About the roadmap

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 brings together major initiatives across the UK, EU and other relevant jurisdictions, highlighting both confirmed reforms and emerging policy direction.

The roadmap is designed to help 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 focuses on developments most likely to affect firms’ strategy, compliance and operational planning. It draws on primary legislation, regulatory publications, consultations and supervisory signals to provide a structured view of the evolving landscape.

Timelines and key dates are included where available. In some cases, these reflect indicative or expected milestones rather than fixed deadlines, particularly where reforms are still under consultation or subject to legislative change.