Chapter
Chapter 2: Overview of Financial Services Regulation
2.2 Strands of Regulation
Chapter 3: Regulation in Practice
3.1 Sources of Regulation
Chapter 4: The Financial Services Industry
4.1 Classic and Corporate Banking
4.3 Investment Banking and Advisory
4.6 Brokerage and Transaction Services
Chapter 5: Retail Financial Services Products
5.1 Payments and Deposits
5.2 Retail and SME/Mid-market Lending and Credit
Chapter 6: Wholesale Financial Services Products
6.2 Wholesale and Specialist Asset Management
6.3 Primary Markets and Origination
6.4 Sales, Trading, Brokerage, and Exchanges
6.5 Settlement, Custody, and Ancillary Services
6.6 Advisory and Research
Part II: Selected Regulations in Detail
Sheet 1: Alternative Investment Fund Manager Directive
1.2 Authorisation to Market
1.3 Interaction with Regulators
Sheet 2: Anti Money Laundering Directive
2.3 Obligations of All Companies
2.4 Financial Intelligence Units and Cooperation
2.5 Information Requirements on Transfers of Funds
Sheet 3: Bank Recovery and Resolution Directive
3.4 Ancillary Regulations
Sheet 4: Cross-Border Payments Regulation
Sheet 5: Consumer Contracts Directive
Sheet 6: Consumer Credit Directive
6.2 Information to Be Provided Before Concluding an Agreement
6.3 Credit Assessment and Credit Databases
6.4 Information to Be Provided with Agreements
6.5 Consumer Rights Under Credit Agreements
6.6 Annual Percentage Rate of Charge (APR)
Sheet 7: Capital Requirements Directives
7.1 General Background on Basel and CRD
7.3 Capital Requirements Overview
7.4 Capital Requirements for Credit Risk
7.5 Capital Requirements for Non-credit Risk
Sheet 8: Deposit Guarantee Scheme Directive
Sheet 9: Distance Marketing in Financial Services Directive
9.2 Information Requirements
9.3 Withdrawal and Renewal
Sheet 10: European Market Infrastructure Regulation
10.1 Definition and Scope
10.2 Central Counterparties
Sheet 11: Electronic Money Directive
11.1 Definition and Scope
Sheet 12: General Data Protection Regulation
12.1 Definition and Scope
12.3 Pre-requisites of Data Collection—Purpose and Consent
12.4 Information Requirements
12.5 Rights of the Data Subject
12.6 Data Controller Requirements
12.7 Transfer to Third Countries
12.10 Specific Situations
Sheet 13: Market Abuse Regulation
13.1 Definition and Scope
13.6 Requirements, Prohibitions, and Fines
Sheet 14: Mortgage Credit Directive
14.1 Definition and Scope
14.2 General Requirements
14.3 Credit Intermediaries and Appointed Representatives
14.4 Pre-contractual Requirements
14.5 Credit Assessment and Credit Databases
14.6 Foreign Currency and Variable Rate Loans
14.7 Arrears and Foreclosure
Sheet 15: Markets in Financial Instruments Directive
15.1 Definition and Scope
15.2 Authorisation and General Requirements
Sheet 16: Packaged Retail and Insurance-based Investment Products Regulation
16.1 Definition and Scope
16.4 Monitoring, Invervention, Complaints, and Fines
16.5 Technical Provisions
Sheet 17: Payments Services Directive
17.1 Definition and Scope
17.2 Players in the Payment System
17.3 Authorisation and Regulatory Requirements
17.4 Operational Requirements
17.6 Liability and Refunds
Sheet 18: Rating Agencies Regulation
18.3 Registration and Equivalence
18.4 General Operational Requirements
18.5 Structured Finance Ratings
18.7 Disclosure and Transparency
Sheet 19: Undertakings for Collective Investment in Transferable Securities Directive
19.2 Management Companies
19.5 Investor Information
19.6 General Obligations of UCITS’
19.7 Cross-border Distribution and Passporting of Funds
19.8 Regulators and Regulatory Powers
Sheet 20: Unfair Commercial Practices Directive
20.1 Definition and Scope
20.2 Misleading Practices
20.3 Aggressive Practices
Appendix A: Important Definitions from European Legal Texts
Appendix B: Abbreviations Used for Legal References
A Guide to Financial Regulation for Fintech Entrepreneurs
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