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Putting the "order" into cross-border payments It's been just over a year since Libra, the stablecoin concept seeded by Facebook and developed with a consortium of financial institutions, was first announced. The announcement itself heralded, amongst other things, an era in which stablecoins such as L... EU Copyright regulation after the Brexit transition period As the UK enters the final six months of its countdown until the end of the transition period on 1 January 2021, the European Commission (EC) has published a stakeholder notice on certain implications for copyright and related rights. In particular, this ... “I told you NO, you can’t have their number…” – CJEU confirms IP Enforcement Directive does not require disclosure of email addresses, telephone numbers or IP addresses When was the last time you sent a friend a letter? Now how about an email? In a digital world, should the meaning of the word ‘addresses’ be limited to physical addresses? Well, the Court of Justice of the European Union (the "CJEU") has decided that the ... Platform to Business Regulation goes online While the European Commission consults on a package of widespread legal reforms for the digital economy, new measures aimed at ensuring a fair and transparent platform ecosystem began to apply on 12 July 2020. The P2B Regulation applies to “online interme... Brexit and Bail-in clauses The EU Bank Resolution and Recovery Directive (“BRRD”) gives powers to EEA regulators to write down or convert into equity a failing institution’s liabilities. This power is effective in respect of liabilities under a document governed by EEA law, but is ... Swimming in the mainstream - EUIPO publishes open source software report Open source software (OSS) has had its detractors - whether because of security issues (unscrupulous developers inserting poor quality or malicious code) or licensing requirements to return improvements to the OSS community (problematic if you want to mai... AI and the GDPR - two key reports published “Data protection is at the forefront of the relationship between AI and the law,” as noted in the introduction to a study on the impact of the General Data Protection Regulation (“GDPR”) on artificial intelligence (“AI”), commissioned by the European Parl... Levelling the playing field - The EC's White Paper on foreign subsidies The European Commission recently published a White paper setting out its proposals for measures to address the impact of subsidies from non-EU countries on trade within the EU. For EU Member States the use of such subsidies is already controlled by the EU... The slow but inevitable shift from the EU financial services rulebook In recent weeks, we have gained some limited visibility on the UK’s intentions for the post-Brexit regulatory framework for financial services in a series of written statements, papers, and consultations.  These documents refer to a range of regulatory re... Three little words... We all know the difference three little words can make.  But in the case of VAT, those three little words turn out not to be "I love you" but the rather less romantic "acting as such".  For those of you thinking about a romantic dinner out as restaurants ...