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Singapore’s pragmatic yet forward-looking stance on stablecoins encourages innovation in payments, but only when supported by robust regulation and strong consumer protection.

The EU’s Instant Payments Regulation (IPR) is now in force, requiring eurozone payment service providers (PSPs) to send and receive instant payments at no additional cost. It remains to be seen how significantly this will affect the uptake of instant payments across the EU.

Gaps in the implementation of the Financial Stability Board’s (FSB) recommendations are creating compliance challenges and legal uncertainty, as well as permitting regulatory arbitrage and weakening global oversight.

With white labelling now commonplace in the EU financial landscape, the European Banking Authority (EBA) has signalled that 2026 will mark the start of systematic supervisory mapping of the practice across the bloc.

The joint action against an online fraud network operating across Southeast Asia represents a new approach to tackling online and telecommunications scams and may pave the way for greater cross-border cooperation.

Anti-money laundering (AML) regulatory changes are a consistent part of the compliance landscape rather than a cyclical phenomenon. AML-related updates now represent an increasingly significant proportion of global regulatory activity, signalling that financial crime prevention has become a core priority for supervisory authorities worldwide. For organisations operating in high-risk sectors such as banking and payments, this trend demands heightened attention, as the financial and reputational consequences of non-compliance can be costly.

The UK regulator’s shift away from a temporary cap signals a more deliberate regulatory approach, balancing legal challenges, operational risks and market stability as it works toward a lasting solution.

The Financial Conduct Authority (FCA) plans to accelerate the UK’s transition from open banking to open finance, potentially unlocking a more efficient and competitive market.

This report extends Vixio's enforcement coverage beyond Europe to Asia-Pacific and North America, identifying emerging regional trends. It highlights the most active regulators, the most common breaches and the products and services most frequently sanctioned.

New guidance clarifying when financial institutions must file suspicious activity reports (SARs) aims to reduce unnecessary compliance burdens and allow firms to focus resources on higher-value investigations.