Skip to main content

Insights

Digital Inclusion
Digital Inclusion: The European Accessibility Act and the Web Accessibility Directive Telecoms, Media & Technology

Digital Inclusion: The European Accessibility Act and the Web Accessibility Directive

As the digital economy continues to expand, businesses must ensure that their products and services are accessible to everyone — including persons with disabilities. Two key EU laws are shaping accessibility obligations in Malta: the European Accessibility Act and the Web Accessibility Directive. These legal frameworks place important compliance responsibilities on entities with an online presence, particularly those operating in retail, e-commerce, consumer electronics, financial services, and other industries that rely heavily on websites and mobile applications to serve customers. What is the European Accessibility Act? The European Accessibility Act (Directive (EU) 2019/882) will come into force in Malta on…
Warren Ciantar
27th June 2025
Work inspection
Employers Face Stricter Fines under New Amendment Employment and Industrial Relations

Employers Face Stricter Fines under New Amendment

On 6th June 2025, the Employment and Industrial Relations (Amendment) Act was published in the Government Gazette. This Act is set to come into force on 6th August 2025. The key amendment introduced by this legislation targets Article 45 of the Employment and Industrial Relations Act (Chapter 452 of the Laws of Malta), specifically by increasing the fines imposed on employers found in breach of employment law. Under the current law, an employer who violates any recognised condition of employment, whether set out in a national standard order, sectoral regulation order, collective agreement, or under Chapter 452 or any regulations…
Mamo TCV Advocates
27th June 2025
monochrome-photo-of-shapes-square-and-triangle
ICT Aspects of a MiCA Application DORAFinTech

ICT Aspects of a MiCA Application

On the 17th of June 2025, the Malta Financial Services Authority (“MFSA”) published a circular titled ‘Follow-Up Circular to the Industry on the Authorisation Process for MiCA Applicants’. The circular concerns the authorisation process for crypto-asset service providers (CASPs) under Regulation (EU) 2023/1114 on Markets in Crypto-Assets (MiCA), as integrated in Maltese law through Chapter 647.  This circular supplements the Authority’s communication of the 10th December 2024 which was explained in a previous legal update. The June 2025 circular introduces two additional annexes that are now required as part of a complete MiCA application file. These are Annex AX05 (Digital…
Mamo TCV Advocates
20th June 2025
Tokenisation of Funds
Fintech Insights #11 –
Tokenising Fund Units FinTechInvestment Services & Funds

Fintech Insights #11 –
Tokenising Fund Units

Malta has uniquely positioned itself at the crossroads of EU legislative initiatives of investment funds and digital assets. The island has steadily built a forward-thinking fintech ecosystem whilst at the same time maintained an investment fund framework which is comparable to those with the EU’s largest jurisdictions by assets-under-management (“AUM”).  This makes Malta the ideal EU jurisdiction to set up a tokenised investment fund. In June 2025, the Malta Financial Services Authority (“MFSA”) published a detailed ‘Position Paper on Tokenisation of Fund Units’ (the “Position Paper”), reflecting Malta’s ongoing pioneering approach to digital finance and asset management. The paper emphasises…
Katya Tua and Mario Mizzi
18th June 2025
Mamo TCV FinTech
MFSA increases PDMR reporting threshold to €10,000 as from the 4th of December 2024 Capital Markets

MFSA increases PDMR reporting threshold to €10,000 as from the 4th of December 2024

On the 4th of December 2024, the Malta Financial Services Authority (“MFSA”) published a Circular addressed to all market participants falling within the scope of Regulation (EU) No 596/2014 on market abuse (“MAR”). The Circular outlines amendments to the MFSA’s Prevention of Financial Markets Abuse Rules following the publication of the EU Listing Act Package in the Official Journal of the European Union on the 14th of November 2024. The Listing Act Package includes, inter alia: the Listing Act Directive (Directive (EU) 2024/2811) and, the Listing Act Regulation (Regulation (EU) 2024/2809) - which amends the Prospectus Regulation and the MAR…
Mamo TCV Advocates
17th June 2025
Euro symbol on banknote
MFSA Amends MiCA Rulebook FinTech

MFSA Amends MiCA Rulebook

On the 16th of June 2025, the Malta Financial Services Authority (“MFSA”) published a circular containing an updated version of the Markets in Crypto-Assets (MiCA) Rulebook, together with targeted amendments to Chapter 3 of the Financial Institutions Rulebook (FIR/03). These updates implement the recently issued Level 2 and Level 3 EU measures under the MiCA framework and clarify the notification procedures for crypto-asset market participants. The updated provisions are effective immediately as of its publication. The updates to the MiCA rulebook were carried out to ensure alignment with recently published guidelines by the European Supervisory Authorities (“ESAs”), and are as…
Mamo TCV Advocates
17th June 2025