The future of Fintech Regulation by Catherine Houssa.

1. 1
The Future of FinTech Regulation

2. 2
Main Actors

3. 3
The classics: mapping and consulting

4. 4
The classics: mapping and consulting
 Huge variation in the regulatory status of FinTech firms
EBA Discussion Paper 04 08 2017 – Figure 1

5. 5
The classics: mapping and consulting
 Huge variation in the regulatory status
 Regulatory status does not appear to correlate with technology
 Considerable differences between regulatory regimes in Europe
 Different policies in place for supporting the development of FinTech
 FinTech sector demands most urgently EU harmonized regulation in
the fields of DLT (blockchain), A.I., Crowdfunding and P2P lending

6. 6
ESA on Robo-advice
 Is specific regulatory or supervisory action
needed?
 The risks & benefits
 Heavy regulation already in place
 Conclusion: No specific regulatory action is
required at this stage

7. 7
ECB on FinTech Banks
 First FinTech specific definition
 Same service, same risk, same rules?
 Important points:
o Technical competences for effective
leaders and shareholders
o Alternative credit scoring methods
o Exit plan
o Possibility of bigger buffers
o Outsourcing

8. Lucien
Vanessa
Thomas
Philippe
Catherine
Gaëtan
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@simontbraun - Simont Braun - digitalfinance@simontbraun.eu