Payments Regulatory Calendar
Regulatory deadlines extracted from all intelligence briefings
🇪🇺
ECB DLT tokenized collateral< 30d
EU|Effective
March 30, 2026
🇮🇩TIKMI payment reform< 30d
ID|Effective
March 31, 2026
🇪🇺SEPA Instant reporting< 30d
EU|PSPs deadline
April 9, 2026
🇺🇸CLARITY Act (stablecoins)< 30d
US|Markup April
April 2026
🇪🇺AMLA first AML/CFT hearing< 90d
EU|Open consultations
May 8, 2026
🇩🇪Mandatory digital option in shops< 90d
DE|Legislation
2026
🇮🇳DPDP Act (Digital Personal Data Protection)< 90d
India|In effect, rules pending
2026
🇧🇷Open Finance Phase 4< 90d
Brazil|Implementing
2026
🇪🇺PSD3/PSR< 90d
EU|Law expected
Mid-2026
🇺🇸Illinois Interchange Prohibition> 90d
US|Effective
July 1, 2026
🇺🇸Basel III Endgame> 90d
US|Revised, pending
2026-H2
🇮🇱Lean bank licenses> 90d
IL|Negotiation
H2 2026
🇪🇺FIDA (Financial Data Access)> 90d
EU|Under negotiation
2026-2027
🇬🇧UK NPA (New Payments Architecture)> 90d
UK|In development
2026-2027
🇦🇺Payments System Reform> 90d
Australia|Under consultation
2026-2027
🇺🇸FSOC systemic designation for non-banks--
US|Discussion
Ongoing
🇪🇺DORA enforcement--
EU|In effect
Fines up to 2% revenue
🇪🇺Digital Euro--
EU|PSPs selected Jun, pilot H2 2027
Issuance 2029
🇭🇰Stablecoin licenses--
HK|First batch issued
36 applicants
🇸🇦Payments supervisory framework (SAMA)--
SA|Published
In effect
🇹🇷E-money/fintech crackdown--
TR|9 suspended
Ongoing
🇮🇹Mandatory POS-fiscal register--
IT|In effect
Already effective
🇪🇺MiCA (Markets in Crypto-Assets)--
EU|In effect
2024-12 (full) / 2026 enforcement
🇺🇸FedNow + Reg II Routing--
US|In effect / Under review
2026
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