Financial regulation and fintech

We assist established players, start-ups and investors in navigating current and upcoming regulations, structuring products and services, and managing dialogue with the authorities. Our advice combines in-depth knowledge of financial regulation with a practical understanding of fintech and digital platforms.

We provide comprehensive advice on licensing and application processes, ongoing compliance and governance, and regulatory requirements relating to payment services, crowdfunding, e-money, lending, investment services, crypto-assets and infrastructure services. We also assist with the drafting of contracts and product documentation, the development of control frameworks, and the handling of supervisory matters.

Among other things, we can help with:

• Licence applications, registration and structuring of businesses under the Financial Institutions Act, the Securities Trading Act, the Payment Systems Act and EEA regulations (PSD2/PSD3, MiFID II, MiCA, etc.)
• Design of compliance frameworks, internal guidelines and governance documents, including requirements for operational risk, ICT security (DORA), outsourcing and third-party suppliers
• Regulation of crypto-assets, tokenisation and digital securities, as well as assessments relating to issuer and service provider obligations
• Payment and account aggregation services, account access, interaction with banks and payment infrastructure, as well as agreements with suppliers and partners
• Marketing, customer journey and product documentation, including information requirements, consumer protection and complaint handling
• Supervisory matters, investigations and dispute resolution, as well as strategic regulatory dialogue with the Financial Supervisory Authority and other authorities
• Due diligence and regulatory assessment in transactions, structuring of incentive and pricing models, as well as demarcation from other sector-specific rules