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Reasons across the live EU rulebook and your own policies, KYB data, UBOs, and integrations.
Explore Copilot →Regulators
Every European financial regulator, on one map.
Hover to open any of the EU, EEA, UK, and Swiss financial regulators that matter. Filter by framework to see exactly who supervises you, then go deeper with the coverage matrix.
Authorities
Compare EU, EEA, UK and Swiss financial regulators
Filter by framework to see exactly one competent authority per country. Switch to By-country sort to group each jurisdiction's authorities under a single header linking to its country hub.
Financial Market Authority Liechtenstein, FMA Liechtenstein
Integrated Supervisor- Staff
- 130 employees
- Budget
- CHF 30.2m (~€32.5m) FY2025
- Supervised
- 254 11 banks + 30 insurers + 89 AMCs + 3 EMIs + 1 PI + 89 investment firms /AMCs / other regulated firms
- Approval time
- Success rate
- Responsiveness
Bank of Latvia, Latvijas Banka
Central Bank & Supervisor- Staff
- 539 employees · whole institution
- Budget
- €34.7m net operating expenses · whole institution
- Supervised
- 257 financial market participants (Annual Report 2025)
- Approval time
- Success rate
- Responsiveness
Cyprus Securities and Exchange Commission, CySEC
Specialised Supervisor- Staff
- 193 employees, as of 2024 (latest published AR)
- Budget
- €17.5m FY2025 budget (not actuals)
- Supervised
- 808 supervised entities
- Approval time
- Success rate
- Responsiveness
Malta Financial Services Authority, MFSA
Integrated Supervisor- Staff
- 575 headcount
- Budget
- €48.9m operating expenses
- Supervised
- 2,413 authorised entities
- Approval time
- Success rate
- Responsiveness
Bundesanstalt für Finanzdienstleistungsaufsicht, BaFin
Integrated Supervisor- Staff
- 3,084
- Budget
- €514.7M actual expenditure
- Supervised
- 2,415 institutions
- Approval time
- Success rate
- Responsiveness
Financial Conduct Authority, FCA
Integrated Supervisor- Staff
- 5,510 group headcount
- Budget
- £783.5M (~€901M) ~€901M
- Supervised
- See profile
- Approval time
- Success rate
- Responsiveness
Autorité des Marchés Financiers, AMF
Specialised Supervisor- Staff
- 529 avg FTE worked
- Budget
- €130M
- Supervised
- 13,659 collective investment schemes
- Approval time
- Success rate
- Responsiveness
Bank of Lithuania, Lietuvos bankas
Central Bank & Supervisor- Staff
- ~700 headcount · whole institution
- Budget
- €69.44m core OPEX · self-funded (not state-funded)
- Supervised
- 900+ financial market participants
- Approval time
- Success rate
- Responsiveness
De Nederlandsche Bank, DNB
Central Bank & Supervisor- Staff
- ~2,200
- Budget
- €571.3m actual cost of core tasks (whole institution)
- Supervised
- See profile
- Approval time
- Success rate
- Responsiveness
Employee counts, budgets, and supervised-entity numbers are drawn from each authority's most recent published annual report; values marked with a tilde (~) are rounded estimates. The Activity Index is ComplyBridge's proprietary, indicative composite measure of regulatory activity (see methodology). It is descriptive, not a quality judgment or a recommendation.
Authorities marked “Index pending” are not yet scored: published data is not currently sufficient. They are marked accordingly rather than estimated.
Last updated: 3 August 2026
Beyond Europe
US financial regulators: FinCEN and NYDFS
There is no passport in the US. Money transmission is licensed state by state, coordinated through NMLS and the CSBS multistate process, with FinCEN holding the federal MSB registration and BSA/AML layer on top. We track the two anchors every transatlantic firm meets first.
Who regulates what, where
Competent authority by country and framework
The coverage matrix maps the competent authority for every European jurisdiction across five frameworks: banking (CRD/CRR), payments and e-money (PSD2 / EMD), investment firms (MiFID II), crypto-asset services (MiCA), and AML/CFT supervision (AMLD5/6, AMLR). Click any cell to open the authority's profile. Where a country splits authorisation between two bodies (France, the Netherlands, Italy, the UK), the cell tags the split with L / P / C for licensing / prudential / conduct.
| Country | BankingCRD/CRR | PaymentsPSD2 / EMD | InvestmentMiFID II | CryptoMiCA | AMLAMLD5/6, AMLR |
|---|---|---|---|---|---|
| 🇦🇹Austria | FMA+ ECB | ||||
| 🇧🇪Belgium | NBB+ ECB | ||||
| 🇧🇬Bulgaria | BNB+ ECB | ||||
| 🇭🇷Croatia | HNB+ ECB | ||||
| 🇨🇾Cyprus | CBC+ ECB | ||||
| 🇨🇿Czechia | |||||
| 🇩🇰Denmark | |||||
| 🇪🇪Estonia | Finantsinspektsioon+ ECB | ||||
| 🇫🇮Finland | FIN-FSA+ ECB | ||||
| 🇫🇷France | ACPR+ ECB | ||||
| 🇩🇪Germany | BaFin+ ECB | ||||
| 🇬🇷Greece | Bank of Greece+ ECB | ||||
| 🇭🇺Hungary | |||||
| 🇮🇪Ireland | CBI+ ECB | ||||
| 🇮🇹Italy | BdI+ ECB | ||||
| 🇱🇻Latvia | Latvijas Banka+ ECB | ||||
| 🇱🇹Lithuania | Lietuvos bankas+ ECB | ||||
| 🇱🇺Luxembourg | CSSF+ ECB | ||||
| 🇲🇹Malta | MFSA+ ECB | ||||
| 🇳🇱Netherlands | DNB+ ECB | ||||
| 🇵🇱Poland | |||||
| 🇵🇹Portugal | Banco de Portugal+ ECB | ||||
| 🇷🇴Romania | |||||
| 🇸🇰Slovakia | NBS+ ECB | ||||
| 🇸🇮Slovenia | Banka Slovenije+ ECB | ||||
| 🇪🇸Spain | Banco de España+ ECB | ||||
| 🇸🇪Sweden | |||||
| 🇱🇮Liechtenstein | |||||
| 🇳🇴Norway | |||||
| 🇮🇸Iceland | |||||
| 🇨🇭Switzerland | FINMAactivity-based | FINMADLT Act regime | |||
| 🇬🇧United Kingdom |
Scroll the matrix sideways · country column stays put
Licensing intelligence
Approval times, success rates and rejection reasons
The parts you can't Google.
Approval times, success rates, responsiveness, common rejection reasons, market-entry difficulty: the intelligence a compliance officer actually wants when picking a jurisdiction. Compiled from real licensing work run through ComplyBridge, updated as new submissions land.
Every ComplyBridge Intelligence figure is published with its sample size and observation window.
See IntelligenceAcross the national regulators we score, updated per submission tracked through ComplyBridge.
Filings we've observed to authorisation vs. rejection, by regulator and licence type.
The specific deficiency categories most likely to sink an application at each authority.
How quickly each authority replies to submissions, RFIs, and clarification requests.