United States: Finance and Banking

The Securities and Exchange Commission has unveiled two sweeping proposals that would fundamentally reshape how public companies access capital markets and fulfill reporting obligations.

State attorneys general are increasingly filling the enforcement void left by federal agencies, pursuing fintech companies through coordinated multi-state actions and new state-level regulations. From interest rate caps to product classification disputes, the regulatory landscape is shifting dramatically as states assert authority over digital financial services. Understanding these emerging enforcement patterns and compliance strategies has become critical for financial services companies navigating this f

The transition from PSD2 to PSD3, accompanied by the directly applicable Payment Services Regulation, represents more than a legislative update, it reflects a strategic shift in the EU's approach to payments regulation.