Fintech—Q&A guides

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This subtopic provides guidance on supranational and EU regulation of cryptoassets, financial innovations and fintech. The Lexology Getting the Deal Through (GTDT) guides provide up-to-date, trusted and reliable information on key topics of law and regulation in various jurisdictions, based on contributions from thousands of leading practitioners around the world.

This subtopic contains the following guidance:

  1. •

    Practice Note: EU regulation of cryptoassets focuses on the approach of EU authorities and regulators to the regulation of cryptoassets and considers the approach taken by supranational

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Latest Ireland - Banking & Financial Services News

Financial Regulation Advisory—Financial Services Regulation and Compliance—Cross sectoral and other October 2025

Ireland-Banking and Financial Services analysis: This article, written by A&L Goodbody’s Team, notes that at European level, the European Banking Authority (EBA) published report on tackling money laundering and terrorist financing (ML/TF) risks posed by cryptoasset service providers (CASPs) and issuers of asset-referenced tokens (ARTs) and e-money tokens (EMTs), EU General Data Protection Regulation (GDPR) statement regarding Digital Operational Resilience Act (DORA) oversight, European Securities and Markets Authority (ESMA) issues new Q&A on Markets in CryptoAssets Regulation (MiCAR) and revised guidelines on outsourcing to cloud service providers.

ESMA sets out planned consultations for 2026

The European Securities and Markets Authority (ESMA) has published an overview of planned consultation papers for 2026, covering EMIR 3, the CSDR Review, investor protection, the Listing Act and AIFMD/UCITS.

Financial Regulation Advisory—Climate and environmental risks under scrutiny

Ireland—Banking and Financial Services analysis: This article, written by A&L Goodbody’s Team, notes that the European Central Bank (ECB) has imposed periodic penalty payments on ABANCA Corporación Bancaria, SA (ABANCA) for its failure to properly identify climate and environmental risks.

European Parliament publishes analysis on digital assets and stablecoin risks ahead of ECON hearing

The European Parliament has released an in-depth analysis on digital assets ahead of the 3 December 2025 ECON public hearing, outlining the evolving EU regulatory framework, current market developments and emerging risks. While unbacked cryptoassets remain volatile, the report highlights that stablecoins—centralised in governance yet reliant on decentralized ledgers—now underpin around 80% of cryptoasset trades. Their growing role raises concerns around financial stability, operational vulnerabilities and regulatory divergence between the Markets in Crypto Assets Regulation (Regulation (EU) 2023/1114) (MiCA Regulation) and the more permissive US Guaranteed and Insured Necessary Infrastructure for Upholding Stability Act (GENIUS Act).

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