# The Fin Desk

> The Fin Desk is an independent digital publication covering fintech, payments, banking, cards, digital assets, regulation and financial infrastructure, with a European focus.

The Fin Desk publishes sourced news, analysis and explainers for finance professionals, founders and investors. Every story lists its primary sources. Articles are in English.

## Sections
- [Digital Assets](https://thefindesk.com/digital-assets): latest digital assets coverage
- [Fintech](https://thefindesk.com/fintech): latest fintech coverage
- [Payments](https://thefindesk.com/payments): latest payments coverage
- [Banking](https://thefindesk.com/banking): latest banking coverage
- [Cards](https://thefindesk.com/cards): latest cards coverage
- [Infrastructure](https://thefindesk.com/infrastructure): latest infrastructure coverage
- [Regulation](https://thefindesk.com/regulation): latest regulation coverage

## About & editorial standards
- [About](https://thefindesk.com/about): who we are and what we cover
- [Editorial Policy](https://thefindesk.com/editorial-policy): sourcing and verification standards
- [Corrections Policy](https://thefindesk.com/corrections-policy): how errors are corrected
- [Authors](https://thefindesk.com/authors): the newsroom
- Publisher: CARDELSE LTD · Editorial contact: info@cardelse.com

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- [Full text for LLMs](https://thefindesk.com/llms-full.txt): recent articles in plain markdown

## Latest stories
- [CMA Updates Unfair Contract Terms Guidance for First Time in a Decade](https://thefindesk.com/fintech/fca-consumer-duty-unfair-contract-terms-fintech-transparency-explainer): The Competition and Markets Authority issued updated unfair contract terms guidance — CMA37 — on 22 July 2026, completing a consultation process that opened on 22 January 2026 and marking the first revision to the document since its original publication on 31 July 2015. The FCA maintains a parallel unfair contract terms framework for regulated firms, including a library of problematic clause examples, alongside its live Consumer Duty obligations.
- [Bank of England sets out regulatory approach to tokenised collateral in central clearing](https://thefindesk.com/regulation/bank-of-england-tokenised-collateral-ccp-central-clearing-framework): The Bank of England has published its approach to the acceptance of tokenised forms of eligible collateral within central clearing, providing a formal regulatory reference point for central counterparties operating in the UK.
- [Zumo Launches FCA Cryptoasset Regulation Tracker for UK Firms](https://thefindesk.com/digital-assets/zumo-crypto-regulation-tracker-fca-uk-authorisation-regime): UK digital asset firm Zumo has released a Crypto Regulation Tracker aimed at helping firms manage compliance obligations under the FCA's evolving cryptoasset regulatory regime. The tool is positioned around deadline management as the FCA continues to publish guidance and consultation material in phases.
- [Visa and Lloyds Complete Live Stablecoin Settlement Pilot Worth $750,000](https://thefindesk.com/digital-assets/visa-lloyds-banking-group-live-stablecoin-settlement-pilot-cross-border): Visa and Lloyds Banking Group have completed a seven-day live pilot using stablecoins to settle US$750,000 of cross-border payment obligations, with funds moving between the two institutions in under an hour including on weekends. The exercise, announced by both companies on 30 September 2026, is described as the first stablecoin settlement trial between Visa and a major UK banking group.
- [HSBC Names HKD Stablecoin 'RedCoin' After Securing HKMA Issuer Licence](https://thefindesk.com/digital-assets/hsbc-redcoin-hkd-stablecoin-hkma-licence-hong-kong): HSBC has branded its forthcoming Hong Kong dollar-backed stablecoin HSBC RedCoin, following receipt of a stablecoin issuer licence from the Hong Kong Monetary Authority in April 2026. The bank plans to launch the product in the second half of 2026, initially targeting retail payments through its PayMe and HSBC HK Mobile Banking apps.
- [Fed opens dual stablecoin rulemakings under GENIUS Act with comment period](https://thefindesk.com/cards/federal-reserve-genius-act-stablecoin-prudential-framework-proposals): The Federal Reserve Board on 24 September 2026 requested public comment on two separate proposals to build a regulatory framework for payment stablecoin issuers it supervises, both rooted in the GENIUS Act enacted as Public Law 119-27. Governor Michael S. Barr issued a personal statement on the same day, a procedural step that signals the framework's internal significance at the Board.
- [FCA Opens Full Authorisation Gateway for UK Crypto Firms](https://thefindesk.com/regulation/fca-crypto-authorisation-gateway-uk-regulatory-shift-mica): The Financial Conduct Authority has launched a gateway allowing cryptoasset firms in the UK to apply for full FCA authorisation, marking the first time such businesses will fall within the regulator's comprehensive supervisory framework. The new regime introduces clear standards covering consumer protection and safeguarding.

## Usage
Quoting and citing with a link to the original article is welcome. Please attribute as "The Fin Desk".