All Positions

EFA Position on the Proposal for a Regulation on a framework for Financial Data Access

Position Paper on the Revised Payment Services Directive & Regulation

EFA Position on the Digital Euro Regulation

EFA position paper on AMLR

EFA- ETPPA joint proposition paper on the AMLR

EFA position paper to the AMLD

EFA response to the EBA Consultation on revised Guidelines AML risk factors

EFA Position Paper on the Retail Investment Strategy

EFA shares the belief that retail investors must be empowered to make more informed investment decisions that better correspond to their needs and objectives and that retail investors must be adequately protected in the single market. Below we share key areas of the RIS the EFA believes can be improved upon to achieve the European Commission’s stated goal

Joint industry letter on amending the Settlement Finality Directive alongside the Instant Payments Regulation to boost the uptake of instant payments and ensure a level playing field for all

Joint industry letter on amending the Settlement Finality Directive

European Fintech Association position paper on crypto assets under the anti-money laundering regulation

In line with our previous position papers,we believe that the comments presented in this document addressing specific crypto-related matters in the AMLR text will help harmonize and enhance theeffectiveness of anti-money laundering and countering financial terrorism(ML/FT) rules across Europe.

Statement by the European FinTech Association on the proposals Payment Services Directive (PSD3/PSR); The Digital Euro and the Framework for Financial Data Access (FIDA)

Statement by the European FinTech Association on the proposals Payment Services Directive (PSD3/PSR); The Digital Euro and the Framework for Financial Data Access (FIDA)

EFA Policy Vision

The European FinTech Association (EFA) welcomes the European Commission’s (Commission) legislative proposal on Artificial Intelligence (AI) to promote the development of AI in Europe, and fully supports its intention to protect the privacy of European citizens.

Joint industry letter to ensure payments are kept in scope of the Digital Identity Regulation

EFA submitted a joint industry statement calling on co-legislators to ensure payments are kept in scope of the Digital Identity Regulation.

Joint Industry letter on the Instant Payments proposal

The European Fintech Association partnered up with other trade associations to publish a joint industry letter welcoming and strongly supporting the European Commission’s recent legislative proposal on instant payments.

Joint industry letter on amending the Settlement Finality Directive (SFD)

EFA submitted a joint industry letter regarding the importance of fair access to infrastructure to create a level playing field and make instant payments a success in Europe

EFA Position Paper on the Instant Payments Proposal

The European FinTech Association (EFA) welcomes and supports the European Commission’ proposal to accelerate the rollout of instant payments for the benefit of citizens and businesses in the EU, including SMEs. EFA would like to feed into the current legislative work on the Instant Payments proposal

EFA Position Paper on the Artificial Intelligence Act

The European FinTech Association (EFA) welcomes the European Commission’s (Commission) legislative proposal on Artificial Intelligence (AI) to promote the development of AI in Europe. We would like to provide with this position paper a set of recommendations.

EFA Position Paper on the Revised Payment Services Directive 2

The European FinTech Association (EFA) welcomes the European Commission’s (Commission) review of the Payment Services Directive 2 (PSD2). PSD2 has delivered a more innovative, competitive payments landscape in Europe, however, challenges remain in its implementation.

EFA Position Paper on Open Finance

The European Fintech Association’s (EFA) vision is for European FinTechs to be the most innovative and competitive in the world, providing European consumers with solutions to meet their individual needs. If done right, the open finance framework can prove to be a game changer for the industry.

EFA Statement on the Transfer of Funds Regulation

The European FinTech Association (EFA) welcomes the efforts of the European Commission, Council, and European Parliament on the proposed anti-money laundering package which will ensure a harmonized European framework to prevent money laundering and counter-terrorist financing (ML/TF) in the EU.

EFA Policy Paper on the Issuance of a Digital Euro

The European FinTech Association (EFA) welcomes the discussion around the digital euro and the various considerations on its upcoming design. The EFA supports an open and competitive payments landscape. If correctly designed, the issuance of a digital euro could transform the economy, generating new

EFA Statement on the European Payments Initiative

The European FinTech Association (EFA) supports the European Commission’s aim to encourage a more innovative and competitive EU retail payments market. EFA believes the European Payments Initiative (EPI) can contribute to this objective

EFA input on upcoming Commission Instant Payments legislation

The EFA welcomes and fully supports the Commission’s plans to put forward a legislative initiative on instant payments to promote adherence to SCT Inst. Legislation is necessary to further accelerate the uptake and roll-out of instant payments in the EU.

EFA’s Response to the EBA’s Consultation on Remote Customer Onboarding Guidelines

The European Fintech Association (EFA) welcomes the opportunity to participate in the European Banking Authority’s (EBA) consultation on its draft Guidelines on the use of remote customer onboarding solutions.

EFA Statement on AI

The European FinTech Association (EFA) welcomes the European Commission’s (Commission) legislative proposal on Artificial Intelligence (AI) to promote the development of AI in Europe, and fully supports its intention to protect the privacy of European citizens.

EFA Policy Statement on Basel III

The European FinTech Association (EFA) welcomes the European Commission’s (Commission) proposal to review the Capital Requirements Regulation and the Capital Requirements Directive, implementing the Basel III agreement in the EU.

EFA Position Paper on the EU Retail Investment Strategy

The European FinTech Association (EFA) welcomes the European Commission’s work on a dedicated Retail Investment Strategy. We agree that the ultimate goal of the Capital Markets Union cannot be attained without a meaningful inclusion of retail investors.

EFA Position on the Consumer Credit Directive Review

Fintechs welcome the Review of the Consumer Credit Directive as a necessary step to bring the legislation up to…

EFA publishes its position on the proposed AML Framework

EFA Position Paper: Towards a harmonised Anti-Money Laundering Framework.

EFA Position on the Settlement Finality Directive Review

FinTechs support fair access to payment systems: EFA’s Position Paper on the Settlement Finality Directive (SFD) review.

EFA Policy Statement on e-IDAS Regulation

The EFA welcomes the European Commission’s proposal on the review of the e-IDAS regulation as a significant and positive step towards removing cross-border barriers in the EU, and building a more harmonized and accessible financial services landscape for European businesses and consumers.

EFA position paper on the Artificial Intelligence legislative proposal

The European FinTech Association (EFA) welcomes the European Commission’s (Commission) recent legislative proposal on Artificial Intelligence (AI) to promote the development of AI in Europe, and fully supports its intention to protect the privacy of European citizens.

Creating an Ecosystem that will allow EU FinTechs to Thrive

The EFA warmly welcomes the call for evidence on digital finance by the ESMA and the possibility to provide its input. The EFA represents more than 30 leading FinTech companies of all sizes across the EU that are active in different business areas.

EFA responds to European Commission’s Consultation on Instant Payments

The EFA fully supports the European Commission’s vision for retail payments including a competitive, innovative payments market. Making instant payments the new norm and promoting fair and equal access to critical infrastructure is key to achieving a truly competitive payments landscape.

EFA publishes position on a European AML Framework

The European FinTech Association (EFA) has today published its position paper on a European action plan for a comprehensive Union policy on preventing money laundering and terrorist financing.

EFA publishes position on European Digital Identification

The European FinTech Association (EFA) has today published its position paper on a enabling interoperable digital identification in the EU.

EFA publishes position on European Retail Payments

The European FinTech Association (EFA) published today its position on a European Payments Strategy.

Input on EDPB Guidelines on the interplay of the Second Payment Services Directive and the GDPR

The EFA has provided its comments regarding Guidelines 06/2020 on the interplay of the Second Payment Services Directive and the GDPR.

Input on EBA’s AML/CTF Draft Guidelines

The European Fintech Association has provided its input to the European Banking Authority draft guidelines for the revision of the money laundering and terrorist financing (ML/TF) risk factors.

AML position paper

The EFA presents its position paper on AML

MiFID II-MiFIR position paper

Response of the European FinTech Association (EFA) to Section XI (“Digitalisation and new technologies”) on the public consultation of the review of the regulatory framework for investment firms and market operators by the European Commission.
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