Regulatory Radar

Upcoming Regulatory Changes

Timeline of regulatory changes affecting payment infrastructure. Scroll the timeline or browse the detailed list below.

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SWIFT CBPR+ structured address mandate

in 70 days (November 14, 2026)

SWIFT mandates structured postal addresses in all CBPR+ ISO 20022 messages. Unstructured address fields will no longer be accepted for cross-border payments. Financial institutions must ensure all counterparty address data is structured. Industry reports suggest ~44% of banks are behind schedule for Nov 2026 deadlines.

2026

2027

2028

2029

2030

NOW

CHIPS ISO 20022 migration complete

Apr 25

IFR interchange cap review

Jul 25

SEPA Instant mandatory for all EU PSPs

Oct 25

SWIFT ISO 20022 mandatory for cross-border

Nov 25

SEPA Instant verification of payee mandatory

Jan 26

RBI mandatory two-factor authentication for all digital payments

Apr 26

Visa USDC settlement expansion

Jun 26

Mastercard Payment Passkeys rollout

Jun 26

Durbin Amendment debit interchange review

Jul 26

GENIUS Act stablecoin regulation implementation

Jul 26

Visa Click to Pay rollout (Europe)

Sep 26

SWIFT CBPR+ structured address mandate

Nov 26

SWIFT CBPR+ SRP case management mandate

Nov 26

PSD3 / PSR expected adoption

Dec 26

FiDA (Financial Data Access) regulation

Dec 26

Digital euro preparation phase

Dec 26

Wero POS / NFC tap-to-pay launch

Dec 26

Visa/MC US merchant interchange class action settlement

Mar 27

UK Open Banking next phase

Jun 27

UK post-Brexit cross-border interchange review

Jun 27

Fedwire extended operating hours

Jun 28

Mastercard 100% e-commerce tokenization target (Europe)

Jan 30

● <30 days● <90 days● >90 days● Past

22 events