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[Taler] Electronic Money Issuer in the EU


From: Andreas Ruf
Subject: [Taler] Electronic Money Issuer in the EU
Date: Sat, 31 Oct 2015 02:22:26 +0100
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Hi all,

I am working for an Australian Research Institute that is currently experimenting with Chaumian electronic cash. I am currently looking into EU regulations to find out what would be involved to run our experiment here in Europe. I had a first discussion with Christian the other day and promised to post references to some of the relevant EU regulations and directives that I had come across.

Current Directives and regulation:
The E-Money Directive (EMD): http://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32009L0110&qid=1439390642899&from=EN The Payment Services Directive (PSD): http://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32007L0064&from=EN Wire Transfer Regulation: http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=OJ:L:2006:345:0001:0009:EN:PDF Anti Money Laundering Directive: http://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32005L0060&from=EN

Updates of the above that have passed EU parliament, but are yet to be implemented by member states: PSD2: http://www.europarl.europa.eu/sides/getDoc.do?type=TA&reference=P8-TA-2015-0346&language=EN&ring=A8-2015-0266#BKMD-6 Wire Transfer Regulation: http://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32015R0847&qid=1439390897318&from=EN AMLD4: http://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32015L0849&from=EN

Has anybody looked at these so far? In particular, I am currently looking at the Wire Transfer Regulation and am scratching my head how the anonymity of the payer that we are all looking to implement could work under this regulation. Any ideas or experiences?

Cheers,

Andreas






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