Connect ChatGPT or Claude directly to paymentslaw.eu and check the sources behind an SCA answer. A free, read-only connection to 51 curated EU payments instruments, with provisions, source editions and citations you can open.
Strong Consumer Authentication is being moved into a directly applicable regulation, not just amended. Your transition plan needs to separate what the text specifies, what waits on the EBA, and what it assumes about the handover. The law leaves that last part implicit.
A May forecast for summer publication has come and gone. The official record now points to December, and carries a status line that reads backwards until you know the procedure.
The PSD3 and PSR timetable has moved, but many summaries have not. The April 2026 compromise texts change the planning assumptions and contain two easily missed provisions that apply from entry into force.
One in five biometric fraud attempts now involves a deepfake. The figure is striking on its own, but the more interesting story sits underneath it: inherence has quietly become the awkward leg of the SCA stool, and the trilogue text of the PSR is the first regulatory instrument to acknowledge it.
PSD3 and the PSR have cleared trilogue. Coreper has the final texts. None of that tells you when the rules will apply to your business. A primer on the four-level framework that determines when EU payments regulation lands.
