Each change, read against the licenses you hold.
Payments and fintech regulatory change management: RegWatch reads central banks, conduct regulators and financial intelligence units in each market’s language and names the licensed entity a change reaches.
What a payments and fintech team sees
Pennaris, a fictional group headquartered in Amsterdam, Netherlands, runs RegWatch on its regulators. This is the alert it received for the Reserve Bank of India’s circular of 25 Sep 2025.
- RBI: Indian card issuers must validate cross-border card-not-present payments by 1 Oct 2026 (official source, opens in a new tab)HIGH · relevance 88
- FCA PS25/12: stronger safeguarding rules for payments and e-money firms in force 7 May 2026 (official source, opens in a new tab)HIGH · relevance 93
- BCB Resolution 561: new eFX rules for payment institutions take effect 1 Oct 2026 (official source, opens in a new tab)HIGH · relevance 91
- Banxico Circular 9/2026: standard SPEI mobile transfer experience required by 14 Dec 2026 (official source, opens in a new tab)MEDIUM · relevance 74
- MAS consults on Payment Services Act changes for stablecoins; comments close 16 Oct 2026 (official source, opens in a new tab)LOW · relevance 56
Pennaris is fictional. The regulators and publications are real. Not legal advice.
The regulators and topics in scope
RegWatch suggests the authorities for your markets; your team decides the scope and can add any source that publishes online.
- Financial Conduct AuthorityUnited Kingdom (official site, opens in a new tab)
- Bank of LithuaniaLithuania (official site, opens in a new tab)
- Authority for Anti-Money Laundering and Countering the Financing of TerrorismEuropean Union (official site, opens in a new tab)
- Financial Crimes Enforcement NetworkUnited States (official site, opens in a new tab)
- Banco Central do BrasilBrazil (official site, opens in a new tab)
- Banco de MéxicoMexico (official site, opens in a new tab)
- Comisión Nacional Bancaria y de ValoresMexico (official site, opens in a new tab)
- Reserve Bank of IndiaIndia (official site, opens in a new tab)
- Monetary Authority of SingaporeSingapore (official site, opens in a new tab)
- Financial Services Regulatory Authority, Abu Dhabi Global MarketAbu Dhabi, United Arab Emirates (official site, opens in a new tab)
- Financial Action Task ForceGlobal (official site, opens in a new tab)
- Safeguarding
- Payment authentication
- Cross-border payments
- FX and eFX
- Instant payments
- Stablecoins
- AML/CFT
- Regulatory reporting
How payments and fintech teams run it
Authentication and card acquiring
The RBI’s authentication directions require Indian issuers to validate cross-border card-not-present payments from 1 October 2026. RegWatch names the acquiring entities affected, and the obligation tracks the 3-D Secure routing test as evidence.
Safeguarding
FCA PS25/12 brought daily reconciliations, a monthly safeguarding return and an annual audit from 7 May 2026. Each became an obligation with its CASS or SUP reference, an owner and evidence.
Payout corridors, in the local language
BCB Resolution 561 sets new eFX rules from 1 October 2026, read in Portuguese. Banxico Circular 9/2026 requires a standard SPEI mobile transfer experience by 14 December 2026, read in Spanish.
Policy and contract changes
RegWatch Legal redlines the safeguarding or third-party policy as tracked changes and reviews processor and sponsor-bank agreements in one table, each answer cited. Outputs are drafts for professional review.
Questions
Can RegWatch read regulators that do not publish in English?
Yes. Sources are read in the language they publish in, such as the Banco Central do Brasil in Portuguese and Banxico in Spanish. Excerpts stay verbatim, and the reasoning is written in English.
Do you cover US money transmission rules?
Yes. Watchlists can read FinCEN, the Federal Register and state regulators’ own sites, and RegWatch has mapped all 50 US states. You choose the states, usually those where you hold licenses.
How fast can we start?
After the demo, the onboarding agent drafts your company profile from your website and a short brief, then suggests jurisdictions, topics and sources. Your team confirms them, invites colleagues and sets each watchlist’s schedule. The first alerts arrive after the first run, which you can start on demand.
Guides
- MiCA Compliance Checklist for Crypto Firms After the TransitionThe Article 143(3) grandfathering window closed on 1 July 2026, which makes most MiCA checklists obsolete. This one lists obligations by entity type with article-level citations, the evidence supervisors ask for, and the TFR, DORA and AMLR dates that land on the same firms.
- Horizon Scanning and FCA Expectations: What UK Firms Must DemonstrateWe found no FCA Handbook rule that names horizon scanning; the expectation is assembled from SYSC, the Principles and the Senior Manager Conduct Rules. This piece maps each anchor to the evidence a supervisor can ask for, with a 17-row checklist and the enforcement record for firms that missed changes.
- US State Privacy Laws Tracker (2026): Every Law, Deadline, and AmendmentTwenty-four states have enacted comprehensive privacy laws if you count Florida, and twenty are in effect. This tracker states its counting rule and merges statutes, amendments, regulator deadlines and cure-period sunsets into one dated compliance calendar.
See a payments demo on your licenses.
Name the markets and licenses you hold. The demo runs on their regulators.