Things I wrote about Law and Regulation
Yup, I also write stuff about my field of work. Most of these are brief articles about the law and regulation that pertains to fintech, which is the main theme of my career. They are organised from most recent to oldest
Some key takeaways for Fintech strategists from the FCA-comissioned Woolard report, a policy material with the potential to influence upcoming regulatory stances on BNPL and credit innovation.
(February 2021)
Una lectura crítica de las sentencias del Tribunal Supremo Español sobre los límites aplicables a las tasas de interés en el crédito al consumo.
(Marzo de 2020)
My reading notes about Giovanni Butarelli’s posthumous manifesto on the future of privacy and the guiding principles to preserve it. 2030 looks dangerously close now and no less dystopian.
(November 2019)
This was a critical read of a draft of the EBA guidelines intended to govern loan origination. I argue that the draft anchored the loan origination process to the past by conceiving it as the by-product of some kind of microcosm where the only right decisions are made by credit committees.
(October 2019)
In this piece I argue something that now seems to be well established common sense: That Account Information Services (AISP) as defined in and regulated by the second Payment Services Directive (PSD2) can be used to streamline KYC user experiences.
(April 2019)
In this piece I offer a rather critical view of how AML LAW regulates KYC and customer-due diligence and offer some “fintech-minded” thoughts on how it can evolve enable innovation in the realm of financial services.
(February 2019)
This piece was one of my most commented because it chipped in on the controversial issue of how the EBA should treat screen-scraping in the context of the implementation of the “Open Finance” principles set out in PSD2. It should come as no surprise that I argued how critical it was for newly minted Account Information Service Providers (AISP) to be able to resort to screen-scraping whenever banks didn’t deliver the reliable APIs that the PSD2 mandated.
(July 2017)