Regulation hits the P&L lastWe map it first
Regalith tracks EU regulation from first proposal and quantifies the financial impact before the law bites.
Live regulatory stream
The Cost · the European regulatory corpus by the numbers
Fact 01
Source: European Commission, EUR-Lex; May 2026
100,007
EU legislative acts since 1957
40,000+ currently in force.
Fact 02
Source: Draghi Report, 2024
+729%
Growth in EU law volume since 1994
+101% since the Lisbon Treaty (2010). +14% from 2020–2024 alone.
Fact 03
Source: European Investment Bank Survey, 2024
€150B
Annual compliance burden in Europe
60% of EU firms cite regulation as their main obstacle to investment.
Fact 04 · The point
Source: Regalith analysis of EU/US scaling data, 2026
27×
The complexity of operating in 27 jurisdictions vs one US market
Only 1.7% of EU firms reach 20+ employees by age 3 (vs 3% in the US). The fragmentation tax is real.
The Horizon
Last curated · 26 MAY 2026
What others monitor.We see what's coming.
Other tools report what's been enacted. Regalith tracks the pipeline, proposals, drafts and national transpositions, and quantifies the cost before the law bites.
~2,000
new EU rules per year
+14%
regulatory growth 2020–2024
~4,000
implementing acts per year
27
jurisdictions per directive
Tracked this quarter
127
in proposal84
in draft12
in vote2,041
enacted YTD| Stage | Count |
|---|---|
| in proposal | 127 |
| in draft | 84 |
| in vote | 12 |
| enacted YTD | 2,041 |
The Translation Gap
One regulation, five vocabularies
All quoting the same EU AMLA paragraph
Legal
“Article 16(1) requires enhanced due diligence on high-risk customers, with documentation retained for ten years post-relationship.”
Compliance
“We will need a new EDD workflow, three additional verification controls, and updated training across the onboarding team.”
Operations
“This will add about two to four steps to the customer journey. We do not yet know what that does to drop-off.”
Finance
“Someone will eventually ask what this costs. Until then, the number is a placeholder in the compliance budget line.”
Strategy
“We will deal with the strategic implications when the operational impact is clearer, which usually means after the damage is done.”
Regalith collapses these five voices into one structured impact model
Dossier
№01Jurisdiction
European Union · 27 statesStatus
Enacted · effective 2027-07-01AMLA
Regulation (EU) 2024/1620Anti-Money Laundering Authority: establishing direct EU-level supervisory powers over high-risk financial institutions.
The ledger · base scenario · European fintech · €100M ARR
Compliance cost
- €450K – €800Kone-time + recurring · annualized80% conf.
Headcount impact
- +3 – +6 FTEcompliance + ops + monitoring85% conf.
Conversion
- −8% to −15%on onboarding completion78% conf.
EBITDA · Year 1
- −€540K – −€1.3Mconfidence-weighted total72% conf.
The chain · regulation → EBITDA
Regulation
EU AMLA Reg.
95% conf.Obligation
Enhanced KYC
90% conf.Driver
+2–4 verification steps
85% conf.Metric
Onboarding conversion rate
78% conf.Financial
Revenue loss
72% conf.Impact
−€540K to −€1.3M
72% conf.
The Comparison
Two emails arrive about the same regulation
One from your current monitoring tool. One from Regalith. Read both.
The Standard Alert
From: regulatory-updates@vendor.eu
Subject: EU AMLA, Update
This regulation may affect your company. Please consult with your compliance team for further guidance.
Severity: Medium
Status: Enacted
Action required: Review
End of alert
The Regalith Insight
Dossier: EU AMLA · Cohort: EU Fintech, €100M ARR
Customer servicing cost: +8 to +12%
+3 onboarding controls, +2 compliance FTE
Segment EBITDA: −€1.4M annually
Confidence 85% / Conservative scenario / 10 sources
Reviewed by M. Kowalski / Updated 2026-01-15
The engine
How a regulation becomes an EBITDA range
- 01
Regulatory ingestion
Laws, drafts, guidelines, enforcement signals
Sample artifact: Regulation (EU) 2024/1620, full text, classified by jurisdiction, topic, and effective date. Versioned. Diffable. - 02
Company model
Products, processes, vendors, unit economics
Sample artifact: 37 entities across 12 categories: products, segments, jurisdictions, processes, vendors, KPIs. Each entity carries provenance and approval status. - 03
Impact model
Obligations → drivers → metrics → financial
Sample artifact: A directed graph of 16 nodes and 26 connections. Each node holds a confidence score and an adjustable parameter. Every edge is auditable. - 04
Decision engine
Paths, trade-offs, recommendations
Sample artifact: 3 decision paths with cost, risk reduction, conversion impact, complexity, timeline, and confidence. One marked RECOMMENDED.
The decision tree · EU AMLA
You have three ways to comply. Here is what each one costs
Minimal compliance upgrade
- Cost
- €250K – €400K
- Risk red.
- 30–45%
- Conversion
- −3% to −5%
- Complexity
- Low
- Timeline
- 60–90 days
- Confidence
- 70%
Trade-offs
- Cost vs risk: low spend, residual risk.
- Speed vs compliance: fast, only partial.
- Conversion: minimal impact.
Best for
Companies with strong existing AML infrastructure.
★ Recommended
Full process hardening
- Cost
- €700K – €1,200K
- Risk red.
- 80–95%
- Conversion
- −10% to −15%
- Complexity
- High
- Timeline
- 120–180 days
- Confidence
- 90%
Trade-offs
- Cost vs risk: high spend, near-zero risk.
- Conversion: short-term hit, long-term gain.
- Speed vs compliance: slow, gold-standard.
Best for
Companies prioritizing long-term compliance positioning.
Phased adaptive approach
- Cost
- €400K – €700K
- Risk red.
- 55–75%
- Conversion
- −5% to −8%
- Complexity
- Medium
- Timeline
- 90–150 days
- Confidence
- 80%
Trade-offs
- Cost vs risk: moderate, progressive.
- Conversion: controlled, room to optimize.
- Speed vs compliance: balanced, meets dates.
Best for
Companies with moderate AML maturity seeking balance.
System recommendation
Full process hardening: a complete overhaul of AML controls, screening systems, and reporting workflows to exceed AMLA requirements
Provenance ledger · EU AMLA impact model
A working audit trail
Every source. Every confidence. Every reviewer. Every date.
| Parameter | Value | Source | Conf. | Reviewer | Updated |
|---|---|---|---|---|---|
| Drop-off per step | 6% | Internal client dataClient data | 92% | A. Nowak | 2026-01-22 |
| Verification steps | +3 steps | Onfido 2024 reportBenchmark | 85% | M. Kowalski | 2026-01-15 |
| Onboarding conv. rate | 68% | Client funnel exportClient data | 95% | A. Nowak | 2026-01-22 |
| Compliance FTE cost | €95K / yr | Hays Salary Guide 2025Benchmark | 88% | K. Wiśniewski | 2026-01-10 |
| AMLA reporting cadence | Quarterly | Reg (EU) 2024/1620Regulation | 100% | enforced | 2024-05-30 |
Drop-off per step
- Value
- 6%
- Source
- Internal client dataClient data
- Conf.
- 92%
- Reviewer
- A. Nowak
- Updated
- 2026-01-22
Verification steps
- Value
- +3 steps
- Source
- Onfido 2024 reportBenchmark
- Conf.
- 85%
- Reviewer
- M. Kowalski
- Updated
- 2026-01-15
Onboarding conv. rate
- Value
- 68%
- Source
- Client funnel exportClient data
- Conf.
- 95%
- Reviewer
- A. Nowak
- Updated
- 2026-01-22
Compliance FTE cost
- Value
- €95K / yr
- Source
- Hays Salary Guide 2025Benchmark
- Conf.
- 88%
- Reviewer
- K. Wiśniewski
- Updated
- 2026-01-10
AMLA reporting cadence
- Value
- Quarterly
- Source
- Reg (EU) 2024/1620Regulation
- Conf.
- 100%
- Reviewer
- enforced
- Updated
- 2024-05-30
Summary
5 parameters · avg confidence 92% · 2 client, 2 benchmark, 1 regulationThe empty layer
The RegTech stack. Where the value sits
- 01
Monitoring
What changed?
Players
CUBE, Corlytics, Wolters Kluwer, Ascent, Vixio, Cardamon (YC), FinregE
Crowded
7+ players - 02
Applicability
Does it apply to us?
Players
Ascent, Cardamon, CUBE, Corlytics, Regology
Crowded
5+ players - 03
Operational impact
Which processes change?
Players
Corlytics (trends only), OneTrust (qualitative only)
Crowded
2 partial - 04
Financial impact
How much in EUR?
Players
No scalable software exists. Consulting firms only.
Empty
Regalith.
Three layers are commodity. Layer 4 is where the boardroom lives
Regalith competitive analysis, May 2026Pilot program
See the financial impact of regulation, quantified
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