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

ESMA updates Q&As on EMIR and MiCA Regulations

The European Securities and Markets Authority (ESMA) has published updated questions and answers (Q&As) on the European Market Infrastructure Regulation (EMIR) and the Markets in Crypto-Assets Regulation (Regulation (EU) 2023/1114) (MiCA). The impacted EMIR Q&A is ‘Notification of Errors and Omissions related to exchange-traded derivatives involving multiple Entities Responsible for Reporting (‘ERRs’) managed by the same Management Company/AIFM’. The impacted MiCA Q&As are: (1) ‘How to distinguish between different execution services’ and (2) ‘Offerors and CASPs’ responsibilities with regards to white papers for Title II tokens admitted to trading prior to 30 December 2024’.

SRB launches consultation on its guidance on communication by banks in resolution

The Single Resolution Board (SRB) has launched a consultation on its Operational Guidance for Banks on Communication, alongside a communication testing supplement to its guidance on resolvability testing. Responses are sought by 12 December 2025.

ESMA publishes annual report on enforcement measures imposed in 2024

The European Securities and Markets Authority (ESMA) has published its annual report on administrative sanctions and measures imposed by Member States in 2024 across financial sectors under ESMA’s remit.  The highest administrative fines were imposed under the Market Abuse Regulation (EU MAR) and the Markets in Financial Instruments Directive (EU MiFID II). The total value of fines exceeded EUR 100 million, marking an increase compared to 2023. In total, more than 970 administrative sanctions and measures were imposed. The report highlights significant discrepancies among Member States in the use of sanctioning powers—particularly in the amounts of fines, the number and types of sanctions, and the use of settlements.

ESMA finalises methodology for calculating Member States’ market capitalisation under FASTER Directive

The European Securities and Markets Authority (ESMA) has published its Final Report on the Methodology for the Calculation of Market Capitalisation, as mandated by the Directive (EU) 2025/50 on faster and safer relief of excess withholding taxes (FASTER Directive). The report sets out the final Regulatory Technical Standards (RTS) for calculating and publishing each EU Member State’s market capitalisation and market capitalisation ratio, using MiFIR transaction data. It responds to feedback from the June 2025 consultation and sets out the next steps toward implementation. The report was submitted to the European Commission on 15 October 2025, which has three months to decide whether to endorse the draft RTS.

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