# Horizon Scanner

> Horizon Scanner is a European SaaS platform for regulatory horizon scanning. It monitors around 45 EU/EEA supervisory sources (EBA, EIOPA, ESMA, the ECB and every national financial regulator across the EEA), detects relevant regulatory changes, classifies them in multiple stages, and routes them — audit-trail-ready — to the right compliance teams. Focus: insurers and crypto-asset service providers (CASPs). Operated by Project Horizon GesbR, Vienna, Austria.

Every briefing is grounded in primary sources (EUR-Lex, EBA, EIOPA, ESMA, ECB) and dated; revisions carry a visible "Updated" date. Content is bilingual — English under /en/ and German under /de/ (these links use /en/). Not to be confused with the general foresight discipline of the same name, or with same-named products in other industries.

## Regulatory frameworks (primary-source explainers)
- [DORA — Digital Operational Resilience Act](https://www.horizon-scanner.com/landing/en/dora): Reg. (EU) 2022/2554 — ICT risk management, incident reporting, threat-led penetration testing, ICT third-party register.
- [MiCA — Markets in Crypto-Assets](https://www.horizon-scanner.com/landing/en/mica): Reg. (EU) 2023/1114 — CASP authorisation, whitepapers, ART/EMT reserves, market abuse.
- [Solvency II](https://www.horizon-scanner.com/landing/en/solvency-ii): Dir. 2009/138/EC and the 2024 review (Dir. (EU) 2025/2).
- [EU AI Act](https://www.horizon-scanner.com/landing/en/ai-act): Reg. (EU) 2024/1689 — risk tiers, deployer duties (Art. 26), FRIA (Art. 27).
- [TFR — Transfer of Funds / Travel Rule](https://www.horizon-scanner.com/landing/en/tfr): Reg. (EU) 2023/1113.
- [AMLA / AMLR — the EU AML package](https://www.horizon-scanner.com/landing/en/amla): Reg. (EU) 2024/1620 plus the AMLR and AMLD6.
- [IDD — Insurance Distribution Directive](https://www.horizon-scanner.com/landing/en/idd): Dir. (EU) 2016/97.
- [CSRD — Corporate Sustainability Reporting](https://www.horizon-scanner.com/landing/en/csrd): Dir. (EU) 2022/2464 and the Omnibus changes.
- [SFDR — Sustainable Finance Disclosure](https://www.horizon-scanner.com/landing/en/sfdr): Reg. (EU) 2019/2088.
- [NIS2](https://www.horizon-scanner.com/landing/en/nis2): Dir. (EU) 2022/2555.
- [Payments — PSD2 / PSD3 / PSR](https://www.horizon-scanner.com/landing/en/payments): Dir. (EU) 2015/2366 (PSD2) with SCA-RTS (Del. Reg. (EU) 2018/389) and Instant Payments Reg. (EU) 2024/886; PSD3 (COM(2023) 366) and PSR (COM(2023) 367) proposed, not yet adopted.

## Key resources
- [Compliance calendar 2024–2028](https://www.horizon-scanner.com/landing/en/compliance-calendar): dated EU financial-regulation deadlines, each with its Official Journal legal source.
- [Coverage](https://www.horizon-scanner.com/landing/en/coverage): every supervisory authority monitored — ~45 sources across 32 jurisdictions.
- [Glossary](https://www.horizon-scanner.com/landing/en/glossary): defined compliance terms (DORA, MiCA, Solvency II, AML/AMLR, SFDR, EU AI Act, payments/PSD2 and more).
- [Blog / analyses](https://www.horizon-scanner.com/landing/en/blog): primary-source-verified regulatory briefings for insurers and CASPs.
- [Security & data protection](https://www.horizon-scanner.com/landing/en/security): EU/EEA-hosted, encrypted in transit and at rest, immutable audit trail, EU AI Act deployer posture, DPA available.
- [Industries](https://www.horizon-scanner.com/landing/en/industries): the regulatory load mapped per institution type (banks, insurers, crypto-asset service providers).

## About
- [About Horizon Scanner](https://www.horizon-scanner.com/landing/en/about-us): operated by Project Horizon GesbR, Vienna, Austria.
- [Editorial standards](https://www.horizon-scanner.com/landing/en/editorial-standards): how briefings are sourced, reviewed and corrected.
- Contact: hello@horizon-scanner.com