The latest from CARCI
Regulatory Intelligence
Analysis and commentary on developments in crypto-asset regulation, financial crime compliance, and digital asset markets from the CARCI editorial team.
CARCI Intelligence articles are written and published by CARCI practitioners. For aggregated regulatory news from external sources, visit Regulation News.
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# MiCAR Transitional Period Ends July 1, 2026: What CASPs Must Do Now
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The EU Crypto Travel Rule Has Entered Its Enforcement Era
The EU Travel Rule under the Transfer of Funds Regulation is now in force. Here's how it differs from MiCAR, what it means for crypto compliance, and what the Malta case reveals about enforcement.
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ESMA Confirms MiCA Deadline for EU Crypto Firms by July 2026
ESMA has clarified that from July 2026, access to the EU crypto market depends on full MiCAR authorisation, with no extension for firms still in transition.
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FCA Crypto Perimeter Consultation: Who Falls Under UK Regulation by 2027
The FCA is defining who falls inside the UK regulatory perimeter. As FSMA regulation takes effect in 2027, firms must assess whether their activities require authorisation.
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SEC Crypto Guidance: When Interfaces Risk Broker-Dealer Status
The SEC introduces a functional test that could reshape how platforms design, monetize, and present transaction flows.
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FDIC Stablecoin Proposal Explained: GENIUS Act Rules, Risks & Compliance
The FDIC proposal is the first real attempt to translate the GENIUS Act from a legislative framework into a bank-supervisory operating model for stablecoin issuers.
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GENIUS Act AML Rule Explained: What Treasury's Proposal Means for Stablecoin Issuers
The GENIUS Act brings permitted payment stablecoin issuers into the Bank Secrecy Act framework — with specific AML programme, SAR reporting, and token-level compliance requirements.
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FATF Report on Offshore VASPs: Closing the Cross-Border Crypto Supervisory Gap
Crypto platforms can operate globally while regulation remains national. The FATF's report highlights how offshore VASPs create supervisory gaps and what regulators are doing to close them.
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Why Governance Matters in Crypto: Building Trust in Digital Asset Markets
Speed alone does not create resilience. The collapse of FTX demonstrated how quickly confidence can disappear when governance structures fail in crypto markets.
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Stablecoins and Illicit Finance: What the FATF Report Reveals
FATF's latest report examines stablecoin use in illicit finance — from DPRK cybercrime to drug trafficking — and what programmable compliance means for the future of AML controls.
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US CBDC Ban Explained: The GENIUS Act and the Future of Digital Dollars
The 2024 election reshaped US crypto regulation. The CBDC ban and the GENIUS Act together represent a strategic choice: private digital dollars over a state-issued digital currency.
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MiCA Meets PSD2: EMTs and the Next Compliance Phase for CASPs
A separate supervisory transition for EMTs and PSD2 ended March 2, 2026. How electronic money tokens sit between MiCA and PSD2 — and when EMT services trigger payment authorisation requirements.
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Weekly digest covering MiCAR, GENIUS Act, EU Travel Rule, and global crypto compliance developments — for professionals who need to stay current.