iGaming Payment SolutionsiGaming Payments Compliance Calendar
Every dated obligation that touches a gambling cashier, in one timeline: card-network programs, crypto licensing cliffs, market launches, AML enforcement. Law firms track their own practice areas and vendors track their own products; nobody keeps the payments view in one place. Each row links to our full breakdown, the way the compliance guide covers the standing rules.
The unit here is a date a payments team can put in a sprint plan. Regulatory mood music (consultations, ministerial hints, industry lobbying) stays off the calendar until it produces an effective date from a primary source; where a window is real but the day is not fixed, the row says TBC instead of pretending.
Read it in three passes: what is already binding and still generating operational work, what lands next quarter, and what belongs in the architecture roadmap rather than the current sprint. Filter by your regions and by the rule families that touch your stack.
- Dated entries tracked
- 54
- Regions covered
- 7
- Rule families
- 6
- Horizon
- 2026-2030
What lands in the next 90 days
The window as of August 21, 2026. Full detail and sources in the dated rows below.
- Aug 28: Brazil's 24-hour blocking duty for unauthorized betting payments takes effect (CMN Resolution 5.320).
- Sep 30: UK RTS 12B phase 2 makes gross deposit limits mandatory; the same day is the press-reported (TBC) end of PAGCOR's B2B accreditation window, which explicitly covers payment channels.
- Oct 1: Malta's gaming tax rewrite lands: 15% for Type 1, 10% for Types 2-4, residence-based attribution.
- Oct 13: Alberta's last transition extensions expire; grey-market processing ties become a suitability problem.
- Oct 24: Visa CE 3.0 extends to multi-merchant evidence.
- Oct 30: Brazil's virtual-asset reporting duty starts (BCB Resolution 569), with the Fraud Marker reporting build due by the end of November.
Upcoming deadlines
Dated obligations ahead, nearest first. Rows marked TBC are expected windows, not fixed dates; they firm up here as primary sources publish.
- EUPayment railsdate not final
PSD3/PSR: Official Journal publication window
The April 2026 Council texts locked scope; the OJ stamp starts the clocks (PSD3 transposition 21 months from entry into force, PSR application on its own schedule). Impersonation-fraud refunds on the player's PSP and the open-banking API mandate both run off this date.
PSD3 and PSR for iGaming - BrazilAML & enforcement
Brazil: 24-hour blocking duty takes effect (CMN Resolution 5.320)
From this date a bank or payment institution notified by the SPA must block an unlicensed operator's funds within 24 hours and report compliance within 48. Until now the June decree's framework existed without the operative clock.
Brazil market brief - BrazilPayment rails
Brazil: MP 1.355 conversion deadline
The provisional measure carrying the Pix Credito betting ban either converts into permanent law or lapses (it was extended 60 days). Either outcome changes the compliance basis for credit-linked instant payments in the cashier.
Brazil credit ban playbook - EUAML & enforcement
AMLA: gambling risk-methodology consultation closes
AMLA's draft RTS under AMLD6 Article 40(2), a common risk-scoring methodology for non-financial obliged entities that names gambling expressly, closes for comment (hearing Sep 10). Direct-supervision selection is a 2027 process restricted to financial institutions: operators cannot be selected, but the cross-border PSPs and EMIs that process their payments can. An earlier version of this row ran the selection a year early with iGaming as a target; corrected Jul 24, 2026.
AMLA and iGaming payments - UKLicensing & market access
UK: RTS 12B phase 2, gross deposit limits mandatory
Only gross limits qualify from this date: withdrawals no longer reset the cap, which breaks the running-counter pattern in legacy deposit-limit subsystems. UKGC extended this from the originally planned June 30, so the migration window was a gift; the hard stop at limit is not negotiable.
RTS 12 migration playbook - Asia-PacificLicensing & market accessdate not final
Philippines: PAGCOR accreditation deadline for B2B payment channels
PAGCOR's B2B accreditation regime explicitly lists payment channels among covered providers: fee, probity check, inspection and a performance cash deposit, or no serving Philippine-licensed online operators. The original July 31 deadline was extended to September 30 with decommissioning from October 1 per a July memo the trade press reports unanimously, but the extension memo is not yet on pagcor.ph, so treat the date as press-sourced until it is. Already binding either way: providers that never applied by May 31 are barred now.
- EUPayment railsdate not final
Netherlands: Wero payments go live alongside iDEAL
Dutch buyers can start paying with Wero in Q4 2026 as EPI begins migrating iDEAL merchants, after the co-branding phase that ran January to March. The iDEAL brand is scheduled to disappear entirely by the end of 2027. iDEAL carries a large share of Dutch casino deposits, so every cashier and PSP integration built on it inherits a migration project with a hard end date.
- EUTax & duty
Malta: gaming tax triples for Type 1, residence-based test lands
Legal Notice 84 of 2026 replaces the flat 5% Malta-facing gaming tax with 15% of gaming revenue for Type 1 services and 10% for Types 2-4, and ties distance-gaming taxability to player residence rather than physical presence, which makes the KYC and address data in the payment stack feed tax attribution directly. Companion LN 86 narrows the VAT gambling exemption from the same date.
MGA-licensed payment providers - OffshoreLicensing & market access
Curacao: B2C player-terms deadline
Every B2C licensee must have CGA-compliant player-facing terms uploaded: payout processing times, refunds, crypto specifics (lost wallets, sanctioned addresses, forks), dormant accounts. These are the cashier clauses acquirer underwriters read next.
Curacao payment access map - US & CanadaLicensing & market access
Alberta: last transition extensions expire, grey processing window closes
The market went live July 13, 2026; grey-market operators had to apply, pay and cease unregulated activity by that date, with case-by-case extensions running at most three months. From October 13 no transitional relief remains: an operator not live under AGLC registration is out, and AGLC treats lingering ties to unregulated schemes as grounds for unsuitability, which makes this a de-risking date for PSPs still touching Alberta-facing grey volume. The exact date sits in AGLC transition guidance distributed to applicants rather than posted publicly.
Alberta launch payments breakdown - BrazilAML & enforcement
Brazil: virtual-asset reporting duty starts (BCB 569)
The virtual-asset category of the fraud data-sharing mandate goes live ahead of the December full-reporting date. Crypto rails serving Brazilian-facing books get their own reporting lane.
- US & CanadaLicensing & market accessdate not final
Oklahoma: sweepstakes veto-override vote expected
A veto-override attempt is expected in the November window. If it lands, Oklahoma joins the 2026 ban wave; watch processor exits ahead of any effective date.
Sweepstakes processor-liability breakdown - EUPayment rails
SEPA: structured-address mandate
Legacy free-text address formats in SEPA messages are rejected after this date. A payout file that still carries unstructured beneficiary addresses starts bouncing at the scheme layer, which surfaces as unexplained payout failures.
SEPA Instant payouts audit - BrazilAML & enforcement
Brazil: Fraud Marker reporting mandatory
Institutions must be implemented by November 30 and reporting unlicensed-betting indicators from December 1. Flags land on player counterparty accounts and on payment intermediaries alike, so a grey-book's Brazilian rails become visible to every participating institution.
LATAM payments map - Asia-PacificLicensing & market access
New Zealand: licensed online casino market launches
Up to 15 DIA-licensed online casinos go live under the Online Casino Gambling Act 2026, and the grey window for offshore operators starts closing. For payment providers this is the first new fully regulated English-speaking market since Alberta, with the payment stacks decided during the autumn application rounds.
- EULicensing & market access
Ireland: retail betting flips to GRAI licences, Revenue licences expire
Legacy Revenue bookmaker licences and shop registrations expire end of November 30; from December 1 the GRAI register is the only source of truth for whether an Irish retail bookmaker is licensed. Remote operators already moved to GRAI licences from July 1, 2026. For PSPs the onboarding check changes registers, and GRAI licensees carry the 2024 Act's payment-side rules, including the credit card ban on gambling funding.
- OffshoreLicensing & market access
Curacao: critical B2B suppliers must be CGA-registered
End of the two-year LOK transition: licensees cannot buy critical services from unregistered suppliers after this date, and the registration duty can reach payment vendors. Local staffing enforcement follows on April 1, 2027, with detail still unpublished.
Curacao payment access map
Already in force, 2026 year-to-date
Binding since earlier this year. Kept on the calendar because the operational tail (migrations, ratio effects, enforcement) is still live.
- US & CanadaLicensing & market access
California AB 831: sweepstakes ban in force
Dual-currency sweepstakes casinos become unlawful, and the statute reaches the money: payment processors face criminal exposure up to $25,000 per violation. The first state law to put processors, not just operators, in the liability chain.
Sweepstakes processor-liability breakdown - EUAML & enforcement
Slovakia: PSPs must block payments to blacklisted gambling merchants
Act 261/2025 rewrote the blocking regime: Slovak banks, payment institutions and e-money institutions block payments to accounts and merchant IDs on URHH's weekly prohibited-offers list directly on the basis of the list, no court order, within five days of each update. A blacklisted MID kills card deposits from Slovak payers entirely; the first lists under the new regime applied from the start of 2026.
Slovakia market page - EUTax & duty
DAC8: EU crypto rails become tax-reported
Directive 2023/2226 applies: crypto-asset service providers, MiCA-authorized or not, must collect tax self-certifications and TINs from EU-resident users and report their transactions, with calendar 2026 as the first reportable period and exchange due by September 30, 2027. Every crypto on-ramp and payout rail in an EU-facing cashier loses its quasi-anonymity; pick DAC8-ready crypto partners or inherit the gap.
Crypto gateways for iGaming - EULicensing & market access
Finland: license applications open ahead of market liberalization
The National Police Board began taking applications under the new Gambling Act on March 1; the licensed market itself opens July 1, 2027, ending Veikkaus exclusivity over online casino and betting. The runway matters for payments: pay-by-bank rails dominate Nordic cashiers, and operators applying now are assembling their Finnish stacks through 2026.
- GlobalCard networks
Visa VAMP: merchant Excessive threshold drops to 1.5%
Down from 2.2% in NA, Europe and AP (CEMEA stays at 2.2%). Fraud-coded disputes count twice (TC40 plus TC15), so a casino book where bet-regret disputes dominate reaches the line at roughly 0.75% real dispute rate.
Visa VAMP deep dive - UKTax & duty
UK: Remote Gaming Duty 21% becomes 40%
Finance Act 2026 s.86, applying to accounting periods from April 1. Remote gaming only; the remote betting rise to 25% lands April 2027 as a separate line. The duty is charged on a place-of-consumption basis, so the geolocation and KYC signals in the payment stack directly determine tax liability, and a near-doubled tax line makes processing fees one of the few compressible costs UK-facing operators have left.
UK market page - BrazilTax & duty
Brazil: government take on betting GGR starts climbing (LC 224)
Lei Complementar 224/2025 cuts the licensed operator's share of fixed-odds proceeds from 88% to 87% in 2026, 86% in 2027, then 85% plus a permanent 3% social-security slice, with the betting articles producing effects from April 1, 2026. The same law's art. 6 makes financial institutions and PSPs jointly liable if they keep processing for unauthorized operators after regulatory notice.
Brazil market page - GlobalCard networks
Visa CE 3.0 expands to non-disputed fraud reports
Qualified Compelling Evidence 3.0 remediation now also reaches TC40 fraud reports that never became chargebacks, taking them out of the VAMP ratio. Casinos hold the evidence CE 3.0 wants: login IDs, device IDs, deposit history.
Full CE 3.0 breakdown - Asia-PacificLicensing & market access
India: PROG Rules in force, OGAI payment gate live
Real-money online gaming is federally banned, and Rule 19 makes banks and payment intermediaries verify a game's Certificate of Registration before processing, then block flagged transactions on OGAI direction. Repeat violations carry up to 2 crore rupees and 3-5 years.
Asia payments map - EULicensing & market access
Sweden: total credit-funded gambling ban
Credit cards, overdrafts, personal loans and BNPL are all barred at licensed operators; only own-funds debit survives. The start moved from the proposed April 1 to May 1. First EU state to go this far, with fines up to 10% of revenue.
Credit-ban tracker - BrazilPayment rails
Brazil: Pix Credito banned for betting deposits (MP 1.355)
Article 16 bars financial institutions from extending credit operations tied directly to betting transfers, closing the credit-linked-Pix loophole left by the 2023 credit card ban. Bradesco and Banco do Brasil kept the feature live until mid-May. Conversion vote due September 14.
Brazil credit ban playbook - BrazilAML & enforcement
Brazil: illegal-betting indicators join BCB fraud data-sharing (Resolucao 569)
The central bank's fraud-marker system now covers signs of unlicensed betting operation, including financial and payment services rendered to unauthorized operators. Phased duties follow: virtual-asset category by October 30, mandatory reporting from December 1.
LATAM payments map - GlobalCard networks
Mastercard specialty-merchant registration fees overhauled
A separate program from the scam-monitoring SMMP despite the similar acronym: the Specialty Merchant Registration Program, the high-risk registration umbrella that covers MCC 7995, moved to a $1,000 annual per-merchant registration fee, a new $50,000-per-year High-Risk Acquirer License Fee, and new per-transaction specialty fees, per processor bulletins. Acquirers pass these through, so gambling merchants should expect the new line items in 2026-27 pricing reviews.
Acquirer underwriting breakdown - BrazilAML & enforcement
Brazil: 24-hour blocking orders and joint tax liability (Decreto 13.033 + Portaria 1.766)
Decreto 13.033 created the notice-and-block framework; the 24-hour blocking duty it points to starts 28 August 2026 under CMN Resolution 5.320. Joint tax liability for institutions that keep serving a notified operator comes from LC 224/2025 (December 2025); the June 17 Portaria MF 1.766 sets the joint SPA/Receita notification procedure. The PSP carries the illegal book's tax risk once notified.
LATAM payments map - UKLicensing & market access
UK: RTS 12 phase 1, new deposit-limit definition live
The Annex 2 definitional change lands: deposit limits move to the gross model in regulation, ahead of the phase 2 systems mandate. Cashier and PSP webhook contracts feel this before players do.
RTS 12 migration playbook - EUCrypto
MiCA transitional cliff: unauthorized CASPs out of EU crypto
The eighteen-month grandfathering window closed with no extension. A crypto processor without a CASP authorization (or an Article 60 bank notification) can no longer lawfully serve EU clients; pending applicants can onboard nobody new. Check the register by legal entity, not brand. Where our catalog stands: three providers hold their own CASP authorization (CoinGate, Nuvei via Simplex, BVNK), Banking Circle runs on the Article 60 bank route, and CoinsPaid's application is pending, which is not authorization.
MiCA register audit - US & CanadaLicensing & market access
Indiana: sweepstakes ban in force
Third state wave of 2026 after California and the late-2025 signings. The pattern that matters for payments: each new statute names the money chain, and processors keep exiting the vertical ahead of effective dates.
Sweepstakes processor-liability breakdown - EULicensing & market access
Ireland: first GRAI remote betting licenses in force
The Gambling Regulatory Authority of Ireland issued its inaugural remote betting licenses on July 1 after a February-June application window. Online casino sits in a later phase: remote gaming licensing waits on a separate commencement order, and B2B licenses are not expected before 2027. Processing for Irish-facing books moves onto a licensed footing in stages.
- US & CanadaLicensing & market access
Alberta opened to private operators
Canada's second open market launched at midnight with 15+ brands live (50 registered with AGLC) and centralized self-exclusion in place from day one. The published standards regulate KYC, single accounts and the exclusion API but prescribe no payment methods; credit cards survived in the day-one cashiers.
Alberta launch: the payments read - Asia-PacificLicensing & market access
New Zealand: online casino license race opens (EOI window)
The expression-of-interest window for up to 15 online casino licenses runs July 17 to August 14, with the auction expected in September and full applications in October. A regulated market is being built from scratch on a December 1 launch schedule, and the cashier and processing contracts are being decided in exactly this window.
- US & CanadaCrypto
GENIUS Act: rulemaking deadline passed, zero final rules
The statutory 12-month deadline for six agencies' implementing regulations came and went with every rule still a proposal, and the pipeline widening (FinCEN's CIP NPRM runs to Aug 21). The Act has no fallback for the miss: the effective date now runs off the January 18, 2027 statutory floor, and the July 18, 2028 non-PPSI prohibition stands unmoved.
GENIUS Act for US cashiers - GlobalCard networks
Mastercard SMMP in force: scam flags on a 72-hour clock
The Scam Merchant Monitoring Program took effect on schedule: acquirers and payment facilitators must open and complete a scam investigation within 72 hours of a trigger, and a confirmed scam means immediate Mastercard and Maestro termination, no fine tier, no remediation window (the deliberate contrast with ECM and EFM). Refund-plus-chargeback ratios above 5% and issuer scam reports coded 56 sit among the vendor-published triggers, and the first true acquirer bulletin (PAYSTRAX) tells merchants to notify their acquirer of new markets, traffic sources and affiliates.
Mastercard EFM and ECP breakdown - US & CanadaLicensing & market access
Maine: sweepstakes ban and online credit-card ban in force
Two laws landed together, both non-emergency statutes from the session that adjourned sine die on April 29 and therefore effective ninety days later. LD 2007 outlaws dual-currency sweeps with $10,000-$100,000 civil penalties, and LD 2080 bars credit cards for licensed online sports betting and iGaming. Trade press dated both to July 14; the legislature's own effective-date rule puts them at July 29.
Sweepstakes processor-liability breakdown - EUAML & enforcement
Sweden: Spelpaus verification rules tighten (SIFS 2026:3)
The decided text mandates register checks at three moments only: direct marketing, player registration, and every login, split across a marketing API and a login API under the licensee's own Actor ID. No deposit-time or in-session trigger exists; trade reports describing both did not survive the published regulation. Entered into force August 1 as scheduled, no postponement.
Pay N Play architecture
2027 and beyond
The build-planning horizon: far enough out to architect for, dated enough to put in a roadmap.
- EULicensing & market accessdate not final
Ireland: remote gaming (online casino) licensing phase
GRAI's remote betting licenses came first; online casino licensing needs its own commencement order, expected as the next phase, with B2B licenses slated for 2027-2028. Until then Irish online casino keeps operating on the legacy footing while betting already runs GRAI-licensed.
- US & CanadaCryptodate not final
US: PPSI AML program requirements take effect
Per the April 2026 FinCEN/OFAC proposed rules, stablecoin-issuer AML and sanctions program duties take effect in January 2027. Still an NPRM timeline until final rules land, so treat as planning date, not law.
GENIUS Act for US cashiers - EUPayment rails
SEPA Instant: non-euro EU must receive
PSPs in Sweden, Denmark, Poland and the rest of the non-eurozone EU group must be reachable for SEPA Instant, with equality of charges applying in non-euro currencies. Reachability gaps in those corridors stop being an excuse.
SEPA Instant payouts audit - US & CanadaCrypto
GENIUS Act: effective-date floor
Section 20 makes the Act effective at the earlier of 18 months after enactment (this date) or 120 days after final rules. If rulemaking slips past mid-2026, this floor is what operators plan against.
GENIUS Act for US cashiers - OffshoreLicensing & market accessdate not final
Curacao: local key-person enforcement begins
The delayed local-substance mandate starts, with the detailed requirements still unpublished as of mid-2026. Watch CGA guidance through late 2026 before committing to a staffing structure.
Curacao payment access map - UKTax & duty
UK: remote betting duty rises to 25%
Enacted alongside the Remote Gaming Duty rise, Finance Act 2026 s.87: General Betting Duty on remote bets goes to 25%, while remote bets on UK horse racing and bets placed on self-service terminals in licensed premises stay at 15%. The online-versus-retail split becomes a tax line, which omnichannel bookmakers will want reflected in how their payment stack routes and reports channel data.
UK market page - EULicensing & market access
Finland: licensed market opens
The Veikkaus monopoly ends for online casino and betting; applications have been open since March 2026 at a 22% GGR tax. A new regulated cashier perimeter in a Pay N Play heartland.
Europe payments map - EUPayment rails
SEPA Instant: non-euro EU must send
The sending mandate completes the non-eurozone rollout. Until then, instant-payout claims from Stockholm or Warsaw banks are voluntary products with patchy reachability.
SEPA Instant payouts audit - EUAML & enforcement
EU AML Regulation: anonymous prepaid squeeze
Acquirers are barred from accepting anonymous prepaid cards issued in third countries, and anonymous instruments generally tighten. Account-based voucher flows survive this world; purely anonymous ones do not.
Voucher payments hub - EUAML & enforcement
AMLR applies: the single EU AML rulebook reaches gambling
Regulation 2024/1624 becomes directly applicable: gambling providers are obliged entities EU-wide, CDD triggers at EUR 2,000 on stakes or winnings including linked transactions, and no member state can exempt casinos, online gambling or betting. AMLA's published list of ~40 directly supervised financial institutions lands around end-2027, with Frankfurt supervision of the payment layer from 2028.
AMLA and iGaming payments - EUPayment rails
Netherlands: iDEAL decommissioned, Wero takes over
The rail carrying 50%+ of Dutch deposits changes name, not necessity: mandatory iDEAL-Wero co-branding since Q1 2026, consumer migration from Q4 2026, and the old scheme switches off end-2027. Cashier logos, statement descriptors and PSP contracts all touch this.
Europe payments map - US & CanadaCrypto
GENIUS Act: non-PPSI stablecoin prohibition (the USDT cliff)
Digital asset service providers can no longer offer or sell a stablecoin to US persons unless the issuer is a Permitted Payment Stablecoin Issuer. Unless Tether clears the foreign-issuer path, USDT drops off US-facing rails; treat USDT lines in any US integration as a dated feature.
GENIUS Act for US cashiers - GlobalAML & enforcement
FATF Recommendation 16: payment-transparency compliance deadline
The June 2025 update extends the Travel Rule's scope to fraud prevention and proliferation financing, with financial institutions required to comply by 2030. Expect PSPs to push for richer originator data fields from 2027-2029 as the deadline approaches.
FATF Travel Rule audit
Watch list: no date yet, real consequences
Items that will earn a dated row the moment a primary source fixes one.
Malta Article 56A / CJEU C-683/24
The Commission's infringement procedure over Bill 55 (June 2025 formal notice) is paused in practice while the Court decides C-683/24; the Advocate General opined in April 2026 and a ruling is expected late 2026 to early 2027. If Article 56A falls, refund-claim exposure for MGA books on German and Austrian players lands back in chargeback and acquirer-risk territory.
Visa VAMP: next threshold move
No further threshold change is announced after April 2026. The ratio to actually watch is your own: fraud-coded double counting means the effective tolerance for a casino book is roughly half the printed line.
Visa VAMP deep diveUS sweepstakes wave, next states
Bills naming payment processors keep moving (New York's signed processor-liability statute, Tennessee, Louisiana, Minnesota). Effective dates get added here once they are verifiable from the legislatures rather than trade press.
How we maintain this
Dates come from primary sources: regulator publications, legislature records, card-network and acquirer bulletins, the Federal Register and the EU Official Journal. Trade-press dates get re-verified before they earn a row, because they drift; two entries on this page (Sweden's credit ban and Maine's effective date) had wrong dates circulating in industry coverage until we checked the legislature's own records.
The calendar is a by-product of the research behind our articles, so it updates whenever the underlying pieces do: rows move from upcoming to in-force by hand at each refresh, TBC rows get real dates when primary sources publish, and new obligations get added the day we verify them. The visible "Updated" date above reflects the last substantive pass, and it is the same date our sitemap and structured data carry, not a decorative timestamp.
Spot a payments deadline we are missing? Tell us and include the primary source; that is the fastest way onto the page. And treat all of this as research rather than legal advice: confirm anything load-bearing with counsel before you commit a build or a contract to it.
FAQ
The dated ones: Mastercard SMMP enforcement July 24 (72-hour scam investigations, termination with no fine tier), Maine's sweepstakes and online credit-card bans July 29, Sweden's tightened Spelpaus verification August 1, Brazil's MP 1.355 window closing August 31, UK RTS 12B gross deposit limits September 30, Curacao's B2C terms deadline October 8 and B2B supplier registration December 24, the SEPA structured-address mandate November 15, and Brazil's mandatory Fraud Marker reporting December 1. AMLA's Q3 milestone is plumbing, not selection: data collection from national supervisors closes August 15, a provisional list of eligible entities is due by end-September, the first selection lands in 2027, and direct supervision starts in 2028.
Three 2026 changes work as one system. Visa VAMP's merchant threshold fell to 1.5% on April 1, and fraud-coded disputes count twice, so a casino's effective tolerance is roughly 0.75%. CE 3.0's April 18 expansion is the subtraction lever: qualified evidence takes disputes, and now undisputed TC40s, out of that ratio. Mastercard SMMP starts enforcing July 24 with a different shape entirely: no ratio glide path, just a 72-hour investigation and termination if the scam flag sticks.
EU and US clocks run separately. MiCA's transitional period ended July 1, 2026: a crypto processor without CASP authorization can no longer lawfully serve EU clients. The US GENIUS Act cascade runs longer: final agency rules were due July 18, 2026 and were missed; the Act takes effect on the earlier of January 18, 2027 or 120 days after final rules, so that date is the latest start rather than a floor, and the prohibition on non-PPSI stablecoins (the USDT cliff for US-facing rails) lands July 18, 2028.
Every row comes from a primary source (regulator publications, legislature records, network bulletins, the Federal Register) verified during the research behind our articles, and most rows link to the full breakdown. Rows move between sections manually when we refresh the underlying article, so the page never auto-claims a deadline passed that actually slipped. Expected-but-unfixed dates carry a TBC flag instead of a guessed day.
No. It is independent research built for payments and compliance teams to plan against, with sources one click away. Effective dates change, transitional guidance gets issued, and jurisdictions differ in how they enforce, so confirm anything load-bearing with counsel and the primary source before you commit a build or a contract to it.
The rules behind the dates
The calendar tells you when. The compliance guide and the network-program deep dives tell you what to build.