At its core, this is about the question of when a loan portfolio under the Standardised Approach is considered “sufficiently granular” in order to benefit from the privileged risk weight of 75% (instead of 100%). While the draft phase was still characterised by a bureaucratic “iterative procedure” that would have posed operational hurdles for many institutions, the […]

Liability focus May 2026: Sanctions criminal law, Cyber Resilience Act and AML compliance. Are you prepared? I. Introduction to the topic With May 2026, the European regulatory landscape enters a phase of intensified enforcement in which theoretical compliance requirements turn into immediate operational and criminal-law risks. The delayed national implementation of the EU Sanctions Directive […]

Shortened KYC Intervals, Clear Risk Segregation, Stricter Monitoring New Rules for Prevention The requirements for money laundering and terrorism financing prevention are noticeably increasing.BaFin has clearly sharpened its expectations of you as an obligated party: shorter update intervals for customer data, a strict separation of money laundering and terrorism financing risks, and enhanced, targeted monitoring […]

In today’s business world, complying with regulatory requirements is not just a legal necessity but also a crucial factor for long-term success and stakeholder trust. The definition and concept of governance and compliance are central: Governance describes the systems, structures, and processes by which organizations are directed and controlled, while compliance refers to a company’s […]

The European economy is on the brink of a digital revolution. With the eIDAS 2.0 Regulation and the introduction of the European Business Wallet (EUBW), the EU is creating an infrastructure that radically changes companies’ identity management. Management Summary: The European Business Wallet (EUBW) The introduction of the European Business Wallet marks the transition to […]