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Cybersecurity Asia: Facing the threats – receive our new India feature

Responsible Business Update | February 2020

Regulatory and compliance

The tone from the top | Responsible business initiatives from Davos set the policy agenda

Regulatory and compliance

Sustainability Linked Loans on the rise in 2020

Regulatory and compliance

Streamlined Energy and Carbon Reporting: a step-change in environmental transparency requirements for large businesses

Energy and Utilities

Tech, Media and Comms

What’s shaping the agenda for the interactive entertainment industry in 2020?

2020 is shaping up to be a year of intense change and competition in the interactive entertainment industry – the streaming and subscription services that are coming online are trying…

Published on 5 Feb 2020

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Workforce Solutions

HMRC issues draft IR35 guidance clarifying some key points

On 7 February 2020, HMRC issued draft guidance relating to the proposed new UK IR35 regime, in the form of updated sections of its Employment Status Manual (ESM). The main…

Published on 10 Feb 2020

Read time 2m

Tax

What tax measures are in store for businesses in the Budget 2020?

Budget 2020 will take place on 11 March 2020. With this being the first Budget in nearly a decade to be presented by a government with a large majority, we…

Published on 4 Feb 2020

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UK Latest articles

Intellectual property

IP after Brexit: consequences and checklists

Brexit has consequences for intellectual property in the UK. Our Insight draws together some of the headline issues alongside actions to consider during the transition period and beyond.

Published on 21 Feb 2020

Read time 4m

Tech, Media and Comms

European Commission’s AI White Paper: a new framework for liability issues

Published on 20 Feb 2020

Read time 9m

Dispute resolution

Coronavirus: force majeure, supply chains and contractual performance

Published on 17 Feb 2020

Read time 3m

Real Estate and Infrastructure

Podcast | Lawyers for International Coliving Expansion | Jonathan Mills & Tim Rezendes

Published on 17 Feb 2020

Read time 1m

Smart Cities: today’s reality

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Connected Consumer

From crowd-funding and data commercialisation to digital health and the sharing economy, we profile the latest thinking in consumer trends online.

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GDPR

IT and data

ICO signals its intentions on cyber security: large companies need to lead by example

The ICO has issued DSG Retail Limited, the owner of Currys PC World and Dixons Travel stores, with a sizeable fine under pre-GDPR legislation. The ICO's decision is a must-read…

Published on 17 Jan 2020

Read time 7m
IT and data

The e-Privacy Regulation: latest delays leave important questions unanswered

The most recent text of the proposed Regulation on Privacy and Electronic Communications (the e-Privacy Regulation) – which was due to replace the e-Privacy Directive 2002/58/EC – was rejected by…

Published on 3 Dec 2019

Read time 2m
Workforce Solutions

What are the key Digital Transformation issues for Recruitment and Workforce Solutions companies?

Digitalisation is affecting companies that provide workforce solutions, including recruitment services, more than ever before. Shareholder value and business survival will increasingly be affected by the actions businesses take in…

Published on 26 Sep 2019

Read time 3m
Brexit

Data protection and privacy: are you Brexit-ready for any outcome?

Profound business uncertainty has surrounded data protection since the UK voted in favour of leaving the EU more than three years ago. The basis on which the UK will leave…

Published on 5 Sep 2019

Read time 12m
Retail and Consumer

Doing retail in Europe | Some recent legal challenges in the market

The retail industry is subject to constant change. Rapidly increasing customer demands, changes in production, supply chains, product placement and distribution channels as well as the pressure of worldwide competitors…

Published on 30 Aug 2019

Read time 9m
GDPR

Learning from the British Airways and Marriott International fines: What organisational measures should companies be implementing?

This article was first published on ITPro: Learning from the British Airways and Marriott International fines: Part 2 The first part of this article detailed the baseline technical measures that…

Published on 29 Aug 2019

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GDPR

Learning from the British Airways and Marriott International fines: What does the GDPR standard of “Appropriate Technical and Organisational Measures” actually mean?

This article was first published on ITPro: Learning from the British Airways and Marriott International fines: Part 1 In July, the sea-change in data protection enforcement became abundantly clear when,…

Published on 29 Aug 2019

Read time 7m
IT and data

Privacy, piracy and protectionist agendas | Barriers to enabling digital trade in a 4.0 world

Industrial revolution has always gone hand-in-hand with international trade, and the barriers that can create. So, it is no surprise that industry 4.0 is opening up new battlegrounds in the…

Published on 28 Aug 2019

Read time 3m
GDPR

GDPR one year on | What have we learned and what’s next for data protection?

At a recent series of events, we shared learnings from the UK and beyond, one year on from the implementation of the GDPR.

Published on 15 Jul 2019

Read time 4m
IT and data

Another day, another huge fine: Marriott International announces ICO’s intent to fine it £99.3m for data breach

The ICO's announcement yesterday (9 July 2019) that it intends to fine Marriott International £99.3m will send shock waves to boards across Europe. It comes only a day after the…

Published on 10 Jul 2019

Read time 5m
IT and data

British Airways facing fine of £183.39m as ICO plans to issue its first GDPR monetary penalty

The ICO's announcement today (8 July 2019) that it plans to fine British Airways £183.39m in relation to its high profile data breach has sent a very clear message that…

Published on 8 Jul 2019

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GDPR

GDPR nine months on | What should you be thinking about now?

The UK Information Commissioner, Elizabeth Denham, has been vocal about the fact that GDPR compliance is not a moment in time event, but requires ongoing commitment. In her own words,…

Published on 25 Feb 2019

Read time 5m

Why Blockchain matters to your business

Blockchain

Workforce Solutions

What are the key Digital Transformation issues for Recruitment and Workforce Solutions companies?

Digitalisation is affecting companies that provide workforce solutions, including recruitment services, more than ever before. Shareholder value and business survival will increasingly be affected by the actions businesses take in…

Published on 26 Sep 2019

Read time 3m
Tech, Media and Comms

Legal status of cryptoassets, distributed ledger technology and smart contracts| Consultation on what needs clarifying

The LawTech Delivery Panel's UK Jurisdiction Taskforce (UKJT) has launched a public consultation to help shape its work on the status of cryptoassets, distributed ledger technology (DLT) and smart contracts…

Published on 29 May 2019

Read time 3m
Financial Services

FCA consultation on Cryptoassets brings welcome clarity on extent of regulatory perimeter

On 23 January 2019, the FCA published a consultation on Guidance on Cryptoassets (CP19/3). The consultation ran for 10 weeks and the FCA intends to publish feedback and the final…

Published on 16 May 2019

Read time 5m
Financial Services

What will MLD5 mean for the regulation of Cryptoassets?

In April 2019, the UK government opened its consultation on transposing the Fifth Money Laundering Directive (MLD5) into national law by the 10 January 2020 deadline for transposition. MLD5 changes…

Published on 16 May 2019

Read time 6m
Blockchain

Will blockchain drive the evolution of cognitive supply chains?

Cognitive supply chains could help solve some of the challenges facing traditional supply chains: lack of transparency and uniformity; inability easily to track, monitor and investigate illegal or unethical practices;…

Published on 13 May 2019

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Blockchain

Law Commission hits pause on smart contracts project, making way for LawTech Delivery Panel

The Law Society's LawTech Delivery Panel will be taking the lead role in investigating the role and regulation of smart contracts under English Law.

Published on 1 Apr 2019

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Blockchain

Why blockchain matters to your business | Insights into the growth of private blockchains

Moving past the hype and headlines It doesn’t take much effort to find headlines reporting either hype or scare stories in the world of blockchain. It is much rarer to…

Published on 15 Mar 2019

Read time 5m
Blockchain

Blockchain and GDPR: beyond the right to be forgotten

In September 2018, the French data protection authority (CNIL) issued a report considering Blockchain technology from a personal data protection perspective. Although not binding guidance, the report represents one of…

Published on 26 Nov 2018

Read time 5m
Tax

Taxation of cryptocurrencies in Europe: an overview

What is cryptocurrency? The term "cryptocurrency" emerged as a reference to a Bitcoin-style digital currency whose ownership (at issue and following any subsequent transfers) is recorded as a chain of…

Published on 17 Sep 2018

Read time 9m
Blockchain

The Digital Revolution: Blockchain – the legal issues

Blockchain is already presenting new opportunities for businesses in a range of sectors - but how will it be regulated?

Published on 13 Sep 2018

Read time 1m
Blockchain

The Digital Revolution: How blockchain works

Blockchain is emerging as a candidate for one of the major disruptive technologies of our time – but what is it exactly, and how does it work in practice?

Published on 22 Aug 2018

Read time 1m
Financial Services

The other side of the (bit)coin: the prudential treatment of crypto-assets

Much has been written on the topic of crypto-asset regulation from an issuer / intermediary perspective - is the crypto asset a specified (i.e. regulated) investment? Does the token constitute…

Published on 25 Jul 2018

Read time 3m

Navigate the landscape of UK business regulation

Regulatory Outlook

Regulatory Outlook

Regulatory Outlook | Health and Safety | July 2019

Current issues HSE publishes fatal injury statistics The HSE has published its annual figures, which show that there were 147 deaths at work in 2018/19 (as reported under the RIDDOR…

Published on 18 Jul 2019

Read time 5m
Regulatory Outlook

Regulatory Outlook | Food Law | July 2019

Current issues New allergen labelling law The government has announced that it is planning to introduce new allergen labelling legislation in summer 2019, with businesses being expected to implement the…

Published on 17 Jul 2019

Read time 5m
Regulatory Outlook

Regulatory Outlook | Export Control | July 2019

Current issues UK government acted unlawfully in relation to the sale of arms to Saudi Arabia On 20 June 2019, the Court of Appeal, overturning an earlier High Court decision,…

Published on 17 Jul 2019

Read time 5m
Regulatory Outlook

Regulatory Outlook | Environment | July 2019

Current issues Government revises climate target On 12 June 2019, following the advice of the Committee on Climate Change, the UK government created secondary legislation which revises the greenhouse gas…

Published on 17 Jul 2019

Read time 4m
Regulatory Outlook

Regulatory Outlook | Employment & Contingent Workforce | July 2019

Current issues Preparing for IR35 reforms HMRC have published draft legislation fort the 2020 off-payroll IR35 tax reforms. The proposed regime is largely modelled on those introduced already into the…

Published on 17 Jul 2019

Read time 7m
Regulatory Outlook

Regulatory Outlook | Data Protection & Cyber Security | July 2019

Current issues E-Privacy regulations As anticipated, the e-Privacy Regulation did not get over the line before the end of the last term of the European Parliament. However, the new Finnish…

Published on 17 Jul 2019

Read time 7m
Regulatory Outlook

Regulatory Outlook | Consumer Finance | July 2019

Current issues FCA willingness to take action to remedy price discrimination The FCA has significant resources, including teams of economists and regulatory strategists. It published a business plan each year,…

Published on 17 Jul 2019

Read time 4m
Regulatory Outlook

Regulatory Outlook | Competition | July 2019

Current issues Advanced tech, defence and critical infrastructure sectors targeted by foreign direct investment screening programmes in the USA and Europe Governmental controls on M&A and investments on national security…

Published on 17 Jul 2019

Read time 4m
Regulatory Outlook

Regulatory Outlook | Anti-bribery, Corruption and Financial Crime | July 2019

Current issues SFO enforcement: direction of travel The SFO has been under the directorship of Lisa Osofsky for nearly a year. She has a US law enforcement background, having previously…

Published on 17 Jul 2019

Read time 5m
Regulatory Outlook

Regulatory Outlook | Advertising & Marketing | July 2019

Current issues CMA to investigate online advertising The CMA has announced that it will launch an investigation into online advertising. This is in response to an official request by the…

Published on 17 Jul 2019

Read time 4m
Regulatory Outlook

Regulatory Outlook | How is digital transformation affecting the regulatory landscape? | July 2019

Osborne Clarke's Regulatory Outlook is intended to help your business to navigate a regulatory landscape increasingly influenced by the rapid developments in technology. As the Information Commissioner's Office has starkly…

Published on 17 Jul 2019

Read time 2m
Regulatory Outlook

Regulatory Outlook | February 2019 | What would a ‘no deal’ Brexit mean for UK business regulation?

With less than two months until the UK leaves the EU, a 'no deal' Brexit still remains the default outcome.

Published on 10 Feb 2019

Read time 3m

Brexit: challenges and opportunities

Brexit

Intellectual property

IP after Brexit: consequences and checklists

Brexit has consequences for intellectual property in the UK. Our Insight draws together some of the headline issues alongside actions to consider during the transition period and beyond.

Published on 21 Feb 2020

Read time 4m
Employment and pensions

ePassport gates: genius idea or recipe for disaster?

What are ePassport gates? These are electronic gates that use technology to authenticate the biometric passport and also facial recognition technology to compare an individual's face to the digital image…

Published on 6 Feb 2020

Read time 4m
Employment and pensions

Ready for 2021 and beyond?

As the UK departed the European Union on 31 January 2020, the remaining months of this year will be a transition period with current EU law and free movement remaining…

Published on 6 Feb 2020

Read time 2m
Brexit

The UK exits: 20 quick things you should know

1. What changes on 31 January? The United Kingdom leaves the European Union at 11.00 p.m. London time on Friday 31 January 2020. It ceases to be a Member State…

Published on 28 Jan 2020

Read time 3m
Brexit

Brexit Business Brief | The UK exits: 20 quick things you should know

Welcome to Brexit Business Brief, our regular newsletter looking at Brexit developments in a legal and business context.

Published on 27 Jan 2020

Read time 3m
Brexit

Brexit Business Brief | Exit, and a timeline for the negotiations

Welcome to Brexit Business Brief, our regular newsletter looking at Brexit developments in a legal and business context.

Published on 16 Jan 2020

Read time 3m
Brexit

Timeline for Brexit 2020

To receive insights like this by email please register your interest in receiving Brexit Insights. Find out how we can help you prepare for Brexit Timeline for Brexit 2020 7…

Published on 15 Jan 2020

Read time 2m
Brexit

Brexit Business Brief | What happens now

The UK is set to leave the EU on 31 January 2020 With the Conservative Party now in a substantial majority in the House of Commons, it appears inevitable that…

Published on 13 Dec 2019

Read time 3m
Brexit

Ready for Brexit? Preparing for the impact of Brexit on EU citizens’ rights

To recap, a Withdrawal Agreement has been agreed in principle with the EU, and the European Council has agreed to extend the Article 50 period to 31 January 2020, although…

Published on 5 Nov 2019

Read time 3m
Brexit

Brexit Business Brief | Everything is possible

Welcome to Brexit Business Brief, our regular newsletter looking at Brexit developments in a legal and business context. You're receiving this newsletter because you've subscribed for Brexit Insights from Osborne…

Published on 31 Oct 2019

Read time 4m
Dispute resolution

Enforcing judgments in the event of a no deal Brexit

With the prospect remaining of the UK leaving the EU without a deal, and businesses facing disruption as a result, it is important to be prepared for any contractual disputes…

Published on 23 Oct 2019

Read time 2m
Brexit

Brexit Business Brief | UK government’s latest, comprehensive ‘no deal’ guidance

Welcome to Brexit Business Brief, our regular newsletter looking at Brexit developments in a legal and business context. You're receiving this newsletter because you've subscribed for Brexit Insights from Osborne…

Published on 8 Oct 2019

Read time 1m

Digital Single Market

Tech, Media and Comms

Legal status of cryptoassets, distributed ledger technology and smart contracts| Consultation on what needs clarifying

The LawTech Delivery Panel's UK Jurisdiction Taskforce (UKJT) has launched a public consultation to help shape its work on the status of cryptoassets, distributed ledger technology (DLT) and smart contracts…

Published on 29 May 2019

Read time 3m
Digital Single Market

New Copyright Directive published: how will it change the EU’s copyright framework?

The new Copyright in the digital single market directive has been officially published, meaning that it will come into force on 7 June 2019. However, Member States have until 7…

Published on 20 May 2019

Read time 5m
Digital Single Market

The Copyright in the Digital Single Market Directive: text agreed in trialogue discussions

The long and tortuous passage of the Copyright in the Digital Single Market Directive may finally be coming to an end with an agreement reached between the European Commission, Parliament…

Published on 11 Mar 2019

Read time 3m
IT and data

New Deal for Consumers: European Data Protection Supervisor concerned reforms could undermine GDPR

In an Opinion published on 5 October 2018, the European Data Protection Supervisor has raised concerns and made some significant recommendations on one of the key planks of the EU's…

Published on 7 Nov 2018

Read time 3m
Intellectual property

Proposed copyright Directive: European Parliament adopts its position

On 12 September 2018, the European Parliament adopted the final draft text of the EU’s copyright Directive, as part of the European Commission’s Digital Single Market strategy.

Published on 24 Sep 2018

Read time 6m
Digital Single Market

Controversial copyright reform approved by the European Parliament

The European Parliament has today (12 September 2018) voted to approve reforms to the EU's copyright rules as part of the Commission's Digital Single Market initiative.

Published on 12 Sep 2018

Read time 1m
Digital Single Market

European Parliament votes down controversial copyright reform – for now

The European Parliament voted yesterday (5 July 2018) to reject the draft revised Copyright Directive, which as we reported, had been recently adopted (by a narrow margin) by the EU…

Published on 6 Jul 2018

Read time 2m
Digital Single Market

Copyright Directive: EU parliamentary committee votes through controversial reform

On 20 June 2018, the EU Parliament Committee on Legal Affairs (JURI) voted (by a tight margin) to adopt an amended version of the proposed EU Directive on Copyright in…

Published on 22 Jun 2018

Read time 2m
Tech, Media and Comms

New regulations to ensure online platforms and search engines deal fairly with other businesses

The European Commission has announced the first piece of cross platform regulation which aims to ensure that online platforms and search engines deal fairly with other businesses. Context The European…

Published on 23 May 2018

Read time 3m
Digital Single Market

Private copy levy system: how do recent developments in Spain compare with other EU jurisdictions?

In a judgment given on 10 November 2016, the Spanish Supreme Court annulled the existing private copy levy system which replaced the previous “fee” system on all suitable devices. We…

Published on 9 Mar 2017

Read time 8m
Digital Single Market

Agreement reached on EU portability regulation

What’s happened? After 14 months of negotiation, the European Parliament, Council and the Commission have finally reached agreement on the portability regulation. This will require providers of online content services,…

Published on 8 Feb 2017

Read time 2m
The cross-border portability of online content: progress report on the EU draft Portability Regulation

The European Commission published its draft Regulation on the cross-border portability of online content back in December 2015 (see here for our comments on the draft regulation at the time). It…

Published on 29 Nov 2016

Read time 4m

PSC Register

Business transparency

Public beneficial ownership registers coming to Caymans, BVI and Bermuda

British Overseas Territories (BOTs) will have to create public beneficial ownership registers for companies registered in their jurisdiction by 31 December 2020. BOTs are being mandated to introduce public beneficial…

Published on 3 May 2018

Read time 2m
Corporate

Latest details about beneficial ownership register for non-UK entities holding UK real estate and public procurement contracts

The UK government has set out its thinking on how the forthcoming beneficial ownership register for overseas entities holding UK real estate and public procurement contracts will work ahead of…

Published on 26 Mar 2018

Read time 3m
Business transparency

New UK law to create ‘world’s first’ public register of overseas property owners and public contract bids

The UK government has set out a timetable for a new law which will require overseas entities that own UK property or bid for UK public procurement contracts to disclose…

Published on 23 Jan 2018

Read time 1m
Business transparency

Beneficial owners of UK property and bidders for UK public procurement contracts to be disclosed under laws planned for 2018

Entities that hold UK property or enter into UK public procurement contracts will have to register their beneficial ownership information in a public register under government plans. Legislation is scheduled…

Published on 13 Dec 2017

Read time 2m
Business transparency

Extension of PSC register: UK AIM companies are now in scope

UK AIM companies are now within scope of the persons with significant control (PSC) register regime, as a result of changes which came into force on 26 June 2017. Changes…

Published on 30 Jun 2017

Read time 4m
Business transparency

Extension of PSC register: what do funds with Scottish LPs in their structure need to know?

Scottish limited partnerships (Scottish LPs) are now within scope of the persons with significant control (PSC) register regime, as a result of changes which came into force on 26 June…

Published on 30 Jun 2017

Read time 3m
Business transparency

PSC register changes came into force this week

Changes to the register of people with significant control (PSC) regime came into force on 26 June 2017. The changes were expected for some time, but not confirmed until late…

Published on 30 Jun 2017

Read time 1m
Business transparency

Changes to the PSC register regime coming in June 2017

Companies House has published some details about the changes to the “people with significant control” (PSC) register regime due to take effect on 26 June 2017. The changes are being…

Published on 6 Jun 2017

Read time 3m
Business transparency

PSC register data under the spotlight

The UK’s people with significant control register – a register which records the beneficial owners of UK companies and limited liability partnerships – has been public since June 2016. So…

Published on 28 Apr 2017

Read time 2m
Business transparency

UK beneficial ownership register for trusts confirmed for Summer 2017 | Q&A

The UK government has confirmed that a beneficial ownership register for trusts will operate from Summer 2017. The register is being created as part of the UK’s implementation of the…

Published on 6 Apr 2017

Read time 3m
Business transparency

UK government plans beneficial ownership register for trusts

The UK government has published a consultation on the introduction of a beneficial ownership register for trusts administered in the UK and non-resident trusts with a UK source income. The…

Published on 4 Nov 2016

Read time 1m
Business transparency

Changes to the PSC register regime, including an extension to Scottish limited partnerships and possibly to AIM companies

The UK government has today published a consultation on proposed changes to the “people with significant control” (PSC) register regime which are necessary to implement the 4th Money Laundering Directive…

Published on 4 Nov 2016

Read time 3m

PSD2

Retail and Consumer

Consumer Update | October 2019

Welcome to the latest edition of Osborne Clarke's Consumer Update. This Update takes a bite-sized and practical look at recent legal and regulatory developments in consumer law.

Published on 22 Oct 2019

Read time 7m
Financial Services

The impact of CBPR2 on the payment industry | The equality of charges principle

On 19 March 2019, the European Parliament and Council adopted Regulation 2019/518 amending Regulation 924/2009 (the Current Regulation) as regards certain charges on cross-border payments in the Union and currency…

Published on 19 Jun 2019

Read time 4m
Financial Services

A managed rollout for SCA in the cards sector

UK Finance has been working extensively with the cards industry and retail sector to understand operational readiness for the introduction of strong customer authentication (SCA) in September 2019. As a…

Published on 19 Jun 2019

Read time 3m
Financial Services

Funds Legal Update | 29 April 2019

Welcome to our Funds Legal Update.

Published on 29 Apr 2019

Read time 3m
Financial Services

Brexit | What would be the impact on UK firms seeking to implement SCA-RTS?

Since early 2018, firms subject to the revised Payment Services Directive (PSD2) have been preparing for new European regulatory technical standards for strong customer authentication and for common and secure…

Published on 4 Feb 2019

Read time 4m
Financial Services

No deal Brexit | How will the UK Temporary Permissions Regime for the financial services sector work?

At the point that the UK leaves the EU, in a no deal scenario, it will become a "third country" to the EU. This means that any incoming EEA firm…

Published on 4 Feb 2019

Read time 7m
Financial Services

New FCA proposals on the approach to RTS and EBA Guidelines under PSD2

As we await the final rules and guidance from the FCA following its consultation through CP18/25 (the consultation period on which closed on 12 October 2018), we take the opportunity…

Published on 7 Nov 2018

Read time 6m
Financial Services

Proposed Perimeter Guidance changes under PSD2

In amongst the FCA's CP18/25 on the SCA-RTS are a trio of small but important changes to the FCA's perimeter guidance (PERG) relating to AISPs and PISPs working with third…

Published on 7 Nov 2018

Read time 3m
Regulatory and compliance

UK Regulatory Update | September 2018

UK Regulatory Update | September 2018 Welcome to the latest edition of our Regulatory Update. In this edition, we return to one of the most talked about, and most widely…

Published on 28 Sep 2018

Read time 15m
Brexit

Implications of Brexit for payments

Is any new EU legislation expected to come into force and effect before the end of the transition period? Certain of the RTS on SCA will come into effect before…

Published on 13 Aug 2018

Read time 3m
PSD2

PSD2 authorisation and registration – clarity at the EU and UK level?

Hot on the heels of the EBA publishing its final report setting out guidelines on the information to be provided by applicants intending to obtain authorisation as a payment institution…

Published on 13 Jul 2017

Read time 5m
PSD2: FCA consults on approach to monitoring and enforcing Payment Services Regulations 2017

On 13 April 2017, the FCA published its consultation paper on the implementation of PSD2. The paper proposes a revised Approach Document which will set out the FCA’s approach to…

Published on 18 Apr 2017

Read time 3m

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Smart Cities: today’s reality

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Why Blockchain matters to your business

Blockchain

Navigate the landscape of UK business regulation

Regulatory Outlook

Brexit: challenges and opportunities

Brexit

Digital Single Market

PSC Register

PSD2