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1.
General innovation climate
What is the general state of fintech innovation in your jurisdiction?To read more
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2.
Government and regulatory support
Do government bodies or regulators provide any support specific to financial innovation? If so, what are the key benefits of such support?To read more
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3.
Regulatory bodies
Which bodies regulate the provision of fintech products and services?To read more
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4.
Regulated activities
Which activities trigger a licensing requirement in your jurisdiction?To read more
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5.
Consumer lending
Is consumer lending regulated in your jurisdiction?To read more
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6.
Secondary market loan trading
Are there restrictions on trading loans in the secondary market in your jurisdiction?To read more
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7.
Collective investment schemes
Describe the regulatory regime for collective investment schemes and whether fintech companies providing alternative finance products or services would fall within its scope.To read more
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8.
Alternative investment funds
Are managers of alternative investment funds regulated?To read more
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9.
Peer-to-peer and marketplace lending
Describe any specific regulation of peer-to-peer or marketplace lending in your jurisdiction.To read more
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10.
Crowdfunding
Describe any specific regulation of crowdfunding in your jurisdiction.To read more
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11.
Invoice trading
Describe any specific regulation of invoice trading in your jurisdiction.To read more
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12.
Payment services
Are payment services regulated in your jurisdiction?To read more
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13.
Open banking
Are there any laws or regulations introduced to promote competition that require financial institutions to make customer or product data available to third parties?To read more
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14.
Insurance products
Do fintech companies that sell or market insurance products in your jurisdiction need to be regulated?To read more
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15.
Credit references
Are there any restrictions on providing credit references or credit information services in your jurisdiction?To read more
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16.
Passporting
Can regulated activities be passported into your jurisdiction?To read more
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17.
Requirement for a local presence
Can fintech companies obtain a licence to provide financial services in your jurisdiction without establishing a local presence?To read more
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18.
Restrictions
What restrictions apply to the sales and marketing of financial services and products in your jurisdiction?To read more
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19.
Notification and consent
Describe any rules relating to notification or consent requirements if a regulated business changes control.To read more
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20.
Anti-bribery and anti-money laundering procedures
Are fintech companies required by law or regulation to have procedures to combat bribery or money laundering?To read more
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21.
Guidance
Is there regulatory or industry anti-financial crime guidance for fintech companies?To read more
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22.
Execution and enforceability of loan agreements
What are the requirements for executing loan agreements or security agreements? Is there a risk that loan agreements or security agreements entered into on a peer-to-peer or marketplace lending platform will not be enforceable?To read more
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23.
Assignment of loans
What steps are required to perfect an assignment of loans originated on a peer-to-peer or marketplace lending platform? What are the implications for the purchaser if the assignment is not perfected? Is it possible to assign these loans without informing the borrower?To read more
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24.
Securitisation risk retention requirements
Are securitisation transactions subject to risk retention requirements?To read more
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25.
Securitisation confidentiality and data protection requirements
Is a special purpose company used to purchase and securitise peer-to-peer or marketplace loans subject to a duty of confidentiality or data protection laws regarding information relating to the borrowers?To read more
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26.
Artificial intelligence
Are there rules or regulations governing the use of artificial intelligence, including in relation to robo-advice?To read more
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27.
Distributed ledger technology
Are there rules or regulations governing the use of distributed ledger technology or blockchains?To read more
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28.
Cryptoassets
Are there rules or regulations governing the use of cryptoassets, including digital currencies, digital wallets and e-money?To read more
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29.
Digital currency exchanges
Are there rules or regulations governing the operation of digital currency exchanges or brokerages?To read more
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30.
Initial coin offerings
Are there rules or regulations governing initial coin offerings (ICOs) or token generation events?To read more
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31.
Data protection
What rules and regulations govern the processing and transfer (domestic and cross-border) of data relating to fintech products and services?To read more
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32.
Cybersecurity
What cybersecurity regulations or standards apply to fintech businesses?To read more
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33.
Outsourcing
Are there legal requirements or regulatory guidance with respect to the outsourcing by a financial services company of a material aspect of its business?To read more
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34.
Cloud computing
Are there legal requirements or regulatory guidance with respect to the use of cloud computing in the financial services industry?To read more
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35.
IP protection for software
Which intellectual property rights are available to protect software, and how do you obtain those rights?To read more
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36.
IP developed by employees and contractors
Who owns new intellectual property developed by an employee during the course of employment? Do the same rules apply to new intellectual property developed by contractors or consultants?To read more
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37.
Joint ownership
Are there any restrictions on a joint owner of intellectual property’s right to use, license, charge or assign its right in intellectual property?To read more
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38.
Trade secrets
How are trade secrets protected? Are trade secrets kept confidential during court proceedings?To read more
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39.
Branding
What intellectual property rights are available to protect branding and how do you obtain those rights? How can fintech businesses ensure they do not infringe existing brands?To read more
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40.
Remedies for infringement of IP
What remedies are available to individuals or companies whose intellectual property rights have been infringed?To read more
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41.
Sector-specific issues
Are there any specific competition issues that exist with respect to fintech companies in your jurisdiction?To read more
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42.
Incentives
Are there any tax incentives available for fintech companies and investors to encourage innovation and investment in the fintech sector in your jurisdiction?To read more
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43.
Increased tax burden
Are there any new or proposed tax laws or guidance that could significantly increase tax or administrative costs for fintech companies in your jurisdiction?To read more
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44.
Sector-specific schemes
What immigration schemes are available for fintech businesses to recruit skilled staff from abroad? Are there any special regimes specific to the technology or financial sectors?To read more
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Updates and trends
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