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Regulatory Change Monitoring

Know about the rule change before your regulator asks whether you did.

Start monitoring freeSee how it worksFree · a sign-in link by email · no password, no card

The rule changed six weeks ago. Nobody noticed until the regulator asked.

That sentence is a compliance officer’s worst morning, and it never starts dramatically. Regulators do not announce themselves. A circular appears on a Tuesday afternoon. A consultation opens quietly and closes in six weeks. A technical standard lands without a press release, on a page nobody has visited since spring. And from the day it publishes, the clock is running towards a consultation’s closing date or the date a new rule starts to apply, whether or not anyone on your team happened to be looking.

Most compliance functions manage this the same way: a person, a bookmark folder, and a recurring calendar reminder. Every Monday morning, someone clicks through a dozen regulator websites, skims for anything new, and hopes. The country you’re licensed in gets covered properly; the other markets get covered when there’s time. It mostly works, right up until the day a supervisor asks “when did you become aware of this change?” and the honest answer is a shrug.

That question is why monitoring exists. You’re not just buying alerts. You’re buying the ability to show you were watching.

What Horizon is

Horizon watches the websites of regulators and public authorities and tells you, in plain English, when something new appears on a subject you follow.

It replaces the bookmark folder with automated daily monitoring: it follows the pages where regulators and public authorities publish (news, circulars, guidance, consultations, supervisory statements, enforcement decisions), detects when something of substance is published, explains each change in a few readable sentences, written by AI, with any deadline the source states, and emails it to you within minutes. Every alert links straight to the source, so the original is always one click away.

One thing Horizon is not, and we’ll say it plainly because it matters to this audience: Horizon is not a lawyer and does not give advice. It is pre-human screening: a fast, wide first pass that makes sure nothing lands unseen and tells you what deserves a human’s attention. The judgement stays with humans: yours, or when you want it, ours. Compliance teams have been burned by tools that claimed judgement they didn’t have. We’d rather under-promise and be right.

How it works

1

It watches regulators’ websites, every day

Horizon monitors a curated list of pages published by regulators and public authorities, and checks them every day, without anyone asking it to. Two things about that list matter. First, it is open: Horizon’s page names every source, so you can see exactly what is watched, and every alert links to the page it came from. Second, it is curated, not scraped: each page is on the list because it publishes something a customer would act on, and pages that turn out to be noise get removed. Fewer, better sources beat a firehose.

2

It notices what actually changed

When a monitored page changes, Horizon identifies what is new: not just “this page is different,” but “this specific item appeared.” You hear from Horizon when something of substance is published.

3

It explains the change in plain English

Nobody should have to open a forty-page consultation paper to find out whether it matters to them. Every alert keeps the same plain order:

  • The change in one sentence: the alert opens with it, and it is the email’s subject line.
  • A short summary, written by AI: what changed, and what it means.
  • What to do, where the change calls for action.
  • The deadline, where the source states one: the single most useful field. It converts a piece of news into a task with a date on it.
  • Who it concerns, where that applies.
  • A link to the source, always. Horizon summarises; the original document remains the record.

Illustrative alert

New technical standards on crypto-asset white paper disclosures have been published.

They set out what a white paper must disclose and in what format, and apply from the stated application date.

What to do
Review your white paper templates against the new standards.
Deadline
12 weeks from publication
Read the source ↗Horizon summarises; the original document remains the record.
01The change in one sentence02AI summary03What to do04Deadline where stated05Link to the source
4

It emails you within minutes

When the daily check finds something new on a subject you follow, Horizon emails you within minutes. You choose what to follow: as many subjects as you like, changed at any time, so the inbox stays relevant. Every email carries a link to stop those alerts.

Checked every dayEmailed within minutesFollow any number of subjects

What you follow: subjects

Each subject is one regulatory regime. You follow the subjects that match your business, as many as you like, and Horizon sends you what is new in them. Subjects include:

MiCA / CASP

The EU crypto regime: authorisation and conduct rules for crypto-asset service providers, plus the technical standards still landing after the main law.

Still tracking MiCA by hand? This is the subject that stops that.

Digital Asset Licensing (MiCA / CASP) →

DORA / ICT risk

The EU digital operational-resilience regime for financial entities and their technology suppliers.

UK Crypto & Promotions

UK cryptoasset registration, and the rules on how crypto may be marketed to UK consumers.

AI Regulation

The EU AI Act and its phased obligations for providers and deployers, where the relevant authority is often not a financial regulator at all.

AI Governance & Documentation →EU AI Act Readiness →High-Risk AI: Incorporation & Jurisdiction →
New subjects are added as regimes develop; the map grows.

Where Horizon looks

Coverage has two layers, and the distinction is the product’s real intelligence. There are union-level EU rules that bind every firm in the market, and there are national rules that bind only the firms supervised in that country. Horizon tracks both: the EU-level authorities whose output applies to everyone, and national authorities in Europe and beyond, where licensed crypto, payments and AI firms are based. Alongside financial regulators, that includes data protection and AI authorities.

Union-level EU rulesMaterial from EU-level authorities that binds every firm in the market: the rules nobody in the Union escapes.
Your national regulatorMaterial that binds only the firms supervised in that country, from national authorities in Europe and beyond, where licensed crypto, payments and AI firms are based.

The source list is deliberately curated rather than exhaustive, and sources are added all the time: a growing map, not a fixed catalogue. Want to know whether your jurisdiction is covered today? Horizon’s own page lists every source it checks, or just ask us about your jurisdiction. And if a page you care about isn’t on the list yet, ask Horizon to watch it: leave the link and your email, and we reply by email.

Who it’s for

BUILT FOR YOUThe one-person compliance functionIf you are the compliance officer and the research team and the person who reads consultations at 11pm, Horizon was built for your Monday morning. You carry the whole monitoring burden personally; Horizon carries the watching part, and you keep the judgement.
Crypto-asset service providers and token issuersLicensed or applying under MiCA, tracking both EU-level standards and their home regulator.
Payment institutions, e-money institutions and banksFacing DORA, PSD3 and AML supervision.
AI providers and deployersWorking through the EU AI Act’s phased obligations.
Legal and compliance advisersWho need to stay current across several clients and jurisdictions at once.

Why Horizon, and not another feed

Deadlines, not just news

Most monitoring tells you something happened. Horizon pulls the compliance date out of the source where one is stated, so a change arrives as a dated task, not an article to file away.

The source, always linked

Every alert points at the page it came from, and the reader can open the original in one click. For a function whose whole job is defensibility, that link is not a nicety; it’s the point.

Signal over volume

The competing failure mode is well known: a daily flood of everything, which the team stops reading by week three. Curated sources, and only the subjects you follow, keep Horizon’s alerts something you actually open.

Honest about what it is

Pre-human screening, clearly labelled. No pretended judgement, no compliance guarantees. In a market of overclaiming tools, being precisely right about what the product does is the differentiator.

And behind it, a law practice. Horizon is built by Licentium, lawyers running an active licensing practice in exactly these regimes. When an alert turns into a question that needs judgement, the advisers who built the monitoring are one message away. The tool watches; the humans advise. That’s the whole design.

See it working

The newest alertHorizon’s own page shows its newest alert, as it reached the people who follow that subject. Real, dated, with its source.See the newest alert ↗Every source it checksThe full list, grouped by jurisdiction. Horizon keeps it current itself as sources are added.See the sources ↗

Frequently asked questions

What does Horizon actually monitor?

The websites of regulators and public authorities: news and press releases, circulars and guidance, consultations, supervisory statements, enforcement decisions. Every alert links to the page it came from.

How quickly will I hear about a change?

Sources are checked every day. When the check finds something new on a subject you follow, the alert reaches your inbox within minutes.

Is this legal advice?

No, and we say that cleanly. Horizon is pre-human screening: it tells you what changed and what deserves a human’s attention. The judgement belongs to humans. When you want legal judgement on what an alert means for your licence, Licentium’s advisers handle exactly that.

Which countries do you cover?

Two layers: EU-level rules that bind every firm in the market, and national authorities in Europe and beyond, where licensed crypto, payments and AI firms are based, with sources added all the time. Horizon’s own page lists every source it checks and keeps the list current. Or simply ask us about your jurisdiction; we’ll tell you directly.

Can Horizon watch a page it doesn’t track yet?

Ask us. Leave the page’s link and your email in the box at the foot of Horizon’s page; we look at the page and reply to you by email.

What exactly do I get in an alert?

The change in one sentence, which is also the email’s subject line; a short summary of what changed, written by AI; what to do, the deadline and who it concerns, where the change calls for them; and a link to the source.

What does it cost?

Nothing. Horizon is free: sign in with your email and follow as many subjects as you like.

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Free to use. Start with your email.

Enter your email on Horizon’s page, open the sign-in link and pick the subjects you follow. Horizon checks the sources every day and emails you a plain-English alert when something of substance is published. No password to create, no card, no call.

Start monitoring free

Prefer to talk it through first? Ask us about your jurisdiction: we’ll tell you what Horizon would watch for you.

Horizon provides monitoring and summaries; it is not legal advice.