mb-w2)

[Tempo](https://en.tempo.co/read/2121273/indonesia-targets-stablecoin-regulations-by-early-2027-ojk-says) T2 Probable

Also tracked by crypto:stablecoin_regime

78.

78

RW Operational Resilience & Critical Infrastructure 2026-10-09

### [eKash (RNDPS) active accounts grew from 2.03m to 10.3m and monthly transactions from 1.9m to 28.9m (Sept 2025-Sept 2026); BNR publicly addressing delayed/failed transfers post full rollout, with average success rate 97.8%.](https://payments.gi/jurisdictions/rwanda/#mb-w3)

[KT Press](https://www.ktpress.rw/2026/10/bnr-moves-to-tackle-delayed-ekash-transfers/) T2 Probable

79.

79

KZ Licensing, Authorisation & Market Access 2026-09-14

### [New 'first-category payment organisation' licence class from October 2026; more than 10 prospective applicants, including VEON/KaR-Tel MoU with the National Bank.](https://payments.gi/jurisdictions/kazakhstan/#mb-w1a)

[El.kz](https://el.kz/en/kazakhstan-is-developing-a-unified-interbank-qr-code-system_400052751/) T2 Probable

80.

80

KZ Product Innovation & Market Development 2026-07-19

### [Digital tenge entered circulation 18 July 2026; Interbank Mobile Payment System launched nationwide 19 July 2026, processing 20 million transactions worth ~400bn tenge (~$887m) by 11 September 2026; cashless card/e-banking transactions reached 92.1 trillion tenge in H1 2026.](https://payments.gi/jurisdictions/kazakhstan/#mb-w9)

[The Astana Times](https://astanatimes.com/2026/07/kazakhstan-to-launch-nationwide-interbank-phone-number-and-qr-payment-system-this-weekend/) T2 Probable

81.

81

PT Payment Corridor Dynamics 2026-02-10

### [Instant Payments Regulation second wave (PI/EMI obligations) begins its compliance clock in October 2026; euro-area PIs/EMIs have a six-month window to begin receiving instant transfers.](https://payments.gi/jurisdictions/portugal/#mb-w5)

[ECO/SAPO](https://eco.sapo.pt/2026/02/10/oito-em-dez-transferencias-ja-sao-imediatas-mas-ainda-estao-aquem-do-potencial/) T2 Probable

82.

82

AE Commercial Intelligence & Fintech 2026-10-17

### [CBUAE and MAS discussed digital-payments cooperation; Ant International licensing aligns with UAE's 'We are UAE 2031' fintech strategy.](https://payments.gi/jurisdictions/united-arab-emirates/#mb-w13)

[Central Bank of the UAE](https://centralbank.ae/en/) T1 Probable

83.

83

US-DE Licensing, Authorisation & Market Access 2026-07-06

### [SB18 repeals the Sale of Checks Act and replaces it with a CSBS multistate-model money transmission/virtual-currency licensing regime, signed July 6, 2026.](https://payments.gi/jurisdictions/united-states-delaware/#mb-w1a)

[Delaware General Assembly](https://legis.delaware.gov/BillDetail?LegislationId=143117) T1 Probable

Also tracked by financial-integrity:D5

84.

84

US-DE Stablecoins & Digital Money 2026-07-06

### [SB19 (Delaware Payment Stablecoins Act) creates the state's first payment-stablecoin licensing regime, modeled on the federal GENIUS Act.](https://payments.gi/jurisdictions/united-states-delaware/#mb-w2)

[Delaware General Assembly](https://legis.delaware.gov/json/BillDetail/GeneratePdfDocument?legislationId=143125&legislationTypeId=6&docTypeId=2&legislationName=SS2forSB19) T1 Probable

Also tracked by crypto:stablecoin_regime

85.

85

CA-AB Stablecoins & Digital Money 2026-03-31

### [Alberta-approved CADD stablecoin continues operating ahead of the federal Stablecoin Act's not-yet-in-force regime.](https://payments.gi/jurisdictions/canada-alberta/#mb-w2)

[Department of Finance Canada](https://www.canada.ca/en/department-finance/programs/financial-sector-policy/canadas-stablecoin-framework.html) T1 Probable

86.

86

CZ Operational Resilience & Critical Infrastructure 2026-01-01

### [CERTIS RTGS/instant-payments infrastructure admitted its first foreign non-bank PSP participant at start of 2026 and first domestic non-bank participant later in 2026, under CERTIS Rules v15 (effective 18 Aug 2026) implementing Regulation (EU) 2024/886.](https://payments.gi/jurisdictions/czech-republic/#mb-w3)

[Česká národní banka](https://www.cnb.cz/cs/ekonomicky-vyzkum/cnb-lab/payments/) T1 Probable

87.

87

MZ Licensing, Authorisation & Market Access date pending

### [Lei n.º 15/2026 designates Banco de Moçambique as National Payment System authority with licensing, supervision and sanctioning powers (up to 1,500 minimum wages).](https://payments.gi/jurisdictions/mozambique/#mb-w1a)

[correiodamanhacanada.com](https://www.correiodamanhacanada.com/nova-lei-reforca-supervisao-do-banco-de-mocambique-sobre-sistema-de-pagamentos/) T1 Probable

88.

88

ZM Licensing, Authorisation & Market Access date pending

### [National Payment System Act, 2026 and Banking and Financial Services Act, 2026 remain uncommenced; 2007 NPSA continues to govern in the interim.](https://payments.gi/jurisdictions/zambia/#mb-w1a)

[Zambia Legal Information Institute](https://zambialii.org/akn/zm/act/2026/5/eng@2026-04-08) T1 Probable

89.

89

LATAM Payment Corridor Dynamics 2026-10-11

### [Colombia's Bre-B updated incident-notification rules and won a 2026 Central Banking award.](https://payments.gi/jurisdictions/latin-america/#mb-w5)

[banrep.gov.co](https://www.banrep.gov.co/en/news/new-regulatory-measures-bre-b) T1 Probable

90.

90

QA Consumer Protection & APP Fraud 2026-10-07

### [QCB issued instructions on 7 October 2026 to enhance financial-services access for customers with disabilities and the elderly.](https://payments.gi/jurisdictions/qatar/#mb-w10)

[Qatar News Agency](https://qna.org.qa/en/News-Area/News/2026-10/7/qatar-central-bank-issues-instructions-to-enhance-access-to-financial-services-for-customers-with-disabilities-and-the-elderly) T1 Probable

91.

91

CL Stablecoins & Digital Money 2026-10-13

### [BCCh has not yet issued the Ley 21.521 arts.30-31 general rule for DLT-based fiat-backed value representations (confirmed as of 13 Oct 2026); CMF Official Letter 101082 continues to treat crypto-assets as financial instruments requiring CMF registration in the interim.](https://payments.gi/jurisdictions/chile/#mb-w2)

[Unknown Gravity](https://www.unknowngravity.com/en/articulos/stablecoins-in-latin-america) T2 Probable

Also tracked by crypto:stablecoin_regime

92.

92

BG Correspondent Banking, Settlement & Access 2026-10-15

### [OFAC General License 130B/135 extended to 24 April 2027, preserving Lukoil-linked Bulgarian entities' US-sanctions-related banking/payment access.](https://payments.gi/jurisdictions/bulgaria/#mb-w12)

[US Treasury OFAC](https://ofac.treasury.gov/media/937241/download?inline=) T1 Probable

Also tracked by financial-integrity:D1

93.

93

BZ Correspondent Banking, Settlement & Access 2026-10-09

### [Belize removed from EU Annex II tax-transparency list on 9 October 2026, reported by Belizean press as easing correspondent-banking relationships.](https://payments.gi/jurisdictions/belize/#mb-w12)

[Council of the European Union](https://www.consilium.europa.eu/en/press/press-releases/2026/10/09/taxation-council-updates-the-eu-list-of-non-cooperative-jurisdictions-for-tax-purposes/) T1 Probable

Also tracked by financial-integrity:D3

94.

94

RO Licensing, Authorisation & Market Access 2026-04-23

### [PSD3/PSR package moved to COREPER-approval compromise text stage (23 April 2026); existing EMIs/PIs grandfathered under the forthcoming merged regime.](https://payments.gi/jurisdictions/romania/#mb-w1a)

[PwC Legal (EU Payments Framework client alert)](https://legal.pwc.de/content/services/regcore-client-alert/pwc-client-alert-eus-new-payments-framework-april-2026.pdf) T1 Probable

95.

95

MZ Payment Corridor Dynamics date pending

### [Aviso n.º 7/GBM/2026 extends the exceptional 50% FX export-earnings conversion regime a further six months from 9 October 2026.](https://payments.gi/jurisdictions/mozambique/#mb-w5)

[bancomoc.mz](https://www.bancomoc.mz/en/) T1 Probable

96.

96

US-TN Licensing, Authorisation & Market Access 2026-10-15

### [Sixth Circuit ruling removed the federal-preemption market-access defence for event-contract platforms operating without a Sports Gaming Act licence.](https://payments.gi/jurisdictions/united-states-tennessee/#mb-w1a)

[SBC Americas](https://sbcamericas.com/2026/10/15/underdog-sues-tn-prediction-markets/) T3 Probable

97.

97

UY Operational Resilience & Critical Infrastructure 2026-10-14

### [Reinforced two-factor authentication regime (Circular N° 249) entered into force 1 October 2026.](https://payments.gi/jurisdictions/uruguay/#mb-w3)

[Sociedad Uruguaya](https://www.sociedaduruguaya.org/2026/10/bcu-refuerza-la-seguridad-de-los-instrumentos-electronicos.html) T3 Probable

98.

98

KR Operational Resilience & Critical Infrastructure 2026-10-13

### [AI-assisted breach wave at major banks prompted sector-wide FSC security-check order and planned twice-yearly vulnerability audits including crypto exchanges.](https://payments.gi/jurisdictions/south-korea/#mb-w3)

[FinTech Global](https://fintech.global/2026/10/13/koreas-fsc-orders-bank-wide-checks-after-ai-cyberattacks/) T3 Probable

Also tracked by data-protection:sectoral_watch, financial-integrity:D6

99.

99

US-MO Legal & Litigation 2026-10-12

### [CoinFlip moved to dismiss the Missouri AG's MMPA suit, arguing RSMo 361.1100 is the controlling, industry-specific regime for crypto kiosks.](https://payments.gi/jurisdictions/united-states-missouri/#mb-w7)

[St. Louis Magazine](https://www.stlmag.com/news/bitcoin-atms-missouri-ag-hanaway/) T3 Probable

Also tracked by crypto:consumer_protection

100.

100

US-NV Commercial Intelligence & Fintech 2026-10-12

### [Upgrade, Inc. filed Nevada ILC charter + FDIC deposit-insurance applications (Oct 12, 2026) to establish 'Upgrade Bank' as a wholly owned FDIC-insured subsidiary, complementing (not replacing) existing bank-partner relationships with Cross River Bank and Celtic Bank.](https://payments.gi/jurisdictions/united-states-nevada/#mb-w13)

[Upgrade, Inc.](https://www.upgrade.com/press/releases/upgrade-submits-ilc-application/) T3 Probable

## Regulatory horizon

- AG [Payment Systems and Services Act, 2025 commencement pending](https://payments.gi/jurisdictions/antigua-and-barbuda/) 2027-Q1 year
- AG [AEOI Amendment Act 2026 CRS/CBDC scope expected effective ahead of 2027 evaluation](https://payments.gi/jurisdictions/antigua-and-barbuda/) 2027-Q1 half year
- AU [RBA regulatory-priorities list due end-2026](https://payments.gi/jurisdictions/australia/) 2026-Q4 quarter
- AU [Further RBA Review of Payments System Regulation consultation](https://payments.gi/jurisdictions/australia/) 2027-H1 half year
- AU [Foreign-card interchange cap and further transparency changes](https://payments.gi/jurisdictions/australia/) 2027-04-01 quarter
- AU [First quarterly interchange pass-through publication due](https://payments.gi/jurisdictions/australia/) 2027-01-30 quarter
- AU [SPF substantive obligations and AFCA EDR instrument commence](https://payments.gi/jurisdictions/australia/) 2027-03-31 quarter
- BE [PSD3/PSR Official Journal publication pending](https://payments.gi/jurisdictions/belgium/) 2026-Q4 half year
- BG [SEPA Instant deadline for euro-area PIs/EMIs (incl. Bulgaria's Art. 16(9) track)](https://payments.gi/jurisdictions/bulgaria/) 2027-04-09 quarter
- BG [SEPA Instant deadline for non-euro payment providers](https://payments.gi/jurisdictions/bulgaria/) 2027-07-09 quarter
- BR [Pix Automático extended to salary accounts](https://payments.gi/jurisdictions/brazil/) 2027-07-01 quarter
- BR [Anti-duplicate-payment rules for cobrança híbrida (boleto+Pix)](https://payments.gi/jurisdictions/brazil/) 2027-02 quarter
- BR [eFX provider deadline to seek BCB approval](https://payments.gi/jurisdictions/brazil/) 2027-05-31 quarter
- CA-AB [Canada Stablecoin Act implementing regulations expected](https://payments.gi/jurisdictions/canada-alberta/) 2027 year
- CA-ON [RTR initial launch](https://payments.gi/jurisdictions/canada-ontario/) 2026-Q4 quarter
- CA-ON [RTR full capacity](https://payments.gi/jurisdictions/canada-ontario/) 2027-Q3 half year
- CI [BCEAO Instruction n°020 e-money prudential amendments take effect](https://payments.gi/jurisdictions/ivory-coast-uemoa-bloc/) 2026-11-02 quarter
- CI [PI-SPI revised interoperable transfer rules take effect](https://payments.gi/jurisdictions/ivory-coast-uemoa-bloc/) 2026-11-02 quarter
- DE [PSD3/PSR expected application](https://payments.gi/jurisdictions/germany/) 2027-Q3 half year
- DZ [Djezzy Payment Services final PSP operating licence application deadline](https://payments.gi/jurisdictions/algeria/) 2027-09-23 quarter
- EEA [PSD3/PSR formal adoption expected](https://payments.gi/jurisdictions/european-economic-area/) 2026-Q4 quarter
- EEA [PSD3/PSR general application expected](https://payments.gi/jurisdictions/european-economic-area/) 2028-Q3 year
- EEA [Non-MiCA-compliant stablecoin service remediation deadline](https://payments.gi/jurisdictions/european-economic-area/) 2027-Q1 quarter
- ES [RD 813/2026 crypto-ATM/payment-adjacent AML obligations in force](https://payments.gi/jurisdictions/spain/) 2026-10-28 quarter
- GG [GFSC stablecoin feedback and rules expected](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
- HU [Instant Payment Scheme 2.0 implementation](https://payments.gi/jurisdictions/hungary/) 2027-Q1 half year
- ID [PADG 31/2026 Central Banking Services comes into force](https://payments.gi/jurisdictions/indonesia/) 2026-12-31 quarter
- ID [OJK stablecoin regulation expected](https://payments.gi/jurisdictions/indonesia/) 2027-Q1 half year
- ID [Indonesia OECD CARF crypto tax data exchange commences](https://payments.gi/jurisdictions/indonesia/) 2027-01-01 quarter
- ID [TIKMI compliance deadline for non-compliant PSPs](https://payments.gi/jurisdictions/indonesia/) 2029-03-31 multi year
- IE [EBA PSD2/MiCA No-Action Letter post-transition scenarios apply](https://payments.gi/jurisdictions/ireland/) closed 2026-03-02 quarter
- IN [UPI merchant MDR go-live, rescheduled](https://payments.gi/jurisdictions/india/) 2026-Q4 quarter
- JE [Full COBO repeal](https://payments.gi/jurisdictions/jersey/) 2027 year
- JP [Statutory IC-chip identity verification deadline](https://payments.gi/jurisdictions/japan/) 2027-04-01 quarter
- KE [Draft National Payment System Bill, 2026 — consultation closed](https://payments.gi/jurisdictions/kenya/) closed 2026-10-09 quarter
- KE [VASP compliance deadline affecting stablecoin issuers](https://payments.gi/jurisdictions/kenya/) 2026-11-04 quarter
- KZ [First-category payment organisation licensing begins](https://payments.gi/jurisdictions/kazakhstan/) closed 2026-10-01 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
- LK [Sri Lanka VASP legislation expected to reach Parliament](https://payments.gi/jurisdictions/sri-lanka/) 2027-Q1 half year
- MT [EBA binding RTS on reserve-asset liquidity for significant EMTs (MiCA Art 45(7)(b)) not yet adopted](https://payments.gi/jurisdictions/malta/) 2027-Q1 year
- NZ [NZ payments-settings consultation closes](https://payments.gi/jurisdictions/new-zealand/) 2026-10-27 quarter
- PA [Draft Law No. 314 expected legislative movement](https://payments.gi/jurisdictions/panama/) 2026-H2 half year
- PT [PSD3/PSR Official Journal publication](https://payments.gi/jurisdictions/portugal/) 2026-Q4 quarter
- PT [Instant Payments Regulation second-wave compliance window opens for PIs/EMIs](https://payments.gi/jurisdictions/portugal/) closed 2026-10 quarter
- PW [Draft National Digital Payment System Act (tokenized dollar) legislative progress](https://payments.gi/jurisdictions/palau/) 2026-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 adoption expected during 2026 (18-21 month transition thereafter)](https://payments.gi/jurisdictions/romania/) 2026-Q4 half year
- RO [Romania MiCA national implementing GEO adoption pending](https://payments.gi/jurisdictions/romania/) 2027-Q1 half year
- RU [Credit-card betting-funding ban bill expected passage](https://payments.gi/jurisdictions/russia/) 2026-Q4 quarter
- SE [Digital krona legislative preparation](https://payments.gi/jurisdictions/sweden/) 2031 multi year
- SG [MAS Payment Services Act stablecoin amendments following P015-2026](https://payments.gi/jurisdictions/singapore/) 2027-Q2 half year
- SK [SK VASP-to-CASP transitional window closes](https://payments.gi/jurisdictions/slovakia/) closed 2026-07-01 quarter
- SN [PI-SPI mandatory use and revised fee schedule take effect](https://payments.gi/jurisdictions/senegal/) 2026-11-02 quarter
- SN [BCEAO Instruction n°020 e-money ceiling increase takes effect](https://payments.gi/jurisdictions/senegal/) 2026-11-02 quarter
- TN [BCT Circulaire n°2026-10 enters into force](https://payments.gi/jurisdictions/tunisia/) 2026-12-25 quarter
- TT [Draft Payment Systems and Services Bill legislative status](https://payments.gi/jurisdictions/trinidad-and-tobago/) 2026-Q4 half year
- TW [VASA stablecoin provisions and full Act commencement](https://payments.gi/jurisdictions/taiwan/) 2027-Q1 quarter
- TZ [Electronic Transactions (Mandatory Electronic Payments) Order transitional period ends](https://payments.gi/jurisdictions/tanzania/) 2026-Q4 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
- UK [FSM Bill 2026-27 PSR/FCA consolidation](https://payments.gi/jurisdictions/united-kingdom/) 2027-Q1 half year
- UK [UK crypto/stablecoin regime commencement](https://payments.gi/jurisdictions/united-kingdom/) 2027-10-25 quarter
- US [OCC final GENIUS Act stablecoin-issuer rule](https://payments.gi/jurisdictions/united-states/) 2026-10-31 quarter
- US [GENIUS Act statutory effective date](https://payments.gi/jurisdictions/united-states/) 2027-01-18 quarter
- US-AK [Alaska SB86 money-transmission/virtual-currency provisions take full effect](https://payments.gi/jurisdictions/united-states-alaska/) 2027-07-01 quarter
- US-AK [Existing Alaska money-services licensees' transition deadline under SB86](https://payments.gi/jurisdictions/united-states-alaska/) 2028-07-01 year
- US-AL [Alabama stablecoin-issuer enforcement cut-over](https://payments.gi/jurisdictions/united-states-alabama/) 2028-01-01 multi year
- US-CA [DFPI MTA fiat-leg exemption rulemaking (PRO 02-23 follow-on)](https://payments.gi/jurisdictions/united-states-california/) 2027-Q1 half year
- US-CT [CT data-security-incident notification duty in force](https://payments.gi/jurisdictions/united-states-connecticut/) closed 2026-10-01 quarter
- US-DE [SB18 implementing regulations become operative](https://payments.gi/jurisdictions/united-states-delaware/) 2027-07-06 quarter
- US-DE [SB19 implementing regulations and SCRC certification pathway](https://payments.gi/jurisdictions/united-states-delaware/) 2028-Q1 half year
- US-FL [Florida virtual-currency-kiosk registration regime in force](https://payments.gi/jurisdictions/united-states-florida/) 2027-01-01 quarter
- US-FL [Florida stablecoin issuer first annual OFR certification due](https://payments.gi/jurisdictions/united-states-florida/) 2027-02-01 quarter
- US-GA [Georgia Payment Stablecoin Act effective date](https://payments.gi/jurisdictions/united-states-georgia/) 2027-01-18 half year
- US-IL [MTMA/DACPA/DAKA JCAR Second Notice hearing](https://payments.gi/jurisdictions/united-states-illinois/) 2026-10-20 quarter
- US-KS [BFF TEFFI cease-and-desist administrative law judge hearing](https://payments.gi/jurisdictions/united-states-kansas/) 2026-Q4 quarter
- US-MI [Money Transmission Modernization Act repeal of current MI MTL regime](https://payments.gi/jurisdictions/united-states-michigan/) 2027-07-01 quarter
- US-MO [SB 1177 digital-asset UCC classification bill](https://payments.gi/jurisdictions/united-states-missouri/) 2026-Q3 half year
- US-MO [SB 1124 / HB 2412 remittance sender-verification bill](https://payments.gi/jurisdictions/united-states-missouri/) 2026-Q3 half year
- US-NC [NC Digital Asset and Stablecoin Act potential commencement](https://payments.gi/jurisdictions/united-states-north-carolina/) 2027-01-18 quarter
- US-NE [LB838 remittance excise tax and foreign-adversary MTL restrictions in effect](https://payments.gi/jurisdictions/united-states-nebraska/) closed 2026-07-01 quarter
- US-NE [Coinme must exit Nebraska kiosk operations](https://payments.gi/jurisdictions/united-states-nebraska/) 2027-01-01 quarter
- US-NY [NYDFS Part 202 stablecoin rule effective date tied to GENIUS Act commencement](https://payments.gi/jurisdictions/united-states-new-york/) 2027-01-18 half year
- US-NY [NYDFS Part 423 BNPL rule takes effect 180 days after Notice of Adoption](https://payments.gi/jurisdictions/united-states-new-york/) 2027-Q1 half year
- US-OK [Oklahoma Money Transmission Modernization Act (HB 3521) takes effect](https://payments.gi/jurisdictions/united-states-oklahoma/) 2026-11-01 quarter
- US-OR [Oregon DFR proposed BNPL licensing bulletin DFR 2026-X](https://payments.gi/jurisdictions/united-states-oregon/) 2027-Q1 half year
- US-VT [Vermont virtual-currency kiosk moratorium expiry](https://payments.gi/jurisdictions/united-states-vermont/) 2027-07-01 quarter
- US-WA [Coinme nationwide crypto-kiosk wind-down deadline](https://payments.gi/jurisdictions/united-states-washington/) 2027-01-01 quarter
- 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 [GL 60A expiry/renewal decision point](https://payments.gi/jurisdictions/venezuela/) 2026-10-23 quarter
- VU [RBV Act No. 37 of 2025 expected commencement](https://payments.gi/jurisdictions/vanuatu/) 2026-Q4 half year
- VU [Financial Institutions Act and International Banking Act amendment debate](https://payments.gi/jurisdictions/vanuatu/) 2026-10-30 quarter
- ZA [SARB draft Authorisation Framework for payment institutions to finalise TPPP/PASA transition rules](https://payments.gi/jurisdictions/south-africa/) 2027-Q1 year
- ZM [Commencement of National Payment System Act 2026 and Banking and Financial Services Act 2026](https://payments.gi/jurisdictions/zambia/) 2027-Q1 year