Germany: Financial Services

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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.
Article
Bridging The Atlantic On Stablecoins: The EBA-NYDFS Supervisory Cooperation MoU And Its Implications For Regulated Firms
The European Banking Authority and New York State Department of Financial Services have signed a groundbreaking Memorandum of Understanding establishing a formal framework for transatlantic supervisory cooperation on stablecoin regulation. This agreement enables structured information exchange, cross-border inspections, and emergency coordination between EU and US regulators overseeing entities engaged in stablecoin activities under MiCAR and New York's regulatory framework.
Worldwide Finance
PL
PwC Legal Germany
Article
Joint Committee Of The ESAs’ Annual Report 2025 – Key Implications For Regulated Firms
On 24 April 2026, the Joint Committee (JC) of the three European Supervisory Authorities (ESAs)—comprising the European Banking Authority (EBA), the European Securities and Markets Authority (ESMA) and the European Insurance and Occupational Pensions Authority (EIOPA)—published its Annual Report for 2025. The JC, chaired in 2025 by EIOPA,1 continued to serve as the central coordinating forum facilitating dialogue and information exchange among the ESAs, the European Commission and the European Systemic Risk Board (ESRB).
Germany Finance
PL
PwC Legal Germany
Article
After The MiCAR Deadline: Enforcement, Liability And Legal Consequences For Non-Compliant CASPs From 1 July 2026
The European Securities and Markets Authority has issued a definitive statement clarifying that the MiCAR transitional period expires on 1 July 2026, after which any entity providing crypto-asset services to EU clients without proper authorization will be in breach of EU law. This regulatory deadline represents a fundamental legal transformation of the EU crypto-asset market, affecting business models, contractual relationships, board exposure, and enforcement risk for crypto-asset service providers.
Germany Finance
PL
PwC Legal Germany
Article
AI Disruption In European SaaS: Understanding Distress Signals And What It Takes To Win
The rise of generative and agentic AI is fundamentally disrupting the SaaS sector, threatening traditional seat-based pricing models and creating a stark divide between resilient platforms and vulnerable mid-market vendors. As AI-driven competition intensifies and a significant refinancing wave approaches in 2027-28, private equity sponsors and lenders face unprecedented challenges in evaluating software investments and managing portfolio risk.
European Union Technology
A
AlixPartners
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