All Positions

EFA Position Paper on the Artificial Intelligence Act

The European FinTech Association (EFA) welcomes the European Commission’s (Commission) legislative proposal on Artificial Intelligence (AI) to promote the development of AI in Europe. We would like to provide with this position paper a set of recommendations.

October 26, 2022

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EFA Position Paper on the Revised Payment Services Directive 2

The European FinTech Association (EFA) welcomes the European Commission’s (Commission) review of the Payment Services Directive 2 (PSD2). PSD2 has delivered a more innovative, competitive payments landscape in Europe, however, challenges remain in its implementation.

July 13, 2022

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EFA Position Paper on Open Finance

The European Fintech Association’s (EFA) vision is for European FinTechs to be the most innovative and competitive in the world, providing European consumers with solutions to meet their individual needs. If done right, the open finance framework can prove to be a game changer for the industry.

July 13, 2022

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EFA Statement on the Transfer of Funds Regulation

The European FinTech Association (EFA) welcomes the efforts of the European Commission, Council, and European Parliament on the proposed anti-money laundering package which will ensure a harmonized European framework to prevent money laundering and counter-terrorist financing (ML/TF) in the EU.

June 21, 2022

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EFA Policy Paper on the Issuance of a Digital Euro

The European FinTech Association (EFA) welcomes the discussion around the digital euro and the various considerations on its upcoming design. The EFA supports an open and competitive payments landscape. If correctly designed, the issuance of a digital euro could transform the economy, generating new

June 15, 2022

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EFA input on upcoming Commission Instant Payments legislation

The EFA welcomes and fully supports the Commission’s plans to put forward a legislative initiative on instant payments to promote adherence to SCT Inst. Legislation is necessary to further accelerate the uptake and roll-out of instant payments in the EU.

April 1, 2022

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EFA Statement on the European Payments Initiative

The European FinTech Association (EFA) supports the European Commission’s aim to encourage a more innovative and competitive EU retail payments market. EFA believes the European Payments Initiative (EPI) can contribute to this objective

April 1, 2022

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EFA's Response to the EBA’s Consultation on Remote Customer Onboarding Guidelines

The European Fintech Association (EFA) welcomes the opportunity to participate in the European Banking Authority’s (EBA) consultation on its draft Guidelines on the use of remote customer onboarding solutions.

March 30, 2022

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EFA Statement on AI

The European FinTech Association (EFA) welcomes the European Commission’s (Commission) legislative proposal on Artificial Intelligence (AI) to promote the development of AI in Europe, and fully supports its intention to protect the privacy of European citizens.

February 9, 2022

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EFA Position Paper on the EU Retail Investment Strategy

The European FinTech Association (EFA) welcomes the European Commission’s work on a dedicated Retail Investment Strategy. We agree that the ultimate goal of the Capital Markets Union cannot be attained without a meaningful inclusion of retail investors.

January 31, 2022

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EFA Policy Statement on Basel III

The European FinTech Association (EFA) welcomes the European Commission’s (Commission) proposal to review the Capital Requirements Regulation and the Capital Requirements Directive, implementing the Basel III agreement in the EU.

January 31, 2022

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EFA Position on the Consumer Credit Directive Review

Fintechs welcome the Review of the Consumer Credit Directive as a necessary step to bring the legislation up to…

December 20, 2021

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EFA Position on the Settlement Finality Directive Review

FinTechs support fair access to payment systems: EFA’s Position Paper on the Settlement Finality Directive (SFD) review.

December 3, 2021

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EFA publishes its position on the proposed AML Framework

EFA Position Paper: Towards a harmonised Anti-Money Laundering Framework.

December 3, 2021

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EFA Policy Statement on e-IDAS Regulation

The EFA welcomes the European Commission’s proposal on the review of the e-IDAS regulation as a significant and positive step towards removing cross-border barriers in the EU, and building a more harmonized and accessible financial services landscape for European businesses and consumers.

October 7, 2021

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EFA position paper on the Artificial Intelligence legislative proposal

The European FinTech Association (EFA) welcomes the European Commission’s (Commission) recent legislative proposal on Artificial Intelligence (AI) to promote the development of AI in Europe, and fully supports its intention to protect the privacy of European citizens.

August 9, 2021

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Creating an Ecosystem that will allow EU FinTechs to Thrive

The EFA warmly welcomes the call for evidence on digital finance by the ESMA and the possibility to provide its input. The EFA represents more than 30 leading FinTech companies of all sizes across the EU that are active in different business areas.

August 2, 2021

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EFA responds to European Commission’s Consultation on Instant Payments

The EFA fully supports the European Commission’s vision for retail payments including a competitive, innovative payments market. Making instant payments the new norm and promoting fair and equal access to critical infrastructure is key to achieving a truly competitive payments landscape.

June 24, 2021

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EFA publishes position on a European AML Framework

The European FinTech Association (EFA) has today published its position paper on a European action plan for a comprehensive Union policy on preventing money laundering and terrorist financing.

December 18, 2020

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EFA publishes position on European Digital Identification

The European FinTech Association (EFA) has today published its position paper on a enabling interoperable digital identification in the EU.

December 18, 2020

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EFA publishes position on European Retail Payments

The European FinTech Association (EFA) published today its position on a European Payments Strategy.

December 18, 2020

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Input on EDPB Guidelines on the interplay of the Second Payment Services Directive and the GDPR

The EFA has provided its comments regarding Guidelines 06/2020 on the interplay of the Second Payment Services Directive and the GDPR.

September 16, 2020

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Input on EBA’s AML/CTF Draft Guidelines

The European Fintech Association has provided its input to the European Banking Authority draft guidelines for the revision of the money laundering and terrorist financing (ML/TF) risk factors.

August 8, 2020

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AML position paper

The EFA presents its position paper on AML

June 4, 2020

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MiFID II-MiFIR position paper

Response of the European FinTech Association (EFA) to Section XI (“Digitalisation and new technologies”) on the public consultation of the review of the regulatory framework for investment firms and market operators by the European Commission.

May 16, 2020

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