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A Guide to Financial Regulation for Fintech Entrepreneurs

A Guide to Financial Regulation for Fintech Entrepreneurs

Stefan Loesch

ISBN: 978-1-119-43675-1

Feb 2018

304 pages



The Fintech Entrepreneur’s Guide to Regulation and Regulatory Strategy

Fintech has been growing dramatically over the last few years, and it is now an important sector in its own right. This means that Fintech companies, who could so far often rely on a comparatively lenient regulatory regime, will now have to give serious thoughts on compliance with applicable regulatory rules. 

Operating in a highly regulated environment is tedious, but not all bad—companies that can play the regulatory game well have a strategic advantage, especially with regard to time-to-market and scaling. Nothing spells missed opportunity like a competitor building market share with a copycat product whilst you are still waiting for your license!

Written for professionals, this book helps anyone whose job has to do with formulating or executing a Fintech startup strategy or whose job touches financial services regulation, or anyone who simply wants an easy- to-read introduction to financial services and their regulation.   

  • Describes the purpose of and principle behind modern financial services regulation
  • Explains how to include regulation into a startup’s strategic planning to optimize time-to-market and scaling
  • Gives an overview of the entire financial services space, and which regulations apply where
  • Gives detailed references to 20 key regulations in the EU regulatory system, including PSD, GDPR, CRD, AMLD, MiFID, UCITSD, AIFMD

The first part introduces financial services regulation, its purpose, how it is created (especially in the EU and in the US), and it develops a framework for including regulations into the strategic planning of a company. It also gives a rundown of the current financial services space—players and products—and its key regulations. The second part describes a regulatory system in more detail. The system chosen is the EU because it is more consistent and unified than the US system where a lot of the regulation still is created at the state-level. However, as most financial regulation nowadays is determined at the global level, the principles found in EU regulation will be by and large also be found the US and other systems.

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About the book


About the Author

Part I: Fintech Regulations and Strategy

Chapter 1: Regulatory Strategy For Fintech Companies

Chapter 2: Overview of Financial Services Regulations

Chapter 3: Regulations in Practice

Chapter 4: The Financial Services Industry

Chapter 5: Retail Financial Services Products

Chapter 6: Wholesale Financial Services Products

Part II: Selected Regulations in Detail

Chapter 7: Alternative Investment Fund Manager Directive

Chapter 8: Anti Money Laundering Directive

Chapter 9: Bank Recovery and Resolution Directive

Chapter 10: Cross-Border Payments Regulation

Chapter 11: Consumer Contracts Directive

Chapter 12: Consumer Credit Directive

Chapter 13: Capital Requirements Directives

Chapter 14: Deposit Guarantee Scheme Directive

Chapter 15: Distance Marketing in Financial Services Directive

Chapter 16: European Market Infrastructure Regulation

Chapter 17: Electronic Money Directive

Chapter 18: General Data Protection Regulation

Chapter 19: Market Abuse Regulation

Chapter 20: Mortgage Credit Directive

Chapter 21: Markets in Financial Instruments Directive

Chapter 22: Packaged Retail and Insurance-based Investment Products Regulation

Chapter 23: Payments Services Directive

Chapter 24: Rating Agencies Regulation

Chapter 25: Undertakings for Collective Investment in Transferable Securities Directive

Chapter 26: Unfair Commercial Practices Directive

Appendix A

Appendix B