Regulation hits the P&L lastWe map it first

Regalith tracks EU regulation from first proposal and quantifies the financial impact before the law bites.

Live regulatory stream

AMLA · Anti-Money Laundering Authority−€1.3M – −€540K
EU European Union · 27 states
AML Single Rulebook Regulation−€900K – −€420K
EU European Union · 27 states
Sixth Anti-Money Laundering Directive−€610K – −€280K
EU European Union · 27 states
Transfer of Funds Regulation · travel rule−€340K – −€150K
EU European Union · 27 states
Markets in Crypto-Assets Regulation−€780K – −€300K
EU European Union · 27 states
Digital Operational Resilience Act−€1.1M – −€450K
EU European Union · 27 states
Instant Payments Regulation−€260K – −€90K
EU European Union · 27 states
eIDAS 2.0 · EU Digital Identity−€300K – −€120K
EU European Union · 27 states
PSD3 · Payment Services Regulation (proposal)−€520K – −€210K
EU European Union · 27 states
Financial Data Access Regulation (proposal)−€480K – −€160K
EU European Union · 27 states
MiCA technical standards · ESMA RTS−€210K – −€70K
EU European Union · ESMA
EBA guidelines · ML/TF risk factors−€130K – −€40K
EU European Union · EBA
Geldwäschegesetz amendment−€240K – −€95K
DE Germany · BaFin
Décret · AML transposition−€200K – −€80K
FR France · ACPR
CBI AML/CFT guidelines update−€160K – −€60K
IE Ireland · Central Bank
Wwft amendment−€180K – −€70K
NL Netherlands · DNB
AML law amendment−€110K – −€35K
LT Lithuania · Bank of Lithuania
CSSF circular · KYC obligations−€150K – −€55K
LU Luxembourg · CSSF
SEPBLAC reporting update−€170K – −€65K
ES Spain · SEPBLAC
Banca d'Italia AML provisions−€190K – −€75K
IT Italy · Banca d'Italia

The Cost · the European regulatory corpus by the numbers

Fact 01

Source: European Commission, EUR-Lex; May 2026

100,007

EU legislative acts since 1957

40,000+ currently in force.

Fact 02

Source: Draghi Report, 2024

+729%

Growth in EU law volume since 1994

+101% since the Lisbon Treaty (2010). +14% from 2020–2024 alone.

Fact 03

Source: European Investment Bank Survey, 2024

€150B

Annual compliance burden in Europe

60% of EU firms cite regulation as their main obstacle to investment.

Fact 04 · The point

Source: Regalith analysis of EU/US scaling data, 2026

27×

The complexity of operating in 27 jurisdictions vs one US market

Only 1.7% of EU firms reach 20+ employees by age 3 (vs 3% in the US). The fragmentation tax is real.

The Horizon

Last curated · 26 MAY 2026

What others monitor.We see what's coming.

Other tools report what's been enacted. Regalith tracks the pipeline, proposals, drafts and national transpositions, and quantifies the cost before the law bites.

~2,000

new EU rules per year

+14%

regulatory growth 2020–2024

~4,000

implementing acts per year

27

jurisdictions per directive

Tracked this quarter

127

in proposal

84

in draft

12

in vote

2,041

enacted YTD
EUROPEAN PARLIAMENTBrussels
Alert severityCriticalHighMediumLow
Regulatory pipeline tracked this quarter, curated 2026-05-26
StageCount
in proposal127
in draft84
in vote12
enacted YTD2,041

The Translation Gap

One regulation, five vocabularies

All quoting the same EU AMLA paragraph

Legal

Article 16(1) requires enhanced due diligence on high-risk customers, with documentation retained for ten years post-relationship.

Compliance

We will need a new EDD workflow, three additional verification controls, and updated training across the onboarding team.

Operations

This will add about two to four steps to the customer journey. We do not yet know what that does to drop-off.

Finance

Someone will eventually ask what this costs. Until then, the number is a placeholder in the compliance budget line.

Strategy

We will deal with the strategic implications when the operational impact is clearer, which usually means after the damage is done.

Regalith collapses these five voices into one structured impact model

Dossier

№01

Jurisdiction

European Union · 27 states

Status

Enacted · effective 2027-07-01

AMLA

Regulation (EU) 2024/1620

Anti-Money Laundering Authority: establishing direct EU-level supervisory powers over high-risk financial institutions.

The ledger · base scenario · European fintech · €100M ARR

Compliance cost

€450K – €800Kone-time + recurring · annualized80% conf.

Headcount impact

+3 – +6 FTEcompliance + ops + monitoring85% conf.

Conversion

−8% to −15%on onboarding completion78% conf.

EBITDA · Year 1

−€540K – −€1.3Mconfidence-weighted total72% conf.

The chain · regulation → EBITDA

  1. Regulation

    EU AMLA Reg.

    95% conf.
  2. Obligation

    Enhanced KYC

    90% conf.
  3. Driver

    +2–4 verification steps

    85% conf.
  4. Metric

    Onboarding conversion rate

    78% conf.
  5. Financial

    Revenue loss

    72% conf.
  6. Impact

    −€540K to −€1.3M

    72% conf.

The Comparison

Two emails arrive about the same regulation

One from your current monitoring tool. One from Regalith. Read both.

The Standard Alert

From: regulatory-updates@vendor.eu

Subject: EU AMLA, Update

This regulation may affect your company. Please consult with your compliance team for further guidance.

Severity: Medium

Status: Enacted

Action required: Review

End of alert

The Regalith Insight

Dossier: EU AMLA · Cohort: EU Fintech, €100M ARR

Customer servicing cost: +8 to +12%

+3 onboarding controls, +2 compliance FTE

Segment EBITDA: −€1.4M annually

Confidence 85% / Conservative scenario / 10 sources

Reviewed by M. Kowalski / Updated 2026-01-15

The engine

How a regulation becomes an EBITDA range

  1. 01

    Regulatory ingestion

    Laws, drafts, guidelines, enforcement signals

    Sample artifact: Regulation (EU) 2024/1620, full text, classified by jurisdiction, topic, and effective date. Versioned. Diffable.
  2. 02

    Company model

    Products, processes, vendors, unit economics

    Sample artifact: 37 entities across 12 categories: products, segments, jurisdictions, processes, vendors, KPIs. Each entity carries provenance and approval status.
  3. 03

    Impact model

    Obligations → drivers → metrics → financial

    Sample artifact: A directed graph of 16 nodes and 26 connections. Each node holds a confidence score and an adjustable parameter. Every edge is auditable.
  4. 04

    Decision engine

    Paths, trade-offs, recommendations

    Sample artifact: 3 decision paths with cost, risk reduction, conversion impact, complexity, timeline, and confidence. One marked RECOMMENDED.

The decision tree · EU AMLA

You have three ways to comply. Here is what each one costs

  1. Minimal compliance upgrade

    Cost
    €250K – €400K
    Risk red.
    30–45%
    Conversion
    −3% to −5%
    Complexity
    Low
    Timeline
    60–90 days
    Confidence
    70%

    Trade-offs

    • Cost vs risk: low spend, residual risk.
    • Speed vs compliance: fast, only partial.
    • Conversion: minimal impact.

    Best for

    Companies with strong existing AML infrastructure.

  2. ★ Recommended

    Full process hardening

    Cost
    €700K – €1,200K
    Risk red.
    80–95%
    Conversion
    −10% to −15%
    Complexity
    High
    Timeline
    120–180 days
    Confidence
    90%

    Trade-offs

    • Cost vs risk: high spend, near-zero risk.
    • Conversion: short-term hit, long-term gain.
    • Speed vs compliance: slow, gold-standard.

    Best for

    Companies prioritizing long-term compliance positioning.

  3. Phased adaptive approach

    Cost
    €400K – €700K
    Risk red.
    55–75%
    Conversion
    −5% to −8%
    Complexity
    Medium
    Timeline
    90–150 days
    Confidence
    80%

    Trade-offs

    • Cost vs risk: moderate, progressive.
    • Conversion: controlled, room to optimize.
    • Speed vs compliance: balanced, meets dates.

    Best for

    Companies with moderate AML maturity seeking balance.

System recommendation

Full process hardening: a complete overhaul of AML controls, screening systems, and reporting workflows to exceed AMLA requirements

Provenance ledger · EU AMLA impact model

A working audit trail

Every source. Every confidence. Every reviewer. Every date.

Drop-off per step

Value
6%
Source
Internal client dataClient data
Conf.
92%
Reviewer
A. Nowak
Updated
2026-01-22

Verification steps

Value
+3 steps
Source
Onfido 2024 reportBenchmark
Conf.
85%
Reviewer
M. Kowalski
Updated
2026-01-15

Onboarding conv. rate

Value
68%
Source
Client funnel exportClient data
Conf.
95%
Reviewer
A. Nowak
Updated
2026-01-22

Compliance FTE cost

Value
€95K / yr
Source
Hays Salary Guide 2025Benchmark
Conf.
88%
Reviewer
K. Wiśniewski
Updated
2026-01-10

AMLA reporting cadence

Value
Quarterly
Source
Reg (EU) 2024/1620Regulation
Conf.
100%
Reviewer
enforced
Updated
2024-05-30

Summary

5 parameters · avg confidence 92% · 2 client, 2 benchmark, 1 regulation

The empty layer

The RegTech stack. Where the value sits

  1. 01

    Monitoring

    What changed?

    Players

    CUBE, Corlytics, Wolters Kluwer, Ascent, Vixio, Cardamon (YC), FinregE

    Crowded

    7+ players
  2. 02

    Applicability

    Does it apply to us?

    Players

    Ascent, Cardamon, CUBE, Corlytics, Regology

    Crowded

    5+ players
  3. 03

    Operational impact

    Which processes change?

    Players

    Corlytics (trends only), OneTrust (qualitative only)

    Crowded

    2 partial
  4. 04

    Financial impact

    How much in EUR?

    Players

    No scalable software exists. Consulting firms only.

    Empty

    Regalith.

Three layers are commodity. Layer 4 is where the boardroom lives

Regalith competitive analysis, May 2026

Pilot program

See the financial impact of regulation, quantified

Talk to our team. Learn how organizations like yours use Regalith to translate complex legal frameworks into EBITDA impact, compliance costs and operational risk, without slowing decisions down.

  • Tailored walkthrough of the platform on your regulatory scope

  • Live model demonstration on a use case relevant to your industry

  • Clear view of integration paths and rollout timeline

Apply for the pilot