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        <title>Regulations - NEWS BBVA</title>
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        <link>https://www.bbva.com/en/</link>
        <description>NEWS BBVA</description>
        <lastBuildDate>Sat, 13 Dec 2025 13:31:47 +0100</lastBuildDate>
        <language>en-US</language>
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                    <title>Central Bank Digital Currencies: the cross border dimension</title>
                    <link>https://www.bbva.com/en/opinion/central-bank-digital-currencies-the-cross-border-dimension/</link>
                    <pubDate>Fri, 06 Mar 2020 01:47:51 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Pablo Antón Garrote]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Central banks]]>
                            </category>
                                                    <category>
                                <![CDATA[Regulations]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=opinion&#038;p=729843</guid>
                                            <description>
                            <![CDATA[On 21 January 2020 the BIS announced that a group of central banks (Canada, UK, Japan, Sweden Switzerland and the ECB) will share experience as they assess the potential cases for central bank digital currency (CBDC) in their home jurisdictions. This announcement illustrates the growing importance of the cross-border spillovers in the CBDC debate. <a href="https://internationalbanker.com/banking/central-bank-digital-currencies-the-cross-border-dimension/" target="_blank" rel="noopener">This article</a> summarizes the recent debate on CBDCs and the reasons why the debate is focusing more and more on the global implications.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[On 21 January 2020 the BIS announced that a group of central banks (Canada, UK, Japan, Sweden Switzerland and the ECB) will share experience as they assess the potential cases for central bank digital currency (CBDC) in their home jurisdictions. This announcement illustrates the growing importance of the cross-border spillovers in the CBDC debate. <a href="https://internationalbanker.com/banking/central-bank-digital-currencies-the-cross-border-dimension/" target="_blank" rel="noopener">This article</a> summarizes the recent debate on CBDCs and the reasons why the debate is focusing more and more on the global implications.]]>
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                    <title>Not the same: Open Banking, Open APIs and Banking as a Service</title>
                    <link>https://www.bbva.com/en/not-the-same-open-banking-open-apis-and-banking-as-a-service/</link>
                    <pubDate>Thu, 22 Aug 2019 23:02:06 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Tristan Grimble]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Big Data]]>
                            </category>
                                                    <category>
                                <![CDATA[Digital banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Regulations]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=674226</guid>
                                            <description>
                            <![CDATA[When it comes to 21st century banking, there is no shortage of terms bandied about that those in the industry are expected to know. Among the more obtuse are those related to banking’s next frontier, open banking.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[When it comes to 21st century banking, there is no shortage of terms bandied about that those in the industry are expected to know. Among the more obtuse are those related to banking’s next frontier, open banking.]]>
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                    <title>“Europe should prioritise a cross-sector data sharing regulation”</title>
                    <link>https://www.bbva.com/en/innovation/europe-should-prioritise-a-cross-sector-data-sharing-regulation/</link>
                    <pubDate>Mon, 03 Jun 2019 13:28:33 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Blanca González del Fresno]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Big Data]]>
                            </category>
                                                    <category>
                                <![CDATA[Digital Economics]]>
                            </category>
                                                    <category>
                                <![CDATA[Regulations]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=645982</guid>
                                            <description>
                            <![CDATA[In an Op-Ed article <a href="https://www.ft.com/content/0304b078-82c6-11e9-a7f0-77d3101896ec" target="_blank" rel="noopener">published in the Financial Times</a>, BBVA Group’s executive chairman <a href="https://www.bbva.com/es/biografia/carlos-torres-vila/">Carlos Torres Vila</a> has called on the next European Commission, which will take office in November 2019, to prioritise cross-sector data sharing regulations to fuel the fast growing digital economy.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[In an Op-Ed article <a href="https://www.ft.com/content/0304b078-82c6-11e9-a7f0-77d3101896ec" target="_blank" rel="noopener">published in the Financial Times</a>, BBVA Group’s executive chairman <a href="https://www.bbva.com/es/biografia/carlos-torres-vila/">Carlos Torres Vila</a> has called on the next European Commission, which will take office in November 2019, to prioritise cross-sector data sharing regulations to fuel the fast growing digital economy.]]>
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                                <item>
                    <title>Europe approves a new package of banking measures</title>
                    <link>https://www.bbva.com/en/europe-approves-a-new-package-of-banking-measures/</link>
                    <pubDate>Thu, 16 May 2019 00:47:05 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Carmen Álvarez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                    <category>
                                <![CDATA[Regulations]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=641724</guid>
                                            <description>
                            <![CDATA[The European Council <a href="https://www.consilium.europa.eu/en/press/press-releases/2019/05/14/banking-union-council-adopts-measures-to-reduce-risk-in-the-banking-system/" target="_blank" rel="noopener">announced this Tuesday</a> that it has approved a series of regulatory changes previously approved by parliament, which aim “to reduce risks in the banking system.” The legislative package, known as CRD-V, revises capital requirement legislation and the recovery and resolution framework that governs financial institutions within the eurozone.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The European Council <a href="https://www.consilium.europa.eu/en/press/press-releases/2019/05/14/banking-union-council-adopts-measures-to-reduce-risk-in-the-banking-system/" target="_blank" rel="noopener">announced this Tuesday</a> that it has approved a series of regulatory changes previously approved by parliament, which aim “to reduce risks in the banking system.” The legislative package, known as CRD-V, revises capital requirement legislation and the recovery and resolution framework that governs financial institutions within the eurozone.]]>
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                    <title>How does the new data protection law impact companies?</title>
                    <link>https://www.bbva.com/en/innovation/new-data-protection-law-impact-companies/</link>
                    <pubDate>Mon, 23 Apr 2018 00:23:33 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Carmen Álvarez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Big Data]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Technology]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=467842</guid>
                                            <description>
                            <![CDATA[Recently Facebook's founder, <a href="https://www.facebook.com/zuck" target="_blank" rel="noopener">Mark Zuckerberg</a>, stated that he was going to subject his company to the standards of the new European data protection regulation that will be in force from May 25th, the GDPR (<a href="https://www.bbva.com/en/what-is-gdpr-the-eus-new-general-data-protection-regulation/" rel="noopener">General Data Protection Regulation</a>) But, what impact will this legislation have on a technology company like Facebook? And on others?]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Recently Facebook's founder, <a href="https://www.facebook.com/zuck" target="_blank" rel="noopener">Mark Zuckerberg</a>, stated that he was going to subject his company to the standards of the new European data protection regulation that will be in force from May 25th, the GDPR (<a href="https://www.bbva.com/en/what-is-gdpr-the-eus-new-general-data-protection-regulation/" rel="noopener">General Data Protection Regulation</a>) But, what impact will this legislation have on a technology company like Facebook? And on others?]]>
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                                <item>
                    <title>Francisco González: “BBVA is moving full speed ahead”</title>
                    <link>https://www.bbva.com/en/francisco-gonzalez-bbva-is-moving-full-speed-ahead/</link>
                    <pubDate>Thu, 01 Feb 2018 17:22:33 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Carmen Álvarez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Annual accounts]]>
                            </category>
                                                    <category>
                                <![CDATA[Board of directors]]>
                            </category>
                                                    <category>
                                <![CDATA[Capital ratio]]>
                            </category>
                                                    <category>
                                <![CDATA[Carlos Torres Vila]]>
                            </category>
                                                    <category>
                                <![CDATA[Dividends]]>
                            </category>
                                                    <category>
                                <![CDATA[Earnings]]>
                            </category>
                                                    <category>
                                <![CDATA[Francisco González Rodríguez]]>
                            </category>
                                                    <category>
                                <![CDATA[Regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Trading account]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=408200</guid>
                                            <description>
                            <![CDATA[BBVA’s digital customers are increasing in number, are more satisfied and interact more with the bank. In fact, the bank has reached its digital tipping point, at which more than 50 percent of its customers are using the bank’s digital channels in six countries (Spain, the United States, Turkey, Argentina, Chile and Venezuela). It’s a milestone that foreseeably will be reached this year by more of the countries where BBVA operates. Indeed in Davos last week, BBVA Group Executive Chairman <a href="https://www.bbva.com/en/biography/top-bbva-biographies-francisco-gonzalez-group-executive-chairman-bbva/" target="_blank" rel="noopener"><strong>Francisco González</strong></a> predicted the Group’s customer base as a whole will pass the 50 percent tipping point in 2018.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA’s digital customers are increasing in number, are more satisfied and interact more with the bank. In fact, the bank has reached its digital tipping point, at which more than 50 percent of its customers are using the bank’s digital channels in six countries (Spain, the United States, Turkey, Argentina, Chile and Venezuela). It’s a milestone that foreseeably will be reached this year by more of the countries where BBVA operates. Indeed in Davos last week, BBVA Group Executive Chairman <a href="https://www.bbva.com/en/biography/top-bbva-biographies-francisco-gonzalez-group-executive-chairman-bbva/" target="_blank" rel="noopener"><strong>Francisco González</strong></a> predicted the Group’s customer base as a whole will pass the 50 percent tipping point in 2018.]]>
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                                <item>
                    <title>What is a systemic bank?</title>
                    <link>https://www.bbva.com/en/what-is-systemic-bank/</link>
                    <pubDate>Thu, 23 Nov 2017 16:03:04 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Reyes Pariente]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Bank services]]>
                            </category>
                                                    <category>
                                <![CDATA[Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Central banks]]>
                            </category>
                                                    <category>
                                <![CDATA[Economy]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial and commercial services]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial markets and monetary economics]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                    <category>
                                <![CDATA[Macroeconomics]]>
                            </category>
                                                    <category>
                                <![CDATA[Regulations]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?p=362373</guid>
                                            <description>
                            <![CDATA[The <a href="https://www.bbva.com/en/financial-stability-board-functions/" target="_blank" rel="noopener">Financial Stability Board (FSB)</a> has just published the list of Global Systemically Important Banks (G-SIBs) for 2017.  The number of institutions remains the same, but with three significant changes. Systemic banks have a major impact on the economy, but what makes them different from the rest?]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The <a href="https://www.bbva.com/en/financial-stability-board-functions/" target="_blank" rel="noopener">Financial Stability Board (FSB)</a> has just published the list of Global Systemically Important Banks (G-SIBs) for 2017.  The number of institutions remains the same, but with three significant changes. Systemic banks have a major impact on the economy, but what makes them different from the rest?]]>
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                                <item>
                    <title>More regulatory certainty for European banks</title>
                    <link>https://www.bbva.com/en/regulatory-certainty-european-banks/</link>
                    <pubDate>Mon, 06 Nov 2017 00:21:52 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Carmen Álvarez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Digital banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Economy]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                    <category>
                                <![CDATA[Regulations]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=355932</guid>
                                            <description>
                            <![CDATA[The European Commission has withdrawn its proposal for Banking Structural Reform. Although originally considered fundamental for the sector, its principal objectives have already been addressed by other measures. How should this news be taken? In a <a href="https://www.bbvaresearch.com/publicaciones/la-comision-europea-abandona-la-propuesta-sobre-reformas-bancarias-estructurales/?idioma=en&amp;utm_source=diario&amp;utm_medium=enlace%20publicaci%C3%B3n&amp;utm_campaign=20171028&amp;utm_content=European%20Commission%20withdraws%20Banking%20Structural%20Reform%20proposal" target="_blank">recent note</a>, <strong>BBVA Research</strong> considers this withdrawal —after four years without much progress— to be positive, since it supposes greater regulatory certainty for banks. The BBVA Research note also underscores the negotiation of two large regulatory packages: i) the revision of the prudential banking and resolution framework for European credit institutions and ii) the finalization of the Basil III framework.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The European Commission has withdrawn its proposal for Banking Structural Reform. Although originally considered fundamental for the sector, its principal objectives have already been addressed by other measures. How should this news be taken? In a <a href="https://www.bbvaresearch.com/publicaciones/la-comision-europea-abandona-la-propuesta-sobre-reformas-bancarias-estructurales/?idioma=en&amp;utm_source=diario&amp;utm_medium=enlace%20publicaci%C3%B3n&amp;utm_campaign=20171028&amp;utm_content=European%20Commission%20withdraws%20Banking%20Structural%20Reform%20proposal" target="_blank">recent note</a>, <strong>BBVA Research</strong> considers this withdrawal —after four years without much progress— to be positive, since it supposes greater regulatory certainty for banks. The BBVA Research note also underscores the negotiation of two large regulatory packages: i) the revision of the prudential banking and resolution framework for European credit institutions and ii) the finalization of the Basil III framework.]]>
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                                <item>
                    <title>Fintech and cybersecurity: regulatory priorities for Europe</title>
                    <link>https://www.bbva.com/en/fintech-cybersecurity-regulatory-priorities-europe/</link>
                    <pubDate>Wed, 04 Oct 2017 00:10:18 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Carmen Álvarez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Big Data]]>
                            </category>
                                                    <category>
                                <![CDATA[Digital banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial and commercial services]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                    <category>
                                <![CDATA[Fintech]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                    <category>
                                <![CDATA[Internet]]>
                            </category>
                                                    <category>
                                <![CDATA[Mobile banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Technology]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=350721</guid>
                                            <description>
                            <![CDATA[The European Commission has unveiled a plan to bolster the development of financial technology (fintech) and he creation of new tools to combat cybercrime.  According to a commission report, "European consumers, investors and businesses will benefit from stronger and more integrated financial markets."]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The European Commission has unveiled a plan to bolster the development of financial technology (fintech) and he creation of new tools to combat cybercrime.  According to a commission report, "European consumers, investors and businesses will benefit from stronger and more integrated financial markets."]]>
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                                <item>
                    <title>BBVA getting ahead of new data protection regulations</title>
                    <link>https://www.bbva.com/en/bbva-getting-ahead-new-data-protection-regulations/</link>
                    <pubDate>Tue, 03 Oct 2017 00:54:21 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Carmen Álvarez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Big Data]]>
                            </category>
                                                    <category>
                                <![CDATA[Digital banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                    <category>
                                <![CDATA[Fintech]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                    <category>
                                <![CDATA[Regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Technology]]>
                            </category>
                                                    <category>
                                <![CDATA[Transformation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/en/?p=350381</guid>
                                            <description>
                            <![CDATA[The European Union wants to boost the level of <a href="https://www.bbva.com/en/psd2-access-customer-data-spotlight/" target="_blank">data protection</a> for Europeans, and to this end, it has approved the General Data Protection Regulation (<a href="http://www.eugdpr.org/" target="_blank">GDPR</a>). The GDPR establishes a series of new requirements, including the mandatory designation of a Data Protection delegate within institutions and companies handling sensitive data. The delegate will be responsible for ensuring that the personal information handled by these organizations is adequately protected. BBVA has already created that post, getting ahead of the standard’s effective date.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The European Union wants to boost the level of <a href="https://www.bbva.com/en/psd2-access-customer-data-spotlight/" target="_blank">data protection</a> for Europeans, and to this end, it has approved the General Data Protection Regulation (<a href="http://www.eugdpr.org/" target="_blank">GDPR</a>). The GDPR establishes a series of new requirements, including the mandatory designation of a Data Protection delegate within institutions and companies handling sensitive data. The delegate will be responsible for ensuring that the personal information handled by these organizations is adequately protected. BBVA has already created that post, getting ahead of the standard’s effective date.]]>
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