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European Digital Finance Association

EDFA

EDFA objectives are to advocate for better access to modern, more affordable andsecure financial services and to enhance innovation in the financial sector by means ofemerging digital technologies through promoting technological development, discussingrelevant legal changes and supporting innovative business ecosystem that accord withthe relevant principles of EU and international law, promote the industry best practices,meet the highest standards of customer protection, transparency, cybersecurity, privacy,and sustainability.

Lobbying Activity

Response to 28th regime – a single harmonized set of rules for innovative companies throughout the EU

30 Sept 2025

EDFA welcomes the European Commission's initiative to develop a 28th regime as a natural progress of the EU INC initiative that could simplify corporate operations across the Single Market. As representative of approximately 3000 fintech companies from around 18 member states operating in multiple EU jurisdictions, EDFA recognizes both the potential benefits and the need for careful consideration of sector-specific requirements in any harmonized framework. EDFA is particularly interested in potential solutions and simplifications in the areas of cross-border operations as well as licensing and supervisory obligations. The digital approach and labour law harmonization are also areas of interest for EDFA. In addition, EDFA is keenly interested in using the opportunity of the 28th regime to promote a unified investment and equity framework for startups and growth companies to alleviate legal and administrative burdens, support cross-border investment, and strengthen the competitiveness of European innovation.
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Meeting with Florian Denis (Cabinet of Commissioner Mairead Mcguinness)

23 May 2023 · Open Finance