Get in Touch
T: +44 20 3695 9251
E: info@grtconsult.com
71-75 Shelton Street Covent Garden, London, WC2H 9JQ
Get in Touch
T: +44 20 3695 9251
E: info@grtconsult.com
71-75 Shelton Street Covent Garden, London, WC2H 9JQ
Free Regulatory Gap Analysis Tools from GRT Consulting: interactive self-assessments that help banks, brokers, custodians, CSDs, asset managers, payment firms, cryptoasset firms and service providers quickly identify readiness gaps against key EU and UK regulations.
Each diagnostic is structured around the core requirements of the relevant Level 1 and Level 2 texts (or equivalent UK sourcebooks), produces a prioritised view of gaps, and can be used as an early input to a fuller gap analysis or implementation programme.
Key upcoming regulatory deadlines ↓
| Tool | Status | Key deadlines | Regulatory texts & guidance | Access |
|---|---|---|---|---|
| CSDR T+1 Readiness Diagnostic Seven-dimension self-assessment covering allocations, settlement instructions, fails, technology, liquidity, ecosystem and governance. |
Live | 7 Dec 2026 1 Jul 2027 11 Oct 2027 |
Level 1 • Regulation (EU) 2025/2075 (T+1 amendment) • Regulation (EU) No 909/2014 (CSDR) • COM(2025) 38 final Level 2 / guidance • Settlement Discipline RTS (2018/1229) • ESMA Final Report – RTS Settlement Discipline • ESMA T+1 preparations statement (Jul 2026) • ESMA Report on shortening the settlement cycle • EU T+1 Industry High-level Roadmap • ESMA Guidelines Art 6(2) CSDR (allocations & messaging) |
Launch diagnostic → |
| DORA Readiness Diagnostic ICT risk management, incident reporting, resilience testing, third-party risk, governance and continuity. |
Live | Applied since 17 Jan 2025 (ongoing) |
Level 1 • Regulation (EU) 2022/2554 (DORA) Level 2 • RTS ICT risk management (2024/1774) • RTS incident classification (2024/1772) • RTS major incident reporting (2025/301) • ITS incident reporting templates (2025/302) • ITS Register of Information (2024/2956) • CTPP designation criteria (2024/1502) • RTS ICT third-party policy (2024/1773) • RTS threat-led penetration testing (2025/1190) • ECB TIBER-EU (TLPT methodology) • ESMA DORA hub (CTPP list & updates) |
Launch diagnostic → |
| EMIR / EMIR 3 Clearing & Reporting Diagnostic Clearing obligation, active account requirement, trade reporting quality and risk mitigation. |
Live | AAR from 25 Jun 2025 First AAR report Jul 2026 Phased 2025–2027 |
Level 1 • Regulation (EU) No 648/2012 (EMIR) • EMIR Refit (2019/834) • EMIR 3 (2024/2987) Level 2 / guidance • AAR RTS (2026/305) – operational conditions, representativeness and reporting • ESMA Final Report on Active Account Requirement • ESMA AAR reporting templates & instructions (CSV package for July 2026 first report) • EMIR reporting RTS (2022/1855) • EMIR reporting ITS (2022/1860) • ESMA EMIR Reporting hub (guidelines & Q&As) • ESMA CCP / AAR notification page |
Launch diagnostic → |
| FCA Crypto Prudential (COREPRU / CRYPTOPRU) Diagnostic Own funds (PMR, FOR, K-factors), liquidity (BLAR / ILAR), overall risk assessment, concentration risk, disclosure and governance under the UK cryptoasset regime. |
Live | Application window 30 Sep 2026 – 28 Feb 2027 Regime live 25 Oct 2027 |
Primary • PS26/12 – A Prudential Regime for Cryptoasset Firms (COREPRU & CRYPTOPRU) • CP25/42 & CP25/15 Related Policy Statements • PS26/9 (Admissions, Disclosures & MARC) • PS26/10 (Stablecoin Issuance) • PS26/11 (Regulated Cryptoasset Activities) • PS26/13 (Application of the FCA Handbook) Guidance & supporting • FCA Cryptoassets Regime overview • FG26/5 (Consumer Duty for crypto firms) • BoE / FCA joint approach to systemic stablecoins • FCA Handbook COREPRU • FCA Handbook CRYPTOPRU |
Launch diagnostic → |
| MiFID II / MiFIR Conduct & Transparency Diagnostic Best execution, order handling, transparency, transaction reporting and record-keeping. |
Live | Transparency from Mar 2026 CT phased 2026–27 Derivatives transparency ~Mar 2027 |
Level 1 • Directive 2014/65/EU (MiFID II) • Regulation (EU) No 600/2014 (MiFIR) • Regulation (EU) 2024/791 (MiFIR review) • Directive (EU) 2024/790 (MiFID II review amendments) Level 2 – RTS / ITS • Org. requirements RTS (2017/565) • RTS 1 equity transparency (2017/587) • RTS 2 non-equity transparency (2017/583) • RTS 22 transaction reporting (2017/590) • Order execution policy RTS (2026/825) (repeals RTS 27/28) • RTS 2025/1246 – amends RTS 1 & 2 (bonds/equity transparency; CT input) • RTS 2025/1155 – CTP input/output, clock synchronisation (replaces RTS 25) • ITS 2025/1157 – APA / ARM / CTP authorisation forms Operational / ESMA • ESMA MiFIR reporting hub (instructions, validations, FIRDS) • Transaction reporting XML schema 1.1.0 (ISO 20022) • ESMA MiFID II Interactive Single Rulebook (Q&As) • Commission MiFIR implementing & delegated acts |
Launch diagnostic → |
| Travel Rule Compliance Diagnostic EU TFR (2023/1113) for CASPs, exchanges, custodians and brokers — data, self-hosted wallets, messaging and AML alignment. |
Live | Applied from 30 Dec 2024 |
Level 1 • Regulation (EU) 2023/1113 (TFR / Travel Rule) Guidance • EBA Travel Rule Guidelines |
Launch diagnostic → |
| MiCA Readiness Diagnostic CASP authorisation, white papers, ART/EMT, custody, governance and AML for digital asset businesses under Regulation (EU) 2023/1114. |
Live | Applied 2024–2025 Ongoing supervision |
Level 1 • Regulation (EU) 2023/1114 (MiCA) Level 2 – RTS / ITS • RTS CASP authorisation information (2025/305) • ITS CASP application forms (2025/306) • RTS records of services, orders and transactions (2025/1140) • RTS CASP conflicts of interest (2025/1142) • RTS market abuse detection & reporting (2025/885) Guidance • ESMA MiCA hub • Commission MiCA implementing & delegated acts |
Launch diagnostic → |
| VARA Dubai Licensing Diagnostic Gap analysis for Dubai Virtual Assets Regulatory Authority licensing — activities, substance, capital, rulebooks and AML. |
Live | Ongoing (Dubai mainland) |
• VARA official site • VARA Rulebook (official) • Company Rulebook (capital, substance, governance) • Compliance and Risk Management Rulebook • Market Conduct Rulebook • Dubai Law No. 4 of 2022 (virtual assets in Dubai) |
Launch diagnostic → |
| FCA Consumer Duty Diagnostic PRIN 2A four outcomes, board report, outcomes monitoring and CP26/23 scope & proportionality. |
Live | In force 31 Jul 2023 Closed products 31 Jul 2024 CP26/23 closes 18 Sep 2026 |
Primary • PS22/9 – A new Consumer Duty • FCA Handbook PRIN 2A (the Duty itself) • FCA Consumer Duty hub Guidance • FG22/5 Final non-Handbook Guidance • Outcomes monitoring: good practice Live consultation • CP26/23 – scope and proportionality (closes 18 Sep 2026; PS expected Q1 2027) |
Launch diagnostic → |
| Failure to Prevent Fraud Diagnostic ECCTA 2023 s.199 for large organisations — six Home Office principles, associated persons and the reasonable-procedures defence. |
Live | Applied since 1 Sep 2025 (ongoing) |
Primary • ECCTA 2023 s.199 • In-force announcement (1 Sep 2025) Guidance • Home Office statutory guidance • Accessible HTML guidance |
Launch diagnostic → |
| PSR APP Scams Reimbursement Diagnostic SD20 (FPS) and SD21 (CHAPS) — 5 business days, £85k cap, sending/receiving share and consumer standard of caution. |
Live | Applied since 7 Oct 2024 (ongoing) |
Legal instruments • Specific Direction 20 (FPS) • Specific Direction 21 (CHAPS) Policy • PS25/5 – APP scams reimbursement requirement (21 May 2025) Operational / reporting • PSR APP scams hub • Deadlines for firms (RCMS / reporting) • Compliance Data Reporting Standards (CDRS) |
Launch diagnostic → |
Additional diagnostics will be added as the regulatory calendar evolves. All tools are illustrative self-assessments and do not constitute legal or regulatory advice.
The dates below are the most material near-term milestones for post-trade, operational resilience, market infrastructure and cryptoasset participants.
Need a firm-specific gap assessment?
GRT Consulting delivers full readiness reviews covering process, technology, contracts, testing and ecosystem dependencies.
T: +44 20 3695 9251 · E: info@grtconsult.com
Submit a Request for Proposal →