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Insights from our FinCrime specialistsClear answers onfinancial crime compliance.

Practical guidance on AML operations, MiCAR authorisation, independent AML audits and training, written by the team that does the work every day.

The end of selfie KYC? Onboarding, AI and the AMLR in 2027

From July 2027, EU rules demote selfie-and-ID checks and put a human behind every AI onboarding decision. What changes, and how to redesign now.

8 November 2026 · 10 min read

MiCAR Authorisation

MiCAR authorisation: what supervisors look for in your AML framework

Why the AML framework is one of the first things supervisors test in a MiCAR CASP application, and the documents that make it credible.

8 November 2026 · 2 min read Independent AML Audit

How to prepare for your first independent AML audit

What an independent AML audit tests, the evidence to prepare, how findings are rated, and how to turn them into a credible remediation plan.

8 November 2026 · 2 min read MiCAR Authorisation

Stablecoins and AML: who owns the risk after you hit send?

Stablecoins now carry most illicit crypto flows. What FATF, MiCAR, the EBA and the GENIUS Act expect from issuers, exchanges, fintechs and casinos.

21 October 2026 · 8 min read

By enhancing transparency and fostering trust, we build a safer financial future for all.

AskRegulations is a financial crime compliance consultancy for fintech, payments, crypto and regulated gaming firms, operating through AskRegulations Ltd in Sofia (EU) and AskRegulations Gulf – FZCO in Dubai (UAE), serving clients worldwide.

01 / Services

02 / Company

03 / Contact

office@askregulations.com
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Sofia, Bulgaria · Dubai, UAE

Legal · Legal notice

Legal notice

The companies behind AskRegulations, and how to reach them.

Effective: 7 November 2026
Owner: AskRegulations Ltd
Review: At least annually
Next review: November 2027

1. Two companies, common ownership

1.1AskRegulations operates through two separate companies under common ownership.

1.2Each company contracts in its own name and is responsible only for its own services. Neither company acts as agent for the other or guarantees the other’s obligations.

1.3The companies operate independently. Each serves its own region, keeps its own client records and handles personal data under its own responsibility. Neither company shares personal data or client records with the other.

1.4Your engagement terms state which company provides your services.

2. AskRegulations Ltd (European Union)

2.1Operator of this website. Provides the services described on this website to clients in the European Union and in other regions outside the United Arab Emirates, including AskRegulations Academy.

Company: AskRegulations Ltd („АскРегулейшънс“ ЕООД), a sole-owner limited liability company registered in the Commercial Register of the Republic of Bulgaria
Company number (UIC): 207946197
Registered seat and address of management: 27D Srebarna Street, entrance B, floor 4, apartment 14, Lozenets district, 1000 Sofia, Bulgaria
Email: office@askregulations.com

3. AskRegulations Gulf – FZCO (United Arab Emirates)

3.1Provides management consultancy services to clients in the United Arab Emirates, within the scope of its licence and any permits required under UAE law.

Company: AskRegulations Gulf – FZCO, a free zone company (FZCO)
Trade licence: No. 74429, issued by the Dubai Integrated Economic Zones Authority
Licensed activity: Management consultancies
Licensed address: IFZA Properties, Dubai Silicon Oasis, Dubai, United Arab Emirates

3.2AskRegulations Gulf – FZCO does not operate this website and does not receive personal data through it.

4. Professional status

4.1AskRegulations provides financial crime compliance consultancy, operational support, independent AML audits and training.

4.2Neither company is a law firm, a statutory audit firm or a regulated financial institution, and neither provides legal advice or statutory audit services.

4.3Information on this website is general information, not advice. Our terms of use explain this in full.

5. ICA partnership

5.1AskRegulations Academy, operated by AskRegulations Ltd, is an official partner of the International Compliance Association (ICA) for Bulgaria and the Balkan region.

5.2ICA qualifications are awarded by the International Compliance Association.

6. Contact

6.1For any legal, privacy or accessibility matter concerning this website, email office@askregulations.com.

Legal · Privacy notice

Privacy notice

How we handle personal data when you visit this website, contact us or work with us, under the EU General Data Protection Regulation (GDPR) and Bulgarian data protection law.

Effective: 7 November 2026
Owner: AskRegulations Ltd
Review: At least annually
Next review: November 2027

1. Who is responsible for your data

1.1AskRegulations Ltd („АскРегулейшънс“ ЕООД), UIC 207946197, 27D Srebarna Street, entrance B, floor 4, apartment 14, Lozenets district, 1000 Sofia, Bulgaria, operates this website and is the only controller of personal data collected through it, including through the contact form.

1.2AskRegulations Gulf – FZCO, a separate company under common ownership, does not operate this website and does not receive personal data through it. AskRegulations Ltd does not share personal data with AskRegulations Gulf – FZCO, and AskRegulations Gulf – FZCO does not share personal data with AskRegulations Ltd.

1.3For any privacy question or request, email office@askregulations.com.

2. Scope

2.1This notice covers visitors to this website, people who contact us or book a meeting, people who register interest in AskRegulations Academy, and the business contacts and clients of AskRegulations Ltd.

2.2When we handle personal data for clients as part of our services, such as reviewing alerts or KYB files, we do so on our client’s instructions and under our engagement terms. Our client’s privacy notice applies to that data.

3. What we collect, why, and for how long

Activity	Personal data	Purpose	Legal basis (GDPR)	Retention
Contact form	First and last name, company (optional), email address, subject, message, the page you sent it from and the time	To reply to your enquiry	Steps you ask us to take before a contract, Art. 6(1)(b); where you write on behalf of a company, our legitimate interest in responding, Art. 6(1)(f)	Up to 24 months after our last contact, unless an engagement follows
Emails and meetings	What you send us; the details you give when booking a meeting on Calendly	To correspond with you and hold meetings	Art. 6(1)(b) or 6(1)(f), as above	As above
Academy enquiries	Name, email address and the qualification or training you ask about	To answer your enquiry and send ICA partner discount details	Art. 6(1)(b)	Up to 24 months after our last contact
Clients and business contacts	Contact details, role, correspondence, contract and billing records	To deliver services, manage the relationship and keep accounts	Contract, Art. 6(1)(b); legitimate interests, Art. 6(1)(f); legal obligations, Art. 6(1)(c)	For the engagement, then as long as accounting and tax law requires
Server logs	IP address, date and time, page requested, referring page and browser type	To keep the website secure and running, and to see overall use through statistics such as countries and device types	Legitimate interests, Art. 6(1)(f)	7 days, our hosting provider’s default
Spam protection	A one-way scrambled (hashed) form of your IP address	To block repeated automated form submissions	Legitimate interests, Art. 6(1)(f)	Up to 10 minutes

3.1Where we rely on legitimate interests, we have balanced them against your rights. You can object at any time (section 7).

4. Where your data comes from

4.1We collect personal data directly from you, from Calendly when you book a meeting, and automatically through our servers’ logs.

4.2Providing your details is voluntary, but we need your name, email address and message to reply to you.

5. Who we share it with

Recipient	What they do	Location and safeguard
DreamHost, LLC	Hosts this website, keeps server logs and sends contact form messages to us	United States. Standard Contractual Clauses in its data processing addendum
Our email service provider	Stores and delivers our email	Under its data processing terms
Calendly	Runs meeting bookings and shares each booking with us	United States. Under its own terms and privacy policy
Professional advisers and authorities	Advice under confidentiality, or disclosure where the law requires it	As the law requires

5.1Our service providers act on our instructions. We never sell personal data or share it for advertising.

6. International transfers

6.1Personal data leaves the European Economic Area only with a safeguard the GDPR recognises. For our hosting provider, that safeguard is the European Commission’s Standard Contractual Clauses in its data processing addendum.

6.2You can ask for a copy of the relevant safeguards by emailing office@askregulations.com.

7. Your rights

Right	What it means
Access	Receive a copy of your personal data and information about how we use it
Correction	Have inaccurate or incomplete data corrected
Deletion	Have your data deleted where there is no longer a reason to keep it
Restriction	Ask us to limit how we use your data, for example while a concern is checked
Objection	Object to use based on our legitimate interests
Portability	Receive data you gave us in a structured, machine-readable format
Withdraw consent	Where we rely on consent, withdraw it at any time, without affecting earlier use

7.1To use any right, email office@askregulations.com. We respond within one month. For complex requests this can be extended by up to two further months, and we will tell you if it is. We may ask you to confirm your identity. Requests are free of charge.

7.2We do not make decisions about you based solely on automated processing, including profiling.

8. Security

8.1We protect personal data with appropriate technical and organisational measures, including encrypted connections (HTTPS) and access limited to the people who need it.

9. Complaints

9.1You may complain to the Bulgarian Commission for Personal Data Protection (2 Prof. Tsvetan Lazarov Blvd, 1592 Sofia, www.cpdp.bg) or to the data protection authority where you live or work.

9.2We would appreciate the chance to resolve your concern first.

10. Other points

10.1This website is not directed at children.

10.2Other websites we link to, such as Calendly, LinkedIn and the International Compliance Association, are governed by their own policies.

10.3If you press play on a video in our Insights section, the video loads from YouTube, which then handles your data under its own privacy policy.

10.4We review this notice at least once a year and whenever our processing changes.

Legal · Cookie notice

This website does not use cookies, and does not store anything on your device.

Effective: 7 November 2026
Owner: AskRegulations Ltd
Review: At least annually
Next review: November 2027

1.1This website does not use cookies or similar technologies, such as local storage, tracking pixels or device fingerprinting.

1.2As an added safeguard, our server is configured to remove any cookie from responses for these pages.

1.3This notice covers every page of askregulations.com.

Check	Result
Cookies set	0
Local storage and session storage	0 entries
Browser databases (IndexedDB)	0
Background scripts (service workers)	0
Requests to third parties when pages load	0

2.1Last tested 7 November 2026 on all six pages of this website. Method: automated browser audit of each page, including scrolling through every section and loading all visuals.

2.2We repeat this test after significant changes to the website.

3.1Like every website, your browser may keep temporary copies of files such as images, fonts and code so pages load faster. This is standard browser behaviour, strictly necessary to deliver the website. It does not identify or track you, and you can clear it in your browser settings at any time.

4.1Our hosting provider produces basic visitor statistics, such as countries and device types, from its server logs. This uses no cookies and stores nothing on your device. Our privacy notice explains how these logs are handled.

5.1When you choose to follow a link to another website, such as Calendly to book a meeting, LinkedIn or the International Compliance Association, that website may set its own cookies under its own policy.

5.2Articles in our Insights section may contain videos hosted on YouTube. They load nothing from YouTube until you press play; once you do, YouTube may set its own cookies under its own policy.

6.1If we ever introduce cookies or similar technologies, we will update this notice first and ask for your consent wherever the law requires it.

Legal · Terms of use

Terms of use and disclaimer

The terms that apply when you use this website.

Effective: 7 November 2026
Owner: AskRegulations Ltd
Review: At least annually
Next review: November 2027

1. About these terms

1.1This website is operated by AskRegulations Ltd, UIC 207946197. It also gives information about AskRegulations Gulf – FZCO, a separate company under common ownership.

1.2By using this website you accept these terms.

2. Which company you deal with

2.1Each AskRegulations company contracts in its own name and is responsible only for the services it agrees to provide. The companies operate independently and do not provide services on each other’s behalf.

2.2Your engagement terms state which company provides your services and the law that governs them.

3. Information, not advice

3.1The content of this website is general information about our services and the regulatory topics we work on. It is not legal, regulatory, tax, audit or financial advice, and it should not be relied on as such.

3.2Visiting this website or contacting us does not create a client relationship. We provide services only under written engagement terms.

4. Sample materials

4.1Sample documents, such as our sample audit report, illustrate the format and depth of our work. They are not advice for your firm and should not be relied on.

5. No guarantee of outcomes

5.1Regulatory decisions, including licences, authorisations and the results of inspections or audits, rest with the competent authorities and with each firm. We do not guarantee any regulatory outcome.

6. Accuracy and availability

6.1Regulation changes often. We work to keep this website accurate and current, but we make no warranty that its content is complete, accurate or up to date at all times.

6.2We may change, suspend or withdraw any part of this website without notice.

7. Intellectual property

7.1The content, design, visuals and the AskRegulations name and logo are owned by AskRegulations Ltd or used under licence.

7.2You may view and share pages for your own information. You may not reproduce or commercially use our content without written permission.

8. Third-party trademarks

8.1The ICA name and logo are trademarks of the International Compliance Association, used by AskRegulations as an official ICA partner. Other names and marks belong to their respective owners.

9. Links to other websites

9.1Links to other websites are provided for convenience. We are not responsible for their content, availability or privacy practices.

10. Acceptable use

10.1Do not use this website unlawfully, attempt to gain unauthorised access, or interfere with its operation.

10.2Automated access by search engines and similar services is welcome within the rules of our robots.txt file.

11. Liability

11.1To the fullest extent permitted by law, we are not liable for any loss arising from use of, or reliance on, this website or its content.

11.2Nothing in these terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for intent or gross negligence.

12. Governing law

12.1These website terms are governed by the laws of the Republic of Bulgaria, and the competent courts in Sofia have jurisdiction, without prejudice to any mandatory rights you have under the law of your country.

12.2Services are governed by the engagement terms agreed with the relevant AskRegulations company.

13. Changes

13.1We may update these terms by publishing a new version here.

Legal · Accessibility statement

Accessibility statement

How accessible this website is, how we test it, and how to tell us about a barrier.

Effective: 7 November 2026
Owner: AskRegulations Ltd
Review: At least annually
Next review: November 2027

1. Our commitment

1.1We want this website to be usable by as many people as possible, including people who use a keyboard, a screen reader, magnification or reduced motion.

2. Conformance status

Item	Detail
Standard	WCAG 2.2, level AA
Status	Automated tests find no failures. A full manual audit by an independent specialist has not yet been carried out, so we do not claim full conformance.
Last tested	7 November 2026, all six pages
Method	Automated testing with axe-core against WCAG 2.0, 2.1 and 2.2 level A and AA rules; automated keyboard checks of navigation, visible focus, the contact form and pop-up windows

3. What we have built in

A “Skip to content” link as the first keyboard stop on every page.
Clear headings and page landmarks for screen readers.
Full keyboard navigation, with a visible focus indicator on every interactive element.
Pop-up windows that move focus inside, keep it there, close with the Escape key and return focus to where you were.
Text contrast that meets WCAG AA against the dark background.
Animations that stop when your device is set to reduce motion.
3D visuals that are decorative and hidden from screen readers, with all information also given as text. Devices that cannot display them see a still image.
Layouts that adapt to small screens.

4. Known limitations

4.1The 3D visuals and animations can be demanding on older devices.

4.2Labels shown on the 3D visuals repeat information that is already given in text.

5. Feedback

5.1If you find a barrier, or need content in another format, email office@askregulations.com. We will respond and, where we can, fix the issue or provide the information another way.

6. About this statement

6.1This statement is based on our own testing, described in section 2. We review it at least once a year and after significant changes to the website.