Shipping – Malta: The introduction of a security interest in finance lease transactions
Ganado Advocates is the author of the 2025 Marine Money International chapter on shipping in Malta (Q2, volume 41, number 2).
The Artificial Intelligence Act and insurance sector overview: Where are we so far?
The Regulation (EU) 2024/1689 (AI Act), published in July 2024, applies across all sectors, including insurance. The AI Act follows a risk-based approach and classifies AI systems into four categories according to their risk level: prohibited, high risk, limited and minimal risk. The AI Act defines a comprehensive set of governance and risk management measures that high-risk systems need …
What legal actions can the bank take if the customer defaults on a loan in the UAE?
Introduction: Defaulting on a bank loan in the UAE is regulated by the Commercial Code (federal decree-law No. (50) of 2022) and the Civil Procedure Law (federal decree-law No. (42) of 2022). Further, the Central Bank of UAE issued Loan Agreement Notice No. 3692/2012 of the personal loan agreement. This notice stipulates the terms and …
EBA’s Opinion on PSD2 and MiCA: Clarifying the Path for CASPs who provide services in relation to EMTs
On 10 June 2025, the European Banking Authority (“EBA”) published its long-awaited Opinion[1] on how the existing second Payment Services Directive (“PSD2”) interacts with the Markets in Crypto-Assets Regulation (“MiCA”), in the context of electronic money tokens (“EMTs”). The issue at hand is that EMTs, under MiCA, are defined as electronic money—meaning they also fall within …
MFSA publishes observations from inspections with investment services providers
The Malta Financial Services Authority (“MFSA”) has published a Dear CEO letter addressed to all chief executive officers and compliance officers of ‘persons professionally arranging or executing transactions’, particularly to investment services providers. The letters sets out the MFSA’s main findings following numerous market abuse-related supervisory inspections which it carried out with numerous Maltese investment services providers …
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Understanding the New Civil Defence Authority and Its Regulations
Introduction The UAE has issued a new civil defence law which is governed by federal decree-law No. (35) of 2024 on the reorganization of the civil defence authority. This new civil defence law aimed at strengthening emergency response and disaster management.
Auto-enrolment occupational pension regime: What will this mean for employers?
Recent launch of public consultation on the proposed introduction of an auto-enrolment occupational pension regime in Malta
Understanding the Proposed Critical Medicines Act: A step forward in securing Europe’s medicine supply
Introduction Over the past few years, the European Union has been actively working to overhaul its pharmaceutical legislative framework to better address unmet medical needs, such as those relating to rare diseases, as well as to improve Europe’s competitiveness in the pharmaceutical market and to support innovation. In fact, in April 2023, the European Commission …
Strengthening Oversight and Innovation in Malta’s Insurance Sector: An overview of the MFSA 2024 Annual Report
The Malta Financial Services Authority (MFSA) has reaffirmed its commitment to robust supervision and regulatory innovation in the insurance sector, as detailed in its 2024 Annual Report. The Authority’s efforts throughout the year focused on enhancing prudential oversight, consumer protection, and regulatory alignment with evolving European standards.
Lexology Panoramic – Trademarks guide 2025
Ganado Advocates is the author of the Malta chapter in Lexology Panoramic – Trademarks guide, 2025 edition.