FFinTech
10 Years of PayTechLaw – What a Journey! 1
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10 Years of PayTechLaw – What a Journey!

Today is a very special day for us: PayTechLaw is celebrating its 10th anniversary! To be honest, ten years ago we never imagined where this journey would take us. Back then, we had a simple idea: to provide clear and practical insights into regulatory developments in the payments industry, explain the background behind new legislation, and create a platform where our experts could share their knowledge. What has grown from that idea fills our entire team with great joy—and, we admit, a little pride.
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AAnti Money Laundering & Sanctions
Neues Listungspaket und 21. EU-Sanktionspaket gegen Russland: Auswirkungen auf den Finanzsektor EU expands Russia sanctions lists and prepares 21st sanctions package
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EU expands Russia sanctions lists and prepares 21st sanctions package

The EU's listing package of 15 June 2026 and the proposed 21st sanctions package significantly expand sanctions against Russia. Financial institutions will increasingly need to address indirect risks, third-country involvement and complex payment structures within their sanctions compliance frameworks.
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TTax
Urteil des EuGH (C-436/24, Rs. Skatteverket) zum Begriff des Gutscheins im Umsatzsteuergesetz
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ECJ judgment (C-436/24, Case Skatteverket) on the definition of a voucher under VAT law

The ECJ clarifies the VAT treatment of loyalty points – but broader questions regarding vouchers remain unresolved. Judgment C-436/24 confirms that instruments requiring an additional purchase before redemption do not qualify as VAT vouchers. However, significant uncertainties remain regarding the distinction between VAT law and civil law concepts of vouchers.
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BBitcoin & Cryptocurrencies
They are not kidding - ESMA's Public Statement on the End of the MiCAR Transitional Period 2
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They are not kidding – ESMA’s Public Statement on the End of the MiCAR Transitional Period

On 23 June 2026, the European Securities and Markets Authority (ESMA) published a public statement (ESMA75-113276571-1710) clarifying its expectations of crypto-asset service providers (CASPs) following the end of the transitional period under the Markets in Crypto-Assets Regulation (MiCAR) on 1 July 2026. The statement builds on ESMA's earlier statement of 17 April 2026 and is addressed, in particular, to entities that will not hold MiCAR authorization by the deadline but continue to service EU clients under national regimes.
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BBanking
BRUBEG & Fit-and-Proper: More supervision for key functions in banks | ALLES LEGAL #141 3
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BRUBEG & Fit-and-Proper: More supervision for key functions in banks | ALLES LEGAL #141

The BRUBEG reform significantly expands governance requirements within regulated institutions. In this episode of Alles Legal – Fintech-Recht kompakt, Dana Wondra from Payment & Banking speaks with Renate Prinz, Partner at Annerton and PayTechLaw author, about the broader scope of Fit-and-Proper assessments and what this means for banks in practice.
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BBanking
Drittstaatenbanken in der EU: Was das BRUBEG für internationale Institute verändert Third-country banks in the EU: How BRUBEG changes the regulatory landscape for international institutions | Alles Legal #140
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Third-country banks in the EU: How BRUBEG changes the regulatory landscape for international institutions | Alles Legal #140

Germany's implementation of CRD VI through BRUBEG introduces a new regulatory framework for third-country banks operating in the EU. Renate Prinz explains when international institutions will need an EU subsidiary or branch, how reverse solicitation will be assessed in the future, and why banks should already be preparing for the rules taking effect in 2027.
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AAnti Money Laundering & Sanctions
Aktuelles rund um die Geldwäscheprävention im Fußballbereich Recent Developments on Anti-Money Laundering Compliance in the Football Sector
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Recent Developments on Anti-Money Laundering Compliance in the Football Sector

Anti-money laundering compliance in professional football is no longer a future issue. Recent investigations involving a football club, growing EU regulation and new AMLA guidance underline the importance of preparing governance and compliance frameworks well ahead of the AMLR's entry into force.
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BBanking
BRUBEG erklärt: Was das neue Bankenpaket für Institute verändert | ALLES LEGAL #139 BRUBEG Explained: What the New Banking Package Changes for Financial Institutions | ALLES LEGAL #139
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BRUBEG Explained: What the New Banking Package Changes for Financial Institutions | ALLES LEGAL #139

BRUBEG is intended to reduce bureaucracy, yet for many banks it initially means new obligations, additional processes and increased compliance requirements. In this episode of Alles Legal – Fintech-Recht kompakt, Renate Prinz explains what is behind the legislation and how the implementation of CRD VI and Basel III will affect financial institutions across Europe.
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RRegulatory
Turbo-Zertifikate mit Beißkorb Turbo Certificates on a Leash
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Turbo Certificates on a Leash

On 16 June 2026, BaFin’s general administrative order restricting the marketing, distribution and sale of turbo certificates enters into force. It establishes strict requirements for all distribution activities relating to turbo certificates directed at retail investors.
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