Jurisdiction Guides

Financial Regulation by Jurisdiction

Navigate financial regulation through a jurisdiction lens — from EU-level regulation to local regulators, implementation status, and jurisdiction-specific guidance across seven jurisdictions.

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European Union

ESMA, EBA, EIOPA, ECB

The EU regulatory framework for financial services. Regulations (MiCAR, CRR, SFDR) apply directly; directives (MiFID II, AIFMD) are transposed by Member States. The ESAs develop technical standards.

Supervisory authoritiesESMA, EBA, EIOPA, ECB/SSM
Key regulationsMiCAR, DORA, MiFID II, AIFMD, CRR
Platform coverage83,700+ obligations
View European Union guide
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Netherlands

AFM & DNB

Twin-peaks supervisory model. The AFM handles conduct-of-business supervision while DNB oversees prudential requirements.

Primary regulatorAFM (conduct) + DNB (prudential)
MiCAR authorityAFM
Key legislationWft, Wwft, Bpr, Bgfo
View Netherlands guide
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Germany

BaFin

Integrated financial supervisor covering banking, insurance, and securities. Pioneered crypto custody regulation with the KWG.

Primary regulatorBaFin (integrated)
MiCAR authorityBaFin
Key legislationKWG, WpIG, KAGB, eWpG, ZAG
View Germany guide
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Luxembourg

CSSF

Europe’s largest fund centre with EUR 5+ trillion in assets. The CSSF serves as integrated supervisor for banking, investment, and fund management.

Primary regulatorCSSF (integrated)
MiCAR authorityCSSF
Fund assetsEUR 5+ trillion
View Luxembourg guide
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United Kingdom

FCA & PRA

Twin-peaks model with the FCA for conduct and PRA for prudential supervision. Post-Brexit, the UK is diverging from EU regulation under the Edinburgh Reforms.

Primary regulatorFCA (conduct) + PRA (prudential)
Key frameworksSM&CR, Consumer Duty
Key legislationFSMA 2000, FSMA 2023
View United Kingdom guide
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Belgium

FSMA & NBB

Twin-peaks model. The FSMA handles conduct-of-business supervision and investor protection while the NBB oversees prudential requirements.

Primary regulatorFSMA (conduct) + NBB (prudential)
MiCAR authorityFSMA
Key legislationLaw 2002, Banking Law 2014
View Belgium guide
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France

AMF & ACPR

Twin-peaks model with the AMF for markets and ACPR (Banque de France) for prudential supervision. Pioneered crypto regulation through the PSAN regime.

Primary regulatorAMF (markets) + ACPR (prudential)
MiCAR authorityAMF
Key legislationCode monétaire et financier
View France guide

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