CySEC Finalizes €10,000 Settlement With MD&TR Consulting Ltd Over Unauthorized Administrative Services

by THEFUTURE.TEAM

October 22, 2025

The Cyprus Securities and Exchange Commission (CySEC) has imposed a €10,000 settlement on MD&TR Consulting Ltd in response to a potential breach of the law governing administrative service providers. This decisive action follows a board resolution dated July 28, 2025, with the official settlement announced on October 21, 2025.

Regulatory Oversight And Legal Framework

The matter centers on potential non-compliance with the Law Regulating Companies Providing Administrative Services and Related Matters of 2012, as amended. In particular, the focus was on Article 5(1), which clearly prohibits the provision of administrative services without proper authorization—a foundational principle for maintaining industry integrity.

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Investigation Timeline And Enforcement Authority

The investigation, encompassing the period from September 7, 2021 to April 10, 2024, scrutinized Md&tr Consulting Ltd’s adherence to the statutory requirements. CySEC invoked its powers under Article 37(4) of the Cyprus Securities and Exchange Commission Law of 2009, as amended, enabling the commission to enter into a settlement for any breach or potential violation found in its supervised legislation.

Financial Implications And Compliance

MD&TR Consulting Ltd has fulfilled its financial obligations by remitting the full settlement amount of €10,000. Consistent with legal stipulations, these funds are considered revenue for the Treasury of the Republic rather than income for CySEC, reinforcing the strict regulatory framework applied in this case.

Conclusion

This enforcement action underscores CySEC’s steadfast commitment to upholding regulatory standards within the administrative services sector. It serves as a clear signal to industry players regarding the importance of obtaining proper authorization and maintaining strict compliance with established legal frameworks.

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ECB Raises Deposit Facility Rate For First Time In Nearly Two Years

by THEFUTURE.TEAM

June 15, 2026

Economic Shift: ECB Reverses Years Of Declining Rates

The European Central Bank (ECB) confirmed its first interest rate increase in nearly two years, raising the deposit facility rate in response to inflationary pressures and geopolitical uncertainty. Marking a shift in monetary policy, the move follows a period of rate cuts aimed at supporting economic activity and easing financing conditions.

Reevaluation Of Bank Liquidity Strategies

Although the immediate impact will be felt by only part of the borrowing market, the decision carries broader implications for banks. During the period of lower rates, banks maintained significant amounts of excess liquidity with the ECB as returns on these funds declined alongside deposit rates. With the deposit facility rate increasing by 0.25 percentage points to 2.25% from 2.00%, returns on surplus liquidity are expected to improve.

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Higher interest rates, however, could also increase borrowing costs and influence lending conditions across the banking sector.

Transitioning Investment Approaches And Market Dynamics

Banks had already begun diversifying the use of excess liquidity through investments in bonds and by expanding lending activities.

Successive reductions in the deposit facility rate from 3.00% at the end of 2024 through four consecutive cuts in early 2025 reflected a more accommodative policy stance as inflation pressures moderated.

Sectoral Impact And Future Outlook

Data from the ECB’s 2025 monetary policy report show that liquidity in the Cypriot banking system declined from €19.2 billion at the end of 2024 to €18.6 billion by the close of 2025. Despite the reduction, liquidity levels remained elevated. Outstanding loans increased from €27.6 billion to €31.7 billion, while deposits recorded a slight decline. Customer deposits continued to account for the vast majority of funding. By the fourth quarter of 2025, they represented 95% of total liabilities, highlighting their importance as the banking sector’s primary source of financing.

Changes in ECB rates are expected to influence how banks manage liquidity and allocate capital as monetary conditions evolve.

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