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Digital Finance Regulatory Tracker
New laws, consultations, licensing rules, sandboxes, AML/CFT updates and guidance on digital assets, AI and data, in one place. Each entry has a short note on what it means for firms and their advisers.
| Jurisdiction | Date | Institution | Development | Area | Status | FDFR Analysis |
|---|---|---|---|---|---|---|
| India | 2026-09 | Reserve Bank of India | Retail CBDC pilot expansion to additional banks and offline functionality | Digital Assets | Active | Signals a shift from proof-of-concept toward scalable retail rails; watch interoperability with UPI. |
| European Union | 2026-08 | European Commission | AI Act conformity timelines applied to financial-sector high-risk systems | AI & Finance | Active | Credit-scoring models are clearly covered. Lenders using these models should start their conformity work now. |
| United Kingdom | 2026-07 | Financial Conduct Authority | Open banking market review and roadmap toward open finance | Data & Governance | Under review | Consent systems built for banking may not work as well for pensions and investments. |
| Singapore | 2026-06 | Monetary Authority of Singapore | Wholesale CBDC settlement framework consultation | Digital Assets | Consultation | Other Asian central banks are likely to watch this framework closely. |
| Sri Lanka | 2026-05 | Central Bank of Sri Lanka | Draft framework for digital lending and consumer protection | FinTech & Digital Finance | Consultation | The rules on disclosure and price caps will help determine whether digital credit expands access without harming consumers. |
| Bangladesh | 2026-04 | Bangladesh Bank | Open-banking licensing conditions released | Data & Governance | Adopted | This is an important step towards financial data that can be shared safely across services in the region. |
| United States | 2026-03 | SEC / CFTC | Joint guidance on tokenised securities and market infrastructure | Capital Markets | Under review | The main point of tension remains where one agency’s authority ends and the other’s begins. |
| Pakistan | 2026-02 | State Bank of Pakistan | Raast instant payment system extended to government payments | FinTech & Digital Finance | Active | Government payments can be one of the quickest ways to bring instant payments into everyday use. |
| UAE | 2026-01 | VARA | Updated virtual-asset rulebooks on stablecoin issuance | Digital Assets | Adopted | The new reserve and redemption rules are now closer to international standards. |
| Australia | 2025-12 | ASIC / Treasury | Digital asset platform licensing regime introduced to Parliament | Financial Regulation | Under review | The custody and market integrity rules could become a reference point for the region. |
10 developments · coverage expanding by jurisdiction