Navigate the wave of EU financial regulation coming into force 2025–2027. Nine specialist tools covering EU IPR ISO 20022, PSD3/PSR2 transition, eIDAS2/EUDI wallet, SEPA IPR reporting, AMLA 2027, CRD6 prudential planning, MiFID III/IFR, EU Data Act, and PSD3 SCA transition.
Nine standalone browser tools covering the full wave of EU financial regulation coming into force between 2025 and 2027. Each tool is scoped to a specific regulation with current implementation dates and article-level mapping. All run in your browser with no account required.
Validates structured address fields against EU Instant Payments Regulation (2024/886) ISO 20022 requirements. Checks LEI, postal address, and creditor identifier formats against pacs.008 and pain.001 message schemas.
Open ToolAssesses the impact of PSD3 (COM/2023/366) and PSR2 on PSPs, covering SCA changes, open banking access obligations, liability regime revisions, and licensing transition requirements. Gap analysis by PSP category and service type.
Open ToolGenerates structured annual compliance reports for PSPs under the EU Instant Payments Regulation (2024/886). Covers Regulation 9 PSP obligations, instant payment reach, rejection rate monitoring, and sanctions screening report structure.
Open ToolCompares current PSD2 SCA implementation against PSD3 requirements with gap analysis and exemption impact assessment. Covers dynamic linking changes, authentication element revisions, liability shift rules, and mobile device binding requirements.
Open ToolScores readiness for accepting EUDI Wallet credentials as a relying party under eIDAS2 (EU) 2024/1183. Covers Article 5a–5c wallet acceptance obligations, attribute attestation integration, and selective disclosure protocol readiness.
Open ToolMaps EU Data Act (Regulation 2023/2854, applicable Sep 2025) obligations across financial services data sharing, cloud switching requirements, and connected product data access. Identifies in-scope data holders, portability rights, and contract terms obligations.
Open ToolGaps AML programmes against the new EU Anti-Money Laundering Authority (AMLA) requirements (Regulation EU 2024/1620) effective 2027. Covers AMLA direct supervision scope, harmonised CDD standards, 6AMLD obligations, and national competent authority transition.
Open ToolBuilds structured transition plans for banks navigating CRD6/CRR3 prudential requirements (applicable January 2026). Covers Basel IV standardised approach, IRB output floor, credit risk framework, and own funds reporting changes under Regulation (EU) 2024/1623.
Open ToolCalculates IFR K-factor capital requirements (K-AUM, K-CMH, K-ASA, K-COH, K-NPR, K-CMG, K-TCD, K-DTF, K-CON) and assesses MiFID III reform impact by firm class. Covers Articles 15–30 of Regulation (EU) 2019/2033 with proposed MiFID III amendments.
Open Toolv1.0 · June 2026 · 9 tools · Category 30 · EU Regulatory Pipeline 2025–2027
Run this nine-step triage sequence to assess your organisation's exposure and readiness across the full EU regulatory pipeline in priority order of in-force dates.
Start with T414 to compare your PSD2 SCA implementation against PSD3 requirements — SCA changes affect all PSPs from go-live.
Run T342 to validate structured address fields in your ISO 20022 messages against EU Instant Payments Regulation requirements.
Use T349 to generate a structured SEPA IPR annual compliance report — required for all PSPs subject to EU IPR 2024/886.
Use T348 to score your readiness as a relying party for EUDI Wallet credential acceptance — obligation applies from 2024/1183 implementation dates.
Run T413 to map EU Data Act 2023/2854 obligations across your financial services data sharing and cloud switching arrangements before September 2025 application date.
If you operate as an investment firm, use T412 to calculate IFR K-factor capital requirements and assess MiFID III reform impact by firm class.
Use T350 to gap your AML programme against AMLA (EU) 2024/1620 requirements effective 2027 — early remediation is essential given scope of harmonisation.
Banks should use T352 to build a structured CRD6/CRR3 transition plan for January 2026 application — Basel IV output floor and IRB changes require early modelling.
Complete the cycle with T343 to assess the full PSD3/PSR2 transition impact across all PSP categories, licensing, SCA, and open banking access obligations.
Triage the 2025–2027 EU pipeline across PSD3, AMLA, CRD6, EU Data Act, eIDAS2, and MiFID III in a structured programme of work with clear article-level mapping.
Generate board-ready gap analyses and transition plans for CRD6 prudential requirements, AMLA harmonisation, and PSD3 SCA transition ahead of in-force dates.
Map EU Data Act obligations, eIDAS2 relying party requirements, and AMLA 6AMLD harmonisation to your existing contractual and compliance frameworks.
Model CRD6/CRR3 Basel IV output floor, IRB changes, and own funds reporting requirements. Calculate IFR K-factor capital requirements for investment firm classification.
Navigate EU IPR ISO 20022 address validation, PSD3 SCA changes, SEPA IPR annual reporting obligations, and eIDAS2 wallet integration requirements.
Tools in this hub cover the following EU regulations and directives. Verify in-force dates and national transposition timelines with qualified legal counsel. Proposed instruments remain subject to amendment.
EU IPR 2024/886 (instant payments), PSD3 COM/2023/366, PSR2, CRD6 2024/1623 (Jan 2026), and SEPA IPR annual reporting obligations under ECB oversight.
eIDAS2 (EU) 2024/1183 — EUDI Wallet relying party obligations. EU Data Act 2023/2854 — applicable September 2025. Connected product data, cloud switching, and B2B data sharing.
AMLA Regulation (EU) 2024/1620 — new Anti-Money Laundering Authority with direct supervision from 2027. 6AMLD harmonised CDD standards, UBO registers, and high-risk third country obligations.
IFR/IFD 2019/2033 — K-factor capital requirements by firm class. MiFID III reform proposals covering investor protection, research unbundling, and algorithmic trading. Best execution under MiFIR 2.0.
Start with T414 PSD3 SCA Transition Checker and T342 EU IPR Address Validator to assess payments regulatory exposure — these are the most time-sensitive obligations for PSPs.
Run T413 EU Data Act Scope Mapper before September 2025 application. Score EUDI Wallet readiness with T348 eIDAS2 Readiness Scorer.
Banks use T352 CRD6 Transition Plan Builder for January 2026 Basel IV readiness. All regulated firms run T350 AMLA 2027 Gap Analyzer for 2027 AMLA preparation.
Investment firms use T412 MiFID III/IFR Assessor for K-factor capital requirements. Complete the programme with T343 PSD3/PSR2 Impact Assessor for a holistic PSP transition view.
All 9 tools expose structured outputs compatible with the AINumbers MCP manifest.
| Tool ID | MCP Name | Input Schema | Output |
|---|---|---|---|
| T342 | validate_eu_ipr_iso20022_address | address_fields{}, message_type, psp_type | validation_result, field_errors[], iso20022_conformance_score |
| T343 | assess_psd3_psr2_transition_impact | psp_profile{}, current_sca_method, service_types[] | impact_assessment{}, gap_matrix{}, licensing_changes[] |
| T348 | score_eidas2_wallet_readiness | relying_party_profile{}, current_identity_methods[], use_cases[] | readiness_score, gap_table{}, integration_requirements[] |
| T349 | build_sepa_ipr_annual_report | psp_data{}, reporting_period, reach_metrics{}, rejection_rates{} | report_structure{}, compliance_statements[], regulatory_tables{} |
| T350 | analyze_amla_2027_readiness_gaps | aml_programme{}, entity_type, supervised_by | readiness_score, gap_matrix{}, remediation_roadmap[] |
| T352 | build_crd6_prudential_transition_plan | bank_profile{}, current_capital_approaches{}, portfolio_data{} | transition_plan{}, capital_impact_estimate{}, implementation_milestones[] |
| T412 | assess_mifid3_ifr_impact | firm_class, k_factor_inputs{}, aum, client_assets_held | k_factor_requirements{}, own_funds_requirement, mifid3_impact_summary{} |
| T413 | map_eu_data_act_financial_scope | organisation_type, data_products[], cloud_providers[], connected_products[] | in_scope_obligations{}, data_sharing_rights[], switching_requirements[] |
| T414 | check_psd3_sca_transition | current_sca_implementation{}, psp_type, transaction_types[] | gap_analysis{}, exemption_impact{}, remediation_steps[] |