Payment services and e-money

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This subtopic provides guidance on the regulated activity of issuing electronic money in or from Ireland. It explores the regulation of payment services providers in Ireland and EU regulation of electronic money. It also provides a guide which summarises the key changes introduced by the second Payment Services Directive (PSD2).

This subtopic contains the following guidance:

  1. •

    Practice Note: Ireland—The regulated activity of issuing electronic money explores the business activity of issuing electronic money (e-money) in or from Ireland. It addresses persons that can issue e-money, the application

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Latest Ireland - Banking & Financial Services News

EBA launches consultation on revised SREP Guidelines and supervisory stress testing

The European Banking Authority (EBA) has launched a consultation on revised Guidelines for the supervisory review and evaluation process (SREP) and supervisory stress testing. These updates aim to streamline and strengthen the EU’s supervisory framework, promoting more effective and risk-focused oversight. Key changes include improved proportionality, integration of new mandates from CRD VI and alignment with interest rate and credit spread risk packages. The revisions also incorporate ESG factors and operational resilience, reflecting lessons learned since the 2016 implementation of the original Guidelines.

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ISDA and industry bodies seek delay on EMIR 3.0 third-country CCP reporting requirements

The International Swaps and Derivatives Association (ISDA) and nine other industry bodies sent a letter to the European Commission on 21 October 2025 requesting guidance indicating that firms should not report third-country central counterparty clearing (CCP) activity under Article 7d of the European Market Infrastructure Regulation (EMIR) 3.0 until the corresponding regulatory and implementing technical standards are finalised. They argued that requiring reporting before these technical standards are complete would create operational complexities and additional costs, without enhancing regulatory transparency.

ESMA publishes final report on RTS for EU code of conduct on issuer-sponsored research

The European Securities and Markets Authority (ESMA) has published its final report on the draft regulatory technical standards (RTS) for establishing an EU code of conduct for issuer-sponsored research. Developed under Article 24(3c) of the Markets in Financial Instruments Directive (MiFID II) and the Listing Act Directive, the RTS set out procedural and organisational requirements intended to support the production and distribution of issuer-sponsored research within a harmonised framework. If endorsed by the European Commission, the regulation will apply from 6 June 2026.

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