PEPS-I: Monnet 2.0 or SCT Inst?
Since mid-2019, around 20 banks from 9 eurozone countries have been discussing behind closed doors a concept for…
The trials and tribulations of the ECB payment statistics
Before I begin, I’d just like to set the scene by establishing a few things: Just as lawyers…
Interchange Fee Regulation: Good things come to those who wait?
PayTechLaw already had a look at the Interchange Fee Regulation last year. Back then, I looked into queer…
Open CESOP: The Commission’s new data collection frenzy
First, the bad news: The Commission has again looked more closely into cross-border (or more simply “XB”) payments…
Ephemeral e-money
E-money is booming, at least in Europe. Never before have the central banks counted as many e-money transactions…
Reg. 924: Not just bad news for card issuers
The Commission already presented its proposal to amend and thereby extend the Pricing Regulation EC 924/2009 (in short:…
Right to anonymous payments
Do we have a right to anonymous payments? If so, is this right linked to certain payment instruments,…
Interchange Fee Regulation: gender-specific universal cards
The current debate concerning gender-political correctness would appear to suggest that there are not just women and men…
Virtual currencies deciphered (2) – Identity crisis: VC versus e-money
In my last blog post “Virtual currencies deciphered (1): the new legal definition and AMLD5” I discussed the…
Virtual currencies deciphered (1) – the new legal definition and AMLD5
It is not only the Prussians who are quick to shoot, but the European Commission, too. To put…