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Mortgage Credit Intermediaries in Malta: What Applicants Need to Know Following the 2026 Reforms
In Malta, a business assisting prospective homebuyers in securing mortgage financing may not itself provide the loan. Nevertheless, depending on the nature of its activities, it may be required to obtain regulatory admission from the Malta Financial Services Authority (“MFSA”). On 4 November 2026, the MFSA published revised Credit Intermediaries Rules relating to Mortgage Credit Agreements (the “Rules”), following the introduction of the Mortgage Credit Intermediaries (Admission) Regulations, 2026, through Legal Notice 263 of 2026. Although admission requirements for mortgage credit intermediaries were already established under Malta's implementation of Directive 2014/17/EU (the “Mortgage Credit Directive”), the revised framework aligns the…
Equal Pay In Practice: The Court of Appeal Weighs In
Industrial Tribunal Decision In a decision delivered on 13 February 2026, case number 4040/22/AM, the Industrial Tribunal (the “Tribunal”) considered a claim brought by a former Senior Manager against the Transport Malta Authority concerning differences in remuneration between employees occupying the same grade. The claimant alleged that other Senior Managers had received salary increases which he had not received. A central issue was the treatment of performance-related salary increases. While the Tribunal held that the claimant was not automatically entitled to a performance bonus, it distinguished this from increases which, although initially awarded on the basis of performance, were subsequently…
Beyond Sustainability Promises: ESMA Clarifies Impact and Climate Transition Claims
An investment fund may hold shares in a renewable energy company without necessarily contributing to the environmental benefits that company generates. Similarly, a fund may report a lower portfolio carbon footprint even when emissions from its investee companies have not fallen. These distinctions matter when sustainability-related claims are communicated to investors. On 27 October 2026, the Malta Financial Services Authority (“MFSA”) issued a circular drawing attention to two thematic notes published by the European Securities and Markets Authority (“ESMA”) on 12 October 2026. The notes address impact claims and climate transition claims made in non-regulatory communications, including marketing materials and…
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