News & Perspectivas

Los legisladores de la UE finalizaron los textos de compromiso PSD3/PSR en abril de 2026, exigiendo detección de fraude con IA, autenticación adaptativa e intercambio de inteligencia entre entidades en 27 Estados miembros para mediados de 2027.

FinCEN's April 2026 Notice of Proposed Rulemaking would fundamentally reshape Bank Secrecy Act programs, shifting supervisory focus from box-checking to demonstrable risk management. Comments close June 9, 2026.

FinCEN and OFAC jointly proposed the first comprehensive AML/CFT and sanctions framework for permitted payment stablecoin issuers — and explicitly recognize AI-based monitoring as a mitigating factor.

The new Anti-Money Laundering Authority is now active in Frankfurt, with direct supervision of 40 high-risk cross-border institutions starting in 2028 and the EU AML Regulation applying from July 10, 2027.

ESMA confirms the EU-wide MiCA grandfathering window closes July 1, 2026. After that date, any crypto-asset service provider without CASP authorization must stop EU operations.

From October 9, 2025 every Eurozone PSP must perform IBAN-name verification on credit transfers under the Instant Payments Regulation. We unpack the fuzzy-matching tradeoffs and what comes next for non-Eurozone PSPs by 2027.

The UAE's new AML law elevates proliferation financing to a standalone offense, and the Central Bank's April 2026 guidance pushes licensed financial institutions toward real-time monitoring and dynamic, risk-based CDD.

The Saudi Central Bank's new Counter-Fraud Fundamental Requirements Framework replaces the 2017 rules, mandating a senior-led governance committee and maturity-based anti-fraud programs across the finance sector.

Una mirada práctica a los requisitos de monitorización de fraude ACH de NACHA de 2026 y a cómo las entidades pueden prepararse para mantener el cumplimiento y la seguridad.