In November 2015, the European legislator published the European Directive 2015/2366 relating to payment services called PSD2, partly practicable since January 13, 2018 and replacing the European Directive 2007/64.

In a notice of 8 September 2017, the ACPR reported itself compliant with the EBA orientations (GL 2015/18) on the governance of banking retail products. In this same notice, it informs all the institutions subject to its monitoring that they must do everything possible to be compliant with it.

Compliance, internal control and risk management functions have become very consuming in terms of human resources. The percentage of a financial institution staff dedicated to these functions varies from approximatively 2 to 6, according to the nature of the activities and the risks incurred.

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The general data protection regulation came into force on 25 may 2018