What’s on the Horizon in the UK and EU?

2026

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2026 is a pivotal year for payments and fintech regulation in the UK and EU, moving from strategy to delivery of major reforms.

* **UK Safeguarding Reforms:** Stricter rules for payment and e-money firms to protect customer funds, with enhanced expectations for record-keeping, monitoring, and oversight.
* **EU PSD3 and Payment Services Regulation:** Overhauling the EU payments framework to strengthen consumer protection, fraud prevention, and harmonize rules across member states.
* **Cryptoasset Regulation:** The UK gears up for its FSMA-based regime with a critical preparatory year, while the EU focuses on embedding MiCAR and addressing its effectiveness.

Tags: payments, fintech, regulation, UK, EU

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