This regulation roadmap by The Payments Association provides a forward-looking view of key legal and regulatory developments shaping the financial services and payments landscape. It covers major regulatory initiatives across the UK, EU and other jurisdictions, distinguishing confirmed reforms from emerging policy proposals.

The roadmap helps firms identify what is changing, when it is expected to happen, and where regulatory focus is likely to intensify. It covers a broad range of topics, including payments, cryptoassets, prudential regulation, consumer protection, data and digital innovation, and financial market infrastructure.

The roadmap highlights regulatory developments with the greatest potential impact on firms’ strategic, compliance and operational planning.

The roadmap includes confirmed regulatory deadlines and expected milestones. Where dates remain indicative or subject to consultation or legislative change, these are identified accordingly.

Information is accurate as at [26 Oct 2026]. Regulatory dates and requirements may change.