fintech.infrastructure.media
The journal of record for the people building modern finance.
SECTION · POLICY & REGULATION · CONSUMER PROTECTION — WHERE FINTECH MEETS THE CUSTOMER
Disclosure rules, scam liability, overdraft caps, fair-lending tests, complaint-handling standards — consumer protection is the category most likely to reshape a fintech's unit economics overnight. Our coverage tracks the CFPB, the FCA's Consumer Duty, EU consumer-credit rewrites, and the supervisory actions behind the headlines.
016 STORIES PUBLISHED THIS QUARTER · UPDATED DAILY
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13 STORIES
SORTED BY MOST RECENT
A drafting choice in MiCA’s distribution provisions has let three large issuers passport from a small jurisdiction without local presence. ESMA staff are now circulating a Level 3 clarification.
BY LéA BERTRAND · 24 APR 2026
BUIDL is now larger than every spot-Ethereum ETF combined, and is being used as on-chain collateral by four of the largest crypto-prime brokers. The on-chain capital market has, quietly, arrived.
BY MARCUS CHEN · 22 APR 2026
The personal financial data rights rule is now law of the land. We read every page so you don’t have to, and pull out the four provisions that change the competitive balance.
BY MARCUS CHEN · 22 APR 2026
Mizuho, MUFG and SMBC are independently piloting tokenised-deposit JPY units inside the FSA’s revised Payment Services Act. Inside the rulings, the rails, and what it means for cross-border yen.
BY KENJI MORI · 20 APR 2026
Eighteen months in, the practical compliance picture is clearer. We map every High-Risk Annex III obligation to a fintech use case, and flag the four where the regulator is already asking questions.
BY LéA BERTRAND · 20 APR 2026
The word now covers four meaningfully different financial instruments. Confusing them is the most common mistake in fintech reporting. Here is the field guide.
BY RACHEL TAN · 18 APR 2026
The interpretive letter clears the way for federally chartered banks to mint payment stablecoins on their own balance sheet. Three of the largest US banks have already begun internal pilots.
BY MARCUS CHEN · 18 APR 2026
The last EU-licensed venue carrying Tether pairs delisted on Tuesday. Inside the move, the volume that walked, and the only stablecoin that meaningfully picked it up.
BY LéA BERTRAND · 16 APR 2026
Reimbursement is up. So is total reported fraud. Inside the unintended consequence the regulator did not expect, and the consultation that is already in draft.
BY PRIYA ANAND · 16 APR 2026
A purpose-built regulatory category for real-world-asset issuers — and the first three names to receive it. The race for the GCC’s on-chain capital market has a new fastest mover.
BY FELIX VANDENBERG · 13 APR 2026
The Monetary Authority of Singapore wants public input on whether the four licensees have delivered the financial-inclusion outcomes the framework was designed for. Submissions close in August.
BY MEI-LIN CHO · 14 APR 2026
We modelled the unit economics of stablecoin acceptance versus card across Mexico, Brazil and Colombia. The result is the most uncomfortable chart we have published this year.
BY HELENA MARQUES · 10 APR 2026
The RBI’s in-principle authorisation regime for cross-border payments aggregators is the most-coveted licence in Asian fintech right now. Here is exactly what it permits, and what it does not.
BY PRIYA ANAND · 12 APR 2026
WHAT FINTECHLY IS TRACKING
EU
The ESMA Level 3 paper on MiCA distribution that may close the passporting loophole.
US
How big banks plan to comply with finalised CFPB Section 1033 by the deadline.
UK
The PSR's draft consultation on APP fraud reimbursement after the volume rebound.
ASIA
Singapore's MAS digital-bank licence review and what it changes for the four licensees.
MENA
Dubai's first three RWA licensees and what they are bringing on-chain.
GLOBAL
Which European banks will mint their own MiCA-licensed euro stablecoin first.
FOR PRACTITIONERS & INSIDERS
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