European Union: Charges, Mortgages, Indemnities

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Finance law and banking law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as capital adequacy, BASEL, acquisition finance, debt capital markets, fund finance, islamic finance, securitization and structured finance.

Financial Services Regulation 2025

Ireland is home to a wide variety of financial services providers. To support both providers and their customers, there is an array of financial services legislation...

Ireland Finance

MF

McCann Fitzgerald

Making Financial Services More Accessible

On 17 April 2019, the EU legislator adopted Directive 2019/882 on the accessibility requirements for products and services (the "Accessibility Act") to establish common accessibility requirements for certain key products...

Belgium Finance

SB

Simont Braun

G. Kefalas – Digital Transaction Duty (DTT) vs Stamp Duty (SD) – The Key Differences In Light Of The Recent Circular E. 2094/2025

With Law 5135/2024, the Digital Transaction Duty (DTT – ΨTΣ) was introduced, replacing the now outdated Stamp Duty (SD – ΤΧ), which had been imposed on the document by which a contract or act was executed...

PK

Psarakis & Kefalas Law Firm

Malta's Transposition Of The Consumer Credit Directive II: MFSA Revises Rulebook For Banks

The national legal framework applicable to banks and financial institutions offering consumer lending products, including personal loans, overdrafts and credit cards, is being revised as detailed by the MFSA...

GA

Ganado Advocates

GG Thinks: We Can Still Prevent A Crisis Of Subprime Thinking

Portugal Finance

GG

Gama Glória

Project Finance Comparative Guide

MP

Machas & Partners Law Firm

RL

RDJ LLP

Horizon Scanner Finance October 2025 - European Developments

Ireland Finance

AC

Arthur Cox

Reform Of The EU Securitisation Framework—Part 10: Changes To The Liquidity Coverage Ratio (LCR) Regulation

European Union Finance

JD

Jones Day

Stand By Me – Substitution Or Joinder Of A Plaintiff In An Appeal To The High Court Of A Circuit Court Order For Possession?

Ireland Litigation

RL

RDJ LLP

Why Malta Is Taking Off As Europe's New Aviation Powerhouse

Malta Transport

SI

Sentient International Limited

ESMA refuerza la implementación de MiCA: estándares de competencia del personal y advertencia a Malta

KL

Herbert Smith Freehills Kramer LLP

ESMA Sharpens MiCA Implementation: Staff Competence Standards And A Warning Shot To Malta

Malta Technology

KL

Herbert Smith Freehills Kramer LLP

Overview Of The Updated Application And Supervisory Fees In Financial Market, Investment Services, Insurance And More!

MF

MK Fintech Partners

LexisNexis France – Financial Responsibility Of Public Officials: 3 Years After The 2022 Reform, What Is The Assessment? (Video)

France Litigation

UA

UGGC Avocats

Lex Inside – Exclusive Distribution Agreements (Video)

France Anti-trust

UA

UGGC Avocats

The EU Pay Transparency Directive (Podcast)

Ireland Employment

AC

Arthur Cox

E-commerce : Les enjeux juridiques pour réussir 2026 (Video)

France Commercial

HA

Haas Avocats

The Italian Market: Gaming & Regulation (Podcast)

Italy Media & IT

WP

WH Partners

Reforming The Legislation For "Trapped Buyers" Of Immovable Property

In the end of June 2025, Cyprus' House of Representatives approved crucial amendments to the Immovable Property (Transfer and Mortgage) Law.

Cyprus Real Estate

VK

G. Vrikis & Associates Ltd

Clawback Provisions Under Maltese Law In The Scenario Of Mortgage Registration On A Maltese Flag Vessel

Malta is a globally recognised jurisdiction for ship registration, offering robust protections to financiers through its ship mortgage framework.

Malta Transport

G

GTG

Specific Performance In Cyprus: When The Court Insists On The Deal

Specific performance — the remedy compelling a party to fulfill their contractual obligations — sits at the intersection of law and conscience...

Cyprus Real Estate

Phoebus, Christos Clerides & Associates LLC (Clerides Legal)

Legal Developments In Relation To The Entrapped Buyers' Legal Regime

The amending law N110(I)/2025 was published on 4th July 2025, amending the Transfer and Mortgaging of Immovable Property Law of 1965.

Cyprus Real Estate

GZ

George Z. Georgiou & Associates LLC

EU Securitisation Market Reforms

European Union Finance

WF

William Fry

Court Of Justice Of The European Union Clarifies Expectations On Consumer Protection And Mortgage Enforcement

Germany Consumer

PL

PwC Legal Germany

Shipping – Malta: The Introduction Of A Security Interest In Finance Lease Transactions

Malta Transport

GA

Ganado Advocates

Cyprus Supreme Court Reaffirms Mortgage Autonomy And Rejects Vagueness Claims

Cyprus Litigation

Phoebus, Christos Clerides & Associates LLC (Clerides Legal)

Aviation Finance & Leasing Portugal 2025

Portugal Transport

P

PLMJ

Italy's Real Estate Market In 2025: Green Trends, Tax Incentives, And Regulatory Updates

Italy Real Estate

BI

Boccadutri International Law Firm

FIG Top 5 At 5 - 01/05/2025

Ireland Finance

M

Matheson

Disputes Over Swiss Franc Mortgages

P

Penteris

Actualités Bancaires et Financières

H

Herald

Mortgage Banking Update - May 1, 2025

BS

Ballard Spahr LLP

FIG Top 5 At 5 - 01/05/2025

On 15 April 2025, the Financial Services and Pensions Ombudsman (Amendment) Act 2025 ("2025 Act") was signed into law by the President

Ireland Finance

M

Matheson

Disputes Over Swiss Franc Mortgages

The year 2024 was a positive time for Polish consumers engaged in legal battles against banks over Swiss franc (CHF) denominated mortgages.

P

Penteris

Actualités Bancaires et Financières

Obligations immédiates : depuis le 17 janvier 2025, les établissements bancaires et d'assurance doivent déclarer leurs incidents majeurs liés aux technologies de l'information et de la communication (TIC) aux autorités compétentes ; et transmettre à l'ACPR, avant le 15 avril 2025, leur registre d'informations sur les prestataires TIC

H

Herald

Mortgage Banking Update - May 1, 2025

May 1 – Read the newsletter below for the latest Mortgage Banking and Consumer Finance industry news, written by Ballard Spahr attorneys. In this issue, we explore why lenders must remain vigilant in compliance efforts...

BS

Ballard Spahr LLP

How To Obtain A Freezing Injunction In Poland? – Recent Trends

WL

Wozniak Legal

Personal Guarantees In Cyprus – What The Courts Say

Supreme Court of Cyprus: Personal guarantees remain binding, even in cases of alleged psychological pressure...

Cyprus Litigation

A|

AGPLAW | A.G. Paphitis & Co. LLC

The Introduction Of A Security Interest In Finance Lease Transactions

Malta's maritime industry is largely governed by the Merchant Shipping Act of 1973, Chapter 234 of the Laws of Malta (the "Merchant Shipping Act"), a legislative cornerstone regulating among others, vessel registration, security interests such as mortgages, safety standards, seafarers' rights and shipowner obligations.

GA

Ganado Advocates

Horizon Scanner Finance April 2025 - Irish Developments

The Bill was amended at Dáil Committee Stage in March 2025 to address an issue that arose in early 2024 in respect of the Ombudsman's remit.

Ireland Finance

AC

Arthur Cox

The Polish B2B And C2B Loan Market

The Polish Business-to-Business (B2B) loan market has experienced significant developments in recent years, reflecting broader economic trends and regulatory changes.

MK

Michael Kyprianou Law Firm

Kritische blik op algemene (bank)voorwaarden: consumenten betalen mogelijk jarenlang ten onrechte vele miljoenen aan banken en verzekeraars

Netherlands Finance

Van Diepen Van der Kroef Advocaten

A First Look - Changes And Clarifications To The Proposals In CP 158 On The CPC

Ireland Finance

M

Matheson

Invalidity Of An Auction Due To Failure To Serve The Extract Of The Seizure Report To The Mortgagee Creditor

PK

Psarakis & Kefalas Law Firm

Prohibition Of The Initiation & Continuation Of The Foreclosure Procedure Of A Mortgaged Property

GZ

George Z. Georgiou & Associates LLC

Amendments To Malta's Maritime Laws & Regulations

Malta Transport

SI

Sentient International Limited

A New Era Of Maritime Excellence: Clarifying Lease Structures

Malta Transport

GA

Ganado Advocates

A New Era Of Maritime Excellence: Chartering The Future

GA

Ganado Advocates

Auction And Order Of Ranking Of The Debtor's Creditors

PK

Psarakis & Kefalas Law Firm

Malta Introduces New Security Instrument For The Benefit Of Ship Finance Lessors

FF

Fenech & Fenech Advocates

A Relevância Do Novo Regulamento Da Inteligência Artificial No Contexto Laboral

Portugal Finance

CS

CS'Associados

A Prevalência Do Direito Do Credor Hipotecário Sobre O Direito De Retenção

Portugal Finance

CS

CS'Associados

Defining 'Consumer' Status: CJEU Ruling On Mortgage Agreements For Buy-to-let Properties

GA

Ganado Advocates

Revamping Malta's Maritime Law: Amendments To Enhance Ship Registration And Financing

Malta Transport

G

GTG

Ulster Bank Successfully Appeals FSPO Decision On Tracker Mortgages

Ireland Litigation

WF

William Fry

FIG Top 5 At 5 - 12/09/2024

Ireland Finance

M

Matheson

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