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Fintech Compliance — EU Financial Regulation Made Programmable

DORA, PSD2, MiCA, GDPR, NIS2, AI Act — every EU regulation affecting fintech, in one structured compliance platform.

Fintech Compliance & EU Compliance

Fintech companies in the European Union operate under the most comprehensive regulatory framework in the world. DORA imposes ICT risk management requirements on all financial entities. PSD2 mandates open banking APIs and strong customer authentication. MiCA regulates crypto-asset issuance and services. GDPR governs processing of financial personal data. NIS2 covers cybersecurity for financial market infrastructure. The AI Act regulates credit scoring algorithms and automated lending decisions.

Who This Applies To

Fintech startups, neobanks, payment processors, crypto exchanges, lending platforms, wealth management apps, regtech providers, and any technology company providing financial services in the EU.

Compliance Challenges

Fintech Compliance face a unique set of regulatory obligations across multiple EU frameworks. Understanding these challenges is the first step to effective compliance.

  • DORA requires comprehensive ICT risk management, incident reporting, resilience testing, and third-party risk management for all financial entities — covering over 22,000 organisations
  • PSD2 mandates open banking — banks must expose APIs for third-party providers, and all payment services must implement Strong Customer Authentication
  • MiCA creates authorisation requirements for crypto-asset issuers and service providers, with stablecoin provisions already in effect since June 2024
  • GDPR applies to all processing of personal data in financial services — customer onboarding KYC data, transaction records, and credit scoring all involve personal data
  • NIS2 covers financial market infrastructure as an essential entity, imposing cybersecurity obligations with 24-hour incident reporting
  • AI-powered credit scoring, fraud detection, and automated lending decisions may qualify as high-risk AI systems under the AI Act

Applicable Regulations

The following EU regulations apply to fintech compliance. Each imposes specific obligations that must be identified, mapped, and addressed.

DORAPSD2MiCAGDPRNIS2AI Act

Financial Regulation Coverage

Access DORA, PSD2, MiCA, and related financial regulations as structured JSON. Map obligations to your products and services across the full EU regulatory landscape.

Open Banking Compliance

Query PSD2 provisions on account access, SCA, and third-party provider authorisation. Build compliant APIs or integrate as an AISP/PISP with confidence.

Crypto-Asset Regulation

Navigate MiCA's three-category framework for crypto-assets. Understand issuer obligations, CASP authorisation requirements, and stablecoin-specific rules.

Access Regulations via API

GET /v1/frameworks/dora/articles
→ 200 OK · structured JSON · EUR-Lex source
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Frequently Asked Questions

Does DORA apply to my fintech?

DORA applies to 21 categories of financial entities including banks, payment institutions, investment firms, crypto-asset service providers, and more. If your fintech holds any financial licence or provides regulated financial services in the EU, DORA almost certainly applies.

How does PSD2 affect fintech startups?

If you're building a payment initiation service (PISP) or account information service (AISP), PSD2 defines your authorisation requirements, access rules, and SCA obligations. If you're a bank, you must expose compliant APIs. Law4Devs gives you structured access to every relevant PSD2 article.

My fintech uses AI for credit scoring — what applies?

Credit scoring AI systems are classified as high-risk under the AI Act, requiring conformity assessment, data governance, transparency, and human oversight. You must also comply with GDPR for the personal data processing. DORA applies to your ICT systems. Law4Devs maps all overlapping obligations.

Compliance by Design — Build Fintech on Solid Ground

Every EU financial regulation, structured and queryable, in one platform.

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