fscom News and Events

James Borley

James Borley
Director at fscom

Recent Posts

Brexit: Autobahn to Authorisation?

[fa icon='calendar'] 16-Oct-2018 14:19:52 / by James Borley posted in BREXIT, Payment services, Compliance, E-money, PSD2

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Brexit Workshop: 'Speed Network EU Destinations for Your Perfect Match"

[fa icon='calendar'] 27-Sep-2018 11:45:00 / by James Borley posted in Compliance, E-money, Payment services, BREXIT, PSR Assurance, EMR Assurance

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Brexit: A lifeline in Lithuania?

[fa icon='calendar'] 25-Sep-2018 09:45:22 / by James Borley posted in BREXIT, Payment services, FCA, E-money, Compliance

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Brexit: Out of the EU...back to Brussels?

[fa icon='calendar'] 06-Sep-2018 20:49:56 / by James Borley posted in BREXIT, Payment services, E-money, PSD2, FCA

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Following my well-received blog about the ACPR’s approach to UK payment/e-money institutions applying for authorisation in France as part of their Brexit strategy, it was almost obvious that I should follow this up with consideration of near-neighbours Belgium. 

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Brexit: All roads lead to...Paris?!

[fa icon='calendar'] 28-Aug-2018 14:45:59 / by James Borley posted in BREXIT, Payment services, Compliance, FCA, E-money, PSD2

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“Mirror, Mirror on the wall, who is the fairest (regulator) of them all?”

[fa icon='calendar'] 06-Aug-2018 11:53:11 / by James Borley posted in FINTECH, BREXIT, Payment services, E-money, PSD2

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For some, Brexit may still seem like something out of a fairy tale but, whether you are for or against, it will become a reality next March 2019.

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Inside the Regulator: PSD2 Deadline Day

[fa icon='calendar'] 13-Apr-2018 08:26:20 / by James Borley posted in Payment services, Compliance Assurance, Compliance, FCA, E-money, PSD2, fscom News

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The third in my trilogy of PSD2 blogs from ‘Inside the Regulator’. However, as we are now entering uncertain and uncharted territory, in terms of firms that failed to submit applications for re-authorisation in time, my insights are more presumptive than previously.  

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PSD2 - further inside the regulator

[fa icon='calendar'] 19-Mar-2018 17:40:38 / by James Borley posted in cryptocurrency, FINTECH, Payment services, FCA, PSD2, E-money

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Drawing on my experience of heading up the Payment Services Authorisations Team at the FCA for many years, I spoke last week (http://blog.fscom.co.uk/psd2-a-glimpse-inside-the-regulator) about the FCA’s expectations for authorisations and re-authorisations, and offered some insight into how they might approach the challenges brought about by PSD2. I now explore the risks inherent in firms wishing to ‘upgrade’ their licences, the new entrants under PSD2 and the FCA’s approach to supervision.

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PSD2 - a glimpse inside the Regulator

[fa icon='calendar'] 13-Mar-2018 14:20:11 / by James Borley posted in Payment services, Compliance, FCA, PSD2, E-money

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Much of our time is, and seems always to have been, spent trying to interpret exactly what the regulations or, more importantly, the Regulator is expecting. A leading question asked by many compliance officers is, 'what do they expect of my company?'. This is often where the compliance consultant comes in.

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Comply or Die: How compliance audits can help FinTechs survive

[fa icon='calendar'] 08-Feb-2018 16:37:51 / by James Borley posted in FINTECH, Payment services, EMR Audit, PSR Audit, 4MLD

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‘Compliance’ is the watchword in financial services, perhaps more now than ever. With new rules and regulations being introduced across Europe, most notably 4MLD, MiFID II, PSD2 and GDPR, Heads of Compliance across multiple industry verticals are now under major pressure to ensure their processes and procedures are up to date, adequate and compliant.

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