REGULATORY & COMPLIANCE
Regulatory & compliance
With over 60 years of experience and the largest regulatory and compliance team in Luxembourg, we provide pragmatic, business‑oriented legal solutions across banking, markets, payments, e-money, crypto and AML/CTF.
Why Choose Our Regulatory Team
Deep regulatory know‑how combined with pragmatic solutions to secure market access and compliance.
Full Regulatory Coverage
Expertise across banking, markets, payments, e-money, crypto and AML/CTF.
Proactive Compliance
Pragmatic, business-oriented solutions that align with evolving regulation.
Market Access & Authorisations
Support for license applications, passporting and third-country authorisations.
Leading Regulatory & Compliance Team
We advise global and local banks, financial groups, MiFID firms, payment service providers, e-money institutions, neobanks and other regulated financial sector professionals.
Our clients
Our clients include global and local branches of major domestic and international banks, financial banking groups, financial conglomerates, European institutions, MiFID investment firms, payment service providers, e-money institutions, neobanks, financial holding companies and other regulated financial sector professionals.
Our services
Our team has extensive experience in all areas of regulatory and compliance, including:
License applications and surrender of license processes
EU passporting notifications
Authorisations to establish third-country regulated banking and MiFID branches
Acquisitions and disposals of qualifying holdings in financial sector procedures (including change of control processes)
Regulatory approval and/or non-objection requests in connection with mergers and acquisitions, voluntary liquidations and reorganisation of banking and financial institutions
Reviewing and drafting of contractual documentation (including general terms and conditions, credit and loan agreements, portfolio management, advisory, RTO agreements)
Reviewing and drafting of internal procedures and processes (including AML, internal governance, remuneration, internal audit and compliance procedures and processes)
Consumer protection legislation
Insolvency of banks, MiFID firms and regulated financial sector entities
Qualification of financial services activities
AML/CTF, KYC compliance and compliance with restrictive measures / compliance with economic sanctions
CRD/CRR, IFD/IFR, MiFID regulatory and compliance aspects
Credit card, e-money and payment services
MiCAR and crypto assets
Consolidated supervision and financial holding analysis
Regulatory capital and remuneration requirements
EMIR, securities clearance and settlement matters
Professional secrecy
Financial sector outsourcing projects
Fit and proper assessments of management members and key function holders
On- and off-site inspections from competent authorities (including AML, MiFID, PSD)
Regulatory sanctions procedures and follow-on litigation
Strategic boardroom advice
Advising on compliance with sustainable finance regulation
Latest insights & Work Highlights
Updates on regulation and recent regulatory mandates handled by our team.
Simplifying sustainability reporting: voluntary sustainability reporting standard for SMEs (VSME) — Posted 31.07.2025
DORA (Digital Operational Resilience Act) — Updated 22.07.2025
EMIR: application of active account requirement (AAR) — Posted 02.07.2025
We combine regulatory mastery with practical solutions to help clients navigate evolving financial sector rules.
TESTIMONIALS
What Others Say About Us
Recognition from leading directories and clients.
They have outstanding knowledge of banking law, are extremely responsive and have a strong commitment to customer service.
Client testimonial
Client
They consistently go above and beyond to understand our business and provide tailored legal solutions that align perfectly with our goals.
Client testimonial
Client
Etude Breininger has a strong bench and you can always reach out to someone at any time to answer your questions.
Chambers Global 2024 - Banking and Finance
Chambers Global
Industry Recognition
Chambers Global 2025 - Banking and Finance
"The team has demonstrated remarkable expertise in handling complex and sophisticated legal matters and is commercially oriented."
Legal 500 2025 - Banking, Finance and Capital Markets
"Exceptional expertise, strategic thinking and deep industry understanding."
Related expertise
Explore related practice areas that complement regulatory and compliance work.