Regulatory Horizon Scanner: Fintech firms – Europe, Q1 2026

11 February 2026

In this regulatory horizon scanner, we identify and summarise key legislative and non-legislative developments that are likely to have an impact on fintech sector firms providing services in the EU and UK, including:

• Markets related developments

Key financial markets developments, such as EU and UK wholesale markets reforms.

• Digital assets developments

Digital assets legislation and initiatives, such as the EU’s MiCA, EU and UK sandboxes, and progress towards the Digital Euro and Digital Pound.

• Cross-sectoral developments

Key developments that impact all firms across the financial services sector, such as reforms to payments and AML frameworks.

Where relevant, we set out projected timelines for the finalisation and implementation of the relevant developments, covering approximately the next two years.

Please get in touch with a Clifford Chance fintech contact if you would like to understand more about how any of these developments impact your business.

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