Wide differences exist in European fintech regulation, EBA says

Fintech findings: data comes from competent regulatory authorities of 22 EU members and two members of EEA

Major differences exist between the way Europe’s various national financial regulators treat financial technology (fintech) firms, the European Banking Authority (EBA) says.

The largest proportion of firms surveyed in the EBA’s large-scale “mapping exercise” of Europe’s fintech companies, released on August 4, are not subject to any regulation regime at all.

The mapping exercise was set out in an EBA document announcing a consultation exercise on its treatment of fintech. The results were

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