
ESMA Consults on the ‘Classification of Crypto-Assets as Financial Instruments’ and ‘Reverse Solicitation’ under MiCA
The European Securities and Markets Authority (ESMA) has just published two consultation papers on two

CSP Rulebook Update
On the 23rd of January 2024, the Malta Financial Services Authority (the “MFSA”) released a

AG Szpunar opines on the procedural limitations to the Single Economic Entity Doctrine
Analysis of AG Szpunar’s Opinion in ‘AB Volvo v Transsaqui SL’ and Its Implications for

The European Commission publishes its report highlighting active competition enforcement in the pharma sector
On 26 January 2024, the European Commission (the “Commission”) published its report (the “Report”), providing

Malta launches preliminary market consultation on Floating Solar Farms
On the 31st January 2024, the Ministry for the Environment, Energy and the Regeneration of

Banking & Fintech Newsletter – Issue No. 40
Banking & Fintech newsletter – issue 40 is now available In this issue: News bulletin

From Intern to Advocate
Chris Grech started his journey with Ganado Advocates as an Intern in the summer of

Changing the terms of a credit agreement and forbearance policies and measures: new obligations on lenders in consumer and residential property credit agreements
Amendments to the Consumer Credit Regulations, S.L. 378.12 (the “Consumer Credit Regulations”) and to the












