The application dates of the EU and French texts that matter for financial, crypto-asset and payment businesses, with what changes and who is concerned.
Next date 2 November 2026 · ESG RatingsESG rating providers that notified ESMA by 2 August 2026 must have filed their application for authorisation or recognition; they may keep operating until a decision is made.
Who is concerned : ESG rating providers, including non-EU firms
Financial law: AMF and ACPR → Text : Règlement (UE) 2024/3005 ↗
2 November 2026Scope extends to small loans and buy-now-pay-later; creditworthiness assessment, pre-contractual information and advertising rules are tightened.
Who is concerned : Lenders, credit FinTechs, buy-now-pay-later providers
ACPR authorisation → Text : Directive (UE) 2023/2225 ↗
20 November 2026Core banking services provided in the EU by a third-country bank must, in principle, go through a branch authorised in the Member State concerned (art. 21c).
Who is concerned : Non-EU banks serving EU clients
ACPR authorisation → Text : Directive (UE) 2024/1619 ↗
11 January 2027Euro-area payment and e-money institutions must be able to receive and send instant euro credit transfers, with verification of payee.
Who is concerned : Payment institutions, e-money institutions
ACPR authorisation → Text : Règlement (UE) 2024/886 ↗
9 April 2027New supervisory reporting requirements apply, and existing funds must have put in place the liquidity management tools required by the reform.
Who is concerned : AIF and UCITS management companies
AMF authorisations → Text : Directive (UE) 2024/927 ↗
16 April 2027Due diligence obligations (customer and beneficial owner identification, monitoring, suspicious transaction reporting) are set directly by the regulation in every Member State.
Who is concerned : Banks, payment institutions, CASPs and other obliged entities
Financial law: AMF and ACPR → Text : Règlement (UE) 2024/1624 ↗
10 July 2027Providers report information on their clients and 2026 transactions to the tax authorities, no later than nine months after the end of the year.
Who is concerned : CASPs and reporting providers
Tax counsel → Text : Directive (UE) 2023/2226 ↗
September 2027Transactions in transferable securities executed on trading venues must settle no later than the first business day after the trade.
Who is concerned : Investment firms, brokers, custodians, market infrastructures
Financial law: AMF and ACPR → Text : Règlement (UE) 2025/2075 ↗
11 October 2027Risk management, technical documentation, human oversight and conformity assessment apply to systems listed in Annex III (recruitment, credit, education, etc.), after the postponement decided in 2026.
Who is concerned : Providers and deployers of high-risk AI systems
AI law and the AI Act → Text : Règlement (UE) 2026/1744 (omnibus numérique) ↗
2 December 2027The EU anti-money laundering authority starts directly supervising a selection of high-risk cross-border financial institutions, including crypto-asset service providers.
Who is concerned : Financial institutions and CASPs operating in several Member States
Financial law: AMF and ACPR → Text : Règlement (UE) 2024/1620 ↗
2028High-risk AI requirements extend to systems built into products covered by EU safety legislation (machinery, medical devices, etc.).
Who is concerned : Manufacturers of products with AI, AI system providers
AI law and the AI Act → Text : Règlement (UE) 2026/1744 (omnibus numérique) ↗
2 August 2028Services still relying on products put into use before 28 June 2025 must meet the European accessibility requirements.
Who is concerned : Banks, payment services, consumer platforms
Text : Directive (UE) 2019/882 ↗
28 June 2030Most remaining AI Act provisions apply; high-risk system obligations were postponed to 2027 and 2028.
Who is concerned : Providers and deployers of AI systems
AI law and the AI Act → Text : Règlement (UE) 2024/1689 ↗
2 August 2026ESG rating providers active in the EU must be authorised or recognised by ESMA, with independence and transparency rules; existing providers had until 2 August 2026 to notify.
Who is concerned : ESG rating providers, users of ratings
Financial law: AMF and ACPR → Text : Règlement (UE) 2024/3005 ↗
2 July 2026Providers without CASP authorisation can no longer provide crypto-asset services in France.
Who is concerned : Registered PSANs, non-EU providers
CASP licence under MiCA → Text : Règlement (UE) 2023/1114 ↗
1 July 2026The national prospectus exemption threshold rises to €12 million and new rules on disclosing inside information apply to issuers.
Who is concerned : Issuers, funding platforms, intermediaries
Financial law: AMF and ACPR → Text : Règlement (UE) 2024/2809 ↗
5 June 2026New rules on delegation, liquidity management tools and loan-originating funds; reporting and existing funds follow in April 2027.
Who is concerned : AIF and UCITS management companies
AMF authorisations → Text : Directive (UE) 2024/927 ↗
16 April 2026Crypto-asset service providers collect information on their clients and transactions, to be reported to the tax authorities in 2027.
Who is concerned : CASPs and reporting providers
Tax counsel → Text : Directive (UE) 2023/2226 ↗
1 January 2026Providers of general-purpose AI models keep technical documentation, publish a summary of training data and adopt a copyright compliance policy.
Who is concerned : Providers of general-purpose AI models
AI law and the AI Act → Text : Règlement (UE) 2024/1689 ↗
2 August 2025AI practices deemed unacceptable (social scoring, manipulation, certain uses of biometric recognition, etc.) are prohibited and an AI literacy obligation applies.
Who is concerned : Providers and deployers of AI systems
AI law and the AI Act → Text : Règlement (UE) 2024/1689 ↗
2 February 2025ICT risk management, major incident reporting, resilience testing and oversight of ICT third-party service providers.
Who is concerned : EU financial entities and, indirectly, their ICT providers
Financial law: AMF and ACPR → Text : Règlement (UE) 2022/2554 ↗
17 January 2025Every crypto-asset transfer must carry information on the originator and the beneficiary, with no minimum amount.
Who is concerned : CASPs, international platforms
CASP licence under MiCA → Text : Règlement (UE) 2023/1113 ↗
30 December 2024Crypto-asset services require CASP authorisation; reverse solicitation by third-country firms is strictly limited.
Who is concerned : Crypto-asset service providers, non-EU firms
CASP licence under MiCA → Text : Règlement (UE) 2023/1114 ↗
30 December 2024Issuing and offering stablecoins (EMTs and ARTs) to the public requires authorisation and is subject to reserve and redemption rules.
Who is concerned : Stablecoin issuers, credit institutions, EMIs
Crypto-assets and MiCA → Text : Règlement (UE) 2023/1114 ↗
30 June 2024European long-term investment funds get more flexible investment rules and can be distributed more widely to retail investors.
Who is concerned : Fund managers, private equity, distributors
AMF authorisations → Text : Règlement (UE) 2023/606 ↗
10 January 2024General information as of the date of the last update. It does not replace advice on a specific situation. Last updated: 27 October 2026.