<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="//www.zerafa.com.mt/wp-content/plugins/wordpress-seo/css/main-sitemap.xsl"?>
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd http://www.google.com/schemas/sitemap-image/1.1 http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>https://www.zerafa.com.mt/insights/</loc>
		<lastmod>2026-08-05T06:13:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/what-the-whitepaper-of-an-initial-vfa-offering-should-contain/</loc>
		<lastmod>2020-06-02T15:18:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/malta-regulating-blockchain-and-dlt-parliament-approves-bills/</loc>
		<lastmod>2020-06-02T15:18:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/consultation-document-on-the-regulations-to-be-issued-under-the-vfa-act/</loc>
		<lastmod>2020-06-02T15:18:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/circular-on-clearing-through-central-counterparties-ccps-under-emir/</loc>
		<lastmod>2020-06-02T15:19:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/crypto-laws-in-malta-have-been-published/</loc>
		<lastmod>2020-06-02T15:19:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-circular-on-when-derivative-contracts-relating-to-currencies-should-be-considered-as-financial-instruments/</loc>
		<lastmod>2020-06-02T15:19:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/consultation-paper-on-the-proposed-mfsa-rules-aimed-to-achieve-higher-investor-protection-under-the-vfa-act/</loc>
		<lastmod>2020-06-02T15:19:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/progress-in-the-eus-digital-single-market-strategy/</loc>
		<lastmod>2020-06-02T15:19:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/malta-one-step-closer-to-regulating-dlt-blockchain-and-cryptocurrencies/</loc>
		<lastmod>2020-06-02T15:20:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/malta-a-hub-for-crypto-related-projects/</loc>
		<lastmod>2020-06-02T15:20:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-role-of-the-vfa-agent/</loc>
		<lastmod>2020-06-02T15:20:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/malta-setting-up-to-become-a-cryptocurrency-exchange-center/</loc>
		<lastmod>2020-06-02T15:21:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-circular-revised-version-of-the-implementing-procedures-part-i/</loc>
		<lastmod>2020-06-02T15:22:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/consultation-document-on-mfsas-fintech-strategy/</loc>
		<lastmod>2020-06-02T15:23:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/key-elements-of-eu-regulation-relating-to-simple-transparent-and-standardised-securitisations-effective-january-2019/</loc>
		<lastmod>2020-06-02T15:23:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/qas-issued-by-esma-in-relation-to-the-prospectus-directive-and-the-transparency-directive-in-case-of-a-no-deal-brexit/</loc>
		<lastmod>2020-06-02T15:23:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/consultation-document-application-of-aml-obligations-to-the-virtual-financial-assets-industry/</loc>
		<lastmod>2020-06-02T15:24:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-mdia-publishes-guidelines-to-systems-auditors/</loc>
		<lastmod>2020-06-02T15:24:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-financial-instrument-test/</loc>
		<lastmod>2020-06-02T15:25:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/zerafa-advocates-in-tel-aviv-israel/</loc>
		<lastmod>2020-06-02T15:30:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-retirement-pensions-transitional-provisions-regulations/</loc>
		<lastmod>2020-06-02T15:30:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/swiss-franc/</loc>
		<lastmod>2020-06-02T15:30:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esmas-temporary-product-intervention-measures-on-cfds-and-binary-options/</loc>
		<lastmod>2020-06-03T07:51:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/an-update-on-the-proposed-virtual-currencies-act-following-receipt-of-feedback-during-consultation-period/</loc>
		<lastmod>2020-06-03T07:51:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-technology-arrangements-bill/</loc>
		<lastmod>2020-06-03T07:51:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-composition-objectives-and-policies-of-the-malta-digital-innovation-authority/</loc>
		<lastmod>2020-06-03T07:51:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-establishment-of-a-new-central-authority-in-the-area-of-digital-innovation/</loc>
		<lastmod>2020-06-03T07:52:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/malta-and-its-regulatory-efforts-on-blockchain-virtual-currencies-and-innovation/</loc>
		<lastmod>2020-06-03T07:52:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/maltas-progress-in-the-transposition-of-the-payment-services-directive-ii/</loc>
		<lastmod>2020-06-03T07:53:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/pifs-investing-in-virtual-currencies-are-now-regulated/</loc>
		<lastmod>2020-06-03T07:54:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/update-on-collective-investment-schemes-investing-in-virtual-currencies/</loc>
		<lastmod>2020-06-03T07:54:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/register-of-beneficial-owners-for-trusts-and-trustees-in-malta/</loc>
		<lastmod>2020-06-03T07:54:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/initial-coin-offerings-virtual-currencies-and-related-service-providers-in-malta/</loc>
		<lastmod>2020-06-03T07:54:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/new-eu-rules-on-securitisation/</loc>
		<lastmod>2020-06-03T07:55:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/blockchain-bitcoin-conference-to-be-held-in-malta/</loc>
		<lastmod>2020-06-03T07:55:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/malta-collective-investment-schemes-investing-in-virtual-currencies/</loc>
		<lastmod>2020-06-03T07:55:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsas-feedback-statement-on-investment-based-crowdfunding/</loc>
		<lastmod>2020-06-03T07:56:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-mgas-key-function-certificate-requirements/</loc>
		<lastmod>2020-06-03T07:58:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/a-new-anti-money-laundering-supervisory-unit-within-the-malta-gaming-authority/</loc>
		<lastmod>2020-06-03T07:58:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-mga-announces-a-sandbox-allowing-virtual-currencies-and-blockchain-in-the-maltese-gaming-sector/</loc>
		<lastmod>2020-06-03T07:59:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/protected-disability-trusts/</loc>
		<lastmod>2020-06-03T08:03:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/notified-aifs/</loc>
		<lastmod>2020-06-03T08:03:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/details-of-the-notified-aif-regime/</loc>
		<lastmod>2020-06-03T08:03:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/changes-to-the-companies-act/</loc>
		<lastmod>2020-06-03T08:04:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/maltas-new-binary-options-framework/</loc>
		<lastmod>2020-06-03T08:04:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/updated-policy-for-online-forex-brokers/</loc>
		<lastmod>2020-06-03T08:04:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/is-malta-the-next-cyprus/</loc>
		<lastmod>2020-06-03T08:05:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/amendments-to-the-prevention-of-money-laundering-and-funding-of-terrorism-regulations/</loc>
		<lastmod>2020-06-03T08:05:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/individual-investor-program/</loc>
		<lastmod>2020-06-03T08:05:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/online-forex-trading/</loc>
		<lastmod>2020-06-03T08:05:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/solvency-ii/</loc>
		<lastmod>2020-06-03T08:06:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/aifmd-national-private-placement-regime/</loc>
		<lastmod>2020-06-03T08:06:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/updated-corporate-governance-manual/</loc>
		<lastmod>2020-06-03T08:06:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/publication-of-the-ucits-v-directive/</loc>
		<lastmod>2020-06-03T08:06:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/cybersecurity-risks-during-the-covid-19-outbreak/</loc>
		<lastmod>2020-06-04T14:33:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/complaints-handling-procedures-during-the-covid-19-outbreak-2/</loc>
		<lastmod>2020-06-04T14:33:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esma-requires-net-short-position-holders-to-report-their-positions-2/</loc>
		<lastmod>2020-06-04T14:34:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/contingency-preparedness-of-financial-institutions-2/</loc>
		<lastmod>2020-06-04T14:34:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/contingency-planning-in-light-of-covid-19/</loc>
		<lastmod>2020-06-04T14:35:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-european-commission-launches-a-public-consultation-in-relation-to-mifid-ii-and-mifir/</loc>
		<lastmod>2020-06-04T14:35:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/notice-regarding-the-amendments-to-the-trusts-and-trustees-act-register-of-beneficial-owners-regulations-2017/</loc>
		<lastmod>2020-06-04T14:35:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-releases-statement-on-the-impact-of-covid-19-on-the-maltese-regulated-market/</loc>
		<lastmod>2020-06-04T14:39:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-malta-financial-services-authority-and-the-malta-business-registry-sign-a-memorandum-of-understanding/</loc>
		<lastmod>2020-06-04T14:39:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esma-publishes-its-guidelines-on-performance-fees-applicable-to-ucits-and-certain-types-of-aifs/</loc>
		<lastmod>2020-06-04T14:39:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-issues-an-update-on-circularisation-exercise-required-by-investment-service-providers/</loc>
		<lastmod>2020-06-04T14:39:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esma-publishes-consultation-paper-on-draft-guidelines-addressing-leverage-risk-in-the-aif-sector/</loc>
		<lastmod>2020-06-04T14:39:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/submission-of-annual-compliance-return-by-company-service-providers/</loc>
		<lastmod>2020-06-04T14:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/fiau-issues-consultation-document-on-the-proposed-amendments-to-the-pmlftr-and-part-i-of-the-fiau-implementing-procedures/</loc>
		<lastmod>2020-06-04T14:40:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/submission-of-annual-returns-and-financial-statements-with-the-malta-business-registry-amid-covid-19-2/</loc>
		<lastmod>2020-06-04T14:40:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/fatf-identifies-jurisdictions-with-strategic-deficiencies/</loc>
		<lastmod>2020-06-04T14:40:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/regulatory-reporting-deadlines-amid-covid-19-outbreak-2/</loc>
		<lastmod>2020-06-04T14:40:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-issues-further-guidance-on-the-overhaul-of-the-licensing-and-authorisation-process-2/</loc>
		<lastmod>2020-06-04T14:40:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/regulatory-reporting-deadlines-amid-covid-19-outbreak/</loc>
		<lastmod>2020-06-04T14:40:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/submission-of-annual-returns-and-financial-statements-with-the-malta-business-registry-amid-covid-19/</loc>
		<lastmod>2020-06-04T14:41:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/notice-to-subject-persons-regarding-the-measures-taken-by-the-fiau-in-response-to-the-covid-19-outbreak/</loc>
		<lastmod>2020-06-04T14:41:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-issues-circular-to-listed-entities-in-relation-to-the-outbreak-of-covid-19/</loc>
		<lastmod>2020-06-04T14:41:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/notice-on-interim-measures-issued-in-relation-to-on-site-supervisory-inspections-conducted-by-the-mfsa/</loc>
		<lastmod>2020-06-04T14:42:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-eu-benchmarks-regulation/</loc>
		<lastmod>2020-06-04T14:42:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsas-feedback-statement-on-pillar-1-of-the-fintech-strategy-fintech-regulatory-sandbox/</loc>
		<lastmod>2020-06-04T14:42:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/updates-to-the-anti-money-laundering-directive-part-ii/</loc>
		<lastmod>2020-06-04T14:42:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/updates-to-the-european-union-anti-money-laundering-directive-part-i/</loc>
		<lastmod>2020-06-04T14:42:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/european-union-regulatory-framework-for-crypto-assets/</loc>
		<lastmod>2020-06-04T14:42:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esma-updates-qas-relating-to-the-prospectus-regulation-aifmd-mifid-and-mifir/</loc>
		<lastmod>2020-06-04T14:42:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/recent-updates-in-relation-to-the-securitisation-regulation/</loc>
		<lastmod>2020-06-04T14:42:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/international-sanctions-issued-by-the-european-union-and-the-united-nations-security-council/</loc>
		<lastmod>2020-06-04T14:43:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/revised-financial-institution-rules/</loc>
		<lastmod>2020-06-04T14:44:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/prospective-vfa-service-providers-submit-their-letter-of-intent-to-the-mfsa/</loc>
		<lastmod>2020-06-04T14:45:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esma-updates-its-qas-on-mifid-ii-and-mifir-regarding-investor-protection/</loc>
		<lastmod>2020-06-04T14:45:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-issues-circular-on-self-assessment-on-potential-closet-indexing-practices-adopted-by-ucits-and-retail-aifs/</loc>
		<lastmod>2020-06-04T14:45:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-issues-consultation-document-on-security-token-offering/</loc>
		<lastmod>2020-06-04T14:45:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esmas-public-statement-on-the-application-of-product-intervention-measures-under-mifir/</loc>
		<lastmod>2020-06-04T14:45:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esma-issues-stress-testing-requirements-for-money-market-funds/</loc>
		<lastmod>2020-06-04T14:45:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/circular-by-the-mfsa-on-the-conduct-of-business-rulebook-revisions/</loc>
		<lastmod>2020-06-04T14:45:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/application-of-host-country-national-product-intervention-measures-contracts-for-differences-and-binary-options/</loc>
		<lastmod>2020-06-04T14:45:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/amendments-to-the-register-of-beneficial-owners-regulations/</loc>
		<lastmod>2020-06-04T14:46:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/pillar-1-of-the-mfsas-fintech-strategy-regulatory-sandbox/</loc>
		<lastmod>2020-06-04T14:46:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/blockchain-and-the-general-data-protection-regulation/</loc>
		<lastmod>2020-06-04T14:47:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/revisions-to-the-conduct-of-business-rulebook/</loc>
		<lastmod>2020-06-04T14:47:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/stablecoin-as-a-solution-for-stability-of-crypto-assets/</loc>
		<lastmod>2020-06-04T14:47:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsas-circular-to-vfa-service-providers/</loc>
		<lastmod>2020-06-04T14:47:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/pillar-1-mfsa-regulatory-sandbox-part-ii/</loc>
		<lastmod>2020-06-04T14:47:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-issues-circular-on-the-reporting-requirements-of-settlement-internalisers/</loc>
		<lastmod>2020-06-04T14:47:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/uk-financial-conduct-authority-guidance-on-cryptoassets/</loc>
		<lastmod>2020-06-04T14:47:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/guidance-note-on-targeted-financial-sanctions-in-malta/</loc>
		<lastmod>2020-06-04T14:48:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/eba-consultation-on-the-sts-framework-for-synthetic-securitisations/</loc>
		<lastmod>2020-06-04T14:48:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esmas-consultation-papers-on-mar-ucits-and-mifid-ii/</loc>
		<lastmod>2020-06-04T14:48:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/transposition-of-the-5th-amld-fiau-issues-proposed-amendments-to-the-pmlftr/</loc>
		<lastmod>2020-06-04T14:48:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-consultation-document-on-raising-the-bar-for-company-service-providers/</loc>
		<lastmod>2020-06-04T14:48:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-prospectus-regulation-facilitating-security-token-offerings/</loc>
		<lastmod>2020-06-04T14:49:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esmas-consultation-on-draft-guidelines-of-the-mifid-ii-compliance-function-requirements/</loc>
		<lastmod>2020-06-04T14:49:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/circular-on-internalised-settlement-reporting-obligations/</loc>
		<lastmod>2020-06-04T14:49:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/guidance-document-issued-by-the-mfsa-on-the-fit-and-proper-test/</loc>
		<lastmod>2020-06-04T14:49:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esma-update-on-the-qa-on-the-implementation-of-central-securities-depositories-regulation/</loc>
		<lastmod>2020-06-04T14:49:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/guidance-documents-issued-by-the-mfsa-and-the-fiau/</loc>
		<lastmod>2020-06-04T14:49:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/consultation-document-on-the-proposed-national-intervention-measures-regarding-to-binary-options/</loc>
		<lastmod>2020-06-04T14:49:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/consultation-on-investment-services-rules-for-the-encouragement-of-long-term-shareholder-engagement/</loc>
		<lastmod>2020-06-04T14:49:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/amendments-to-the-prevention-of-money-laundering-and-funding-of-terrorism-regulations-2/</loc>
		<lastmod>2020-06-04T14:49:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/updates-on-the-conduct-of-business-rulebook/</loc>
		<lastmod>2020-06-04T14:49:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/qas-updated-by-esma-regarding-to-the-implementation-of-the-market-abuse-regulation/</loc>
		<lastmod>2020-06-04T14:49:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/publication-of-circular-on-a-proposed-temporary-permission-regime-for-uk-entities-passporting-into-malta/</loc>
		<lastmod>2020-06-04T14:50:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-mfsa-publishes-chapter-3-of-the-vfa-rulebook-vfa-rules-for-vfa-service-providers/</loc>
		<lastmod>2020-06-04T14:50:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esmas-list-of-national-thresholds-below-which-the-obligation-to-publish-a-prospectus-does-not-apply/</loc>
		<lastmod>2020-06-04T14:50:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esma-and-eu-securities-regulators-agreement-with-the-uks-fca-in-case-of-a-no-deal-brexit-scenario/</loc>
		<lastmod>2020-06-04T14:50:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/status-update-on-the-practical-implications-of-the-vfa-framework/</loc>
		<lastmod>2020-06-04T14:50:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/circular-to-issuers-of-virtual-financial-assets/</loc>
		<lastmod>2020-06-04T14:50:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/virtual-financial-assets-act-submission-of-notification-under-the-transitory-provisions/</loc>
		<lastmod>2020-06-04T14:50:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/guidelines-relating-to-the-taxation-of-transactions-involving-distributed-ledger-technology-assets/</loc>
		<lastmod>2020-06-04T14:50:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esmas-and-ebas-recommendations-to-eu-institutions-in-relation-to-crypto-assets/</loc>
		<lastmod>2020-06-04T14:50:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/market-abuse-regulation-qa/</loc>
		<lastmod>2020-06-04T14:51:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-fourth-anti-money-laundering-directive/</loc>
		<lastmod>2020-06-04T14:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/naif-consultation-document-on-the-proposed-amendments/</loc>
		<lastmod>2020-06-04T14:51:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-skill-games-regulations-s-l-438-11/</loc>
		<lastmod>2020-06-04T14:51:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/overhaul-of-the-maltese-gaming-sector/</loc>
		<lastmod>2020-06-04T14:51:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-issues-further-information-relating-to-insider-offences-in-light-of-the-covid-19-outbreak/</loc>
		<lastmod>2020-06-04T15:34:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-issues-feedback-statement-to-the-consultation-document-on-raising-the-bar-for-company-service-providers/</loc>
		<lastmod>2020-06-04T15:52:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/fiau-issues-draft-regulations-providing-for-the-establishment-of-an-automated-centralised-mechanism-for-the-collection-and-retrieval-of-data-on-bank-accounts-payment-accounts-and-safe-custody-service/</loc>
		<lastmod>2020-06-04T16:08:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-issues-circular-addressed-to-mifid-firms/</loc>
		<lastmod>2020-06-04T16:08:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-right-of-the-sanctions-monitoring-board-to-issue-administrative-penalties/</loc>
		<lastmod>2020-06-04T16:09:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/fatf-issues-guidance-on-digital-identity/</loc>
		<lastmod>2020-06-04T16:09:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/submission-of-risk-evaluation-questionnaire-2020/</loc>
		<lastmod>2020-06-04T16:11:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/amedments-to-the-pmlftr-relating-to-the-submission-of-strs-and-administrative-sanctions-that-can-be-imposed-by-the-fiau/</loc>
		<lastmod>2020-06-04T16:13:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/amendments-to-the-companies-act/</loc>
		<lastmod>2020-07-07T11:11:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-issues-circular-addressed-to-all-company-service-providers-on-sectoral-risk-assessment-and-action-plan/</loc>
		<lastmod>2020-07-07T11:18:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/regulatory-reporting-following-the-outbreak-of-covid-19/</loc>
		<lastmod>2020-07-07T11:22:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-issues-consultation-document-on-the-guidance-on-technology-arrangements-ict-and-security-risk-management-and-outsourcing-arrangements/</loc>
		<lastmod>2020-07-07T11:29:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/amendments-to-the-investment-services-rules/</loc>
		<lastmod>2020-07-07T11:31:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/circular-on-the-fitness-and-properness-assessment-of-committee-members/</loc>
		<lastmod>2020-07-07T11:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/fatf-issues-statement-on-high-risk-jurisdictions-and-jurisdictions-under-increased-monitoring/</loc>
		<lastmod>2020-07-09T09:11:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-digital-transformation-of-the-financial-sector-esma-issues-its-feedback-to-the-ecs-consultation-document/</loc>
		<lastmod>2020-07-10T11:56:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/general-meetings-of-public-companies-extension-of-applicable-time-periods-and-holding-of-remote-meetings/</loc>
		<lastmod>2020-07-17T07:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/record-keeping-obligations-imposed-on-licence-holders/</loc>
		<lastmod>2020-07-17T07:57:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-growing-threat-of-funding-of-terrorism-fiau-issues-guidance-document-on-funding-of-terrorism/</loc>
		<lastmod>2020-07-17T10:32:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esma-guidelines-on-the-disclosure-requirements-for-prospectus-documents/</loc>
		<lastmod>2020-07-22T08:38:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/understanding-the-role-of-the-money-laundering-reporting-officer/</loc>
		<lastmod>2020-07-30T13:08:08+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-eus-transition-towards-sustainable-finance/</loc>
		<lastmod>2020-08-26T08:53:05+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/additions-to-the-collective-investment-schemes-rules/</loc>
		<lastmod>2020-08-28T06:56:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/fatfs-recommendation-16-in-the-context-of-virtual-financial-assets/</loc>
		<lastmod>2020-09-01T11:17:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-effect-of-brexit-on-information-society-services/</loc>
		<lastmod>2020-09-03T11:37:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esmas-report-on-the-market-abuse-regulation/</loc>
		<lastmod>2020-09-30T07:34:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-european-commissions-digital-finance-package/</loc>
		<lastmod>2020-10-07T08:29:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsas-compliance-inspections-relating-to-the-emir-regulation/</loc>
		<lastmod>2020-10-19T10:06:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/non-financial-counterparties-in-securities-financing-transactions/</loc>
		<lastmod>2020-10-23T07:02:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/amendments-to-the-company-service-providers-act/</loc>
		<lastmod>2020-11-02T13:51:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/revisions-to-the-loan-funds-regime/</loc>
		<lastmod>2020-11-17T10:10:08+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-fatf-identifies-jurisdictions-with-strategic-deficiencies/</loc>
		<lastmod>2020-11-23T14:53:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/clarification-on-the-reporting-obligations-of-non-financial-counterparties/</loc>
		<lastmod>2020-11-26T08:43:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/consultation-document-on-the-csp-rulebook/</loc>
		<lastmod>2020-12-10T08:48:08+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/derivatives-reporting-following-the-end-of-the-uk-transition-period/</loc>
		<lastmod>2020-12-15T13:21:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/investment-firms-regulation-package/</loc>
		<lastmod>2020-12-17T08:05:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/guidance-on-technology-arrangements-ict-and-security-risk-management-and-outsourcing-arrangements/</loc>
		<lastmod>2020-12-23T15:44:48+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/germanys-legislation-on-electronic-securities/</loc>
		<lastmod>2021-01-05T10:03:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esma-public-statement-on-reverse-solicitation/</loc>
		<lastmod>2021-01-15T14:42:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esma-withdraws-the-registration-of-uk-credit-rating-agencies-and-trade-repositories-following-brexit/</loc>
		<lastmod>2021-01-22T15:36:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/compliance-report-what-to-report-on/</loc>
		<lastmod>2021-02-03T13:18:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/compliance-monitoring-program/</loc>
		<lastmod>2021-02-03T13:23:22+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/advisory-and-assistance-obligations-of-the-compliance-function/</loc>
		<lastmod>2021-02-11T15:56:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/common-supervisory-action-on-product-governance-rules/</loc>
		<lastmod>2021-02-22T13:30:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/european-central-bank-memorandum-of-understanding-with-uk-authorities/</loc>
		<lastmod>2021-02-24T11:58:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esma-consultation-paper-on-the-service-providers-crowdfunding-regulation/</loc>
		<lastmod>2021-03-08T11:14:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/reform-to-the-company-service-providers-regulatory-framework/</loc>
		<lastmod>2021-03-16T10:04:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/european-crowdfunding-service-providers-regulation/</loc>
		<lastmod>2021-03-23T11:46:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/outsourcing-of-compliance-function/</loc>
		<lastmod>2021-04-01T16:13:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/risk-assessment-on-the-outsourcing-of-the-compliance-function/</loc>
		<lastmod>2021-04-09T14:31:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/non-performing-loans-and-covid-19-related-moratoria/</loc>
		<lastmod>2021-04-14T14:49:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/monitoring-through-compliance-visits/</loc>
		<lastmod>2021-04-16T14:59:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/csp-exemption-notification/</loc>
		<lastmod>2021-04-26T11:40:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/classes-under-the-revised-csp-regime/</loc>
		<lastmod>2021-04-28T16:04:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/compliance-supervision-of-fund-managers/</loc>
		<lastmod>2021-04-29T19:36:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-compliance-policy/</loc>
		<lastmod>2021-04-29T19:36:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/permanence-of-the-compliance-function/</loc>
		<lastmod>2021-04-29T19:36:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/compliance-talent-few-remarks-on-the-skills-knowledge-expertise-and-authority-of-the-compliance-function-2/</loc>
		<lastmod>2021-04-29T19:36:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-effectiveness-of-the-compliance-function/</loc>
		<lastmod>2021-04-29T19:36:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/compliance-risk-assessment/</loc>
		<lastmod>2021-04-29T19:36:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/certificate-of-compliance-for-csps/</loc>
		<lastmod>2021-04-29T19:36:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/updates-on-the-role-of-the-compliance-officer-under-the-revised-csp-regime/</loc>
		<lastmod>2021-04-30T15:19:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/csp-authorisation-application-process-for-natural-persons/</loc>
		<lastmod>2021-05-03T08:50:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/notice-to-company-service-providers-issued-by-the-malta-business-registry/</loc>
		<lastmod>2021-05-19T14:49:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/an-update-on-the-fatf-greylisting-of-malta/</loc>
		<lastmod>2021-07-07T07:43:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/company-service-providers-rulebook-new-requirements-for-licensed-csps/</loc>
		<lastmod>2021-07-22T07:47:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-fiduciary-nature-of-the-trustees-obligations/</loc>
		<lastmod>2021-07-30T13:08:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/updated-rulebook-for-maltese-investment-firms/</loc>
		<lastmod>2021-08-06T15:23:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/clarifications-on-the-professional-indemnity-insurance-and-the-risk-management-function-of-csps/</loc>
		<lastmod>2021-08-11T15:12:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/a-comparison-between-the-mica-regualtion-and-the-vfa-act/</loc>
		<lastmod>2021-08-13T15:38:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-duties-of-the-trustee/</loc>
		<lastmod>2021-08-19T06:54:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mifid-ii-suitability-areas-requiring-improvement/</loc>
		<lastmod>2021-08-24T12:40:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-beneficiaries-in-a-trust-who-is-the-beneficiary/</loc>
		<lastmod>2021-09-03T15:16:48+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-updates-the-rulebooks-for-investment-services-providers-and-collective-investment-schemes/</loc>
		<lastmod>2021-09-10T14:53:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/1454-2/</loc>
		<lastmod>2021-09-29T09:35:48+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/what-is-product-governance/</loc>
		<lastmod>2021-10-08T14:56:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-independence-of-the-compliance-function/</loc>
		<lastmod>2021-10-12T13:43:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/sports-tokens-in-malta/</loc>
		<lastmod>2021-10-21T12:09:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/investment-firms-classification-and-xbrl-submissions-testing-phase/</loc>
		<lastmod>2021-10-25T13:28:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/amendments-to-the-companies-act-2/</loc>
		<lastmod>2021-10-29T17:08:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/updated-fatf-guidelines-for-a-risk-based-approach-for-vfas/</loc>
		<lastmod>2021-11-02T16:39:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/changes-to-the-fiau-implementing-procedures-part-i/</loc>
		<lastmod>2021-11-05T16:25:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/harmonised-european-regulation-for-crowdfunding/</loc>
		<lastmod>2021-11-23T08:03:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/alternative-investment-funds-investing-in-cryptocurrencies/</loc>
		<lastmod>2021-12-27T10:46:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/regulation-of-artificial-intelligence-within-the-european-union/</loc>
		<lastmod>2022-01-10T16:01:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-regulatory-regime-for-cryptocurrencies-in-malta-part-i/</loc>
		<lastmod>2022-01-17T15:53:47+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/an-overview-of-the-digital-financial-instrument/</loc>
		<lastmod>2022-01-21T16:12:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-new-crowdfunding-rules/</loc>
		<lastmod>2022-01-26T10:09:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/listing-and-approval-of-prospectuses-in-malta/</loc>
		<lastmod>2022-02-02T09:43:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-regulation-of-crypto-funds-in-malta/</loc>
		<lastmod>2022-03-09T16:16:40+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/revisions-to-the-conduct-of-business-rulebook-2/</loc>
		<lastmod>2022-03-11T16:07:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/submission-of-the-annual-compliance-return-by-company-service-providers-and-trustees/</loc>
		<lastmod>2022-03-18T14:45:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/guidance-note-on-the-council-regulation-2022-328-of-25-february-2022-russia-sanctions/</loc>
		<lastmod>2022-03-24T08:41:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/guidance-note-on-the-money-laundering-reporting-officer/</loc>
		<lastmod>2022-04-06T14:47:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/revised-application-forms-for-aifs-and-ucits/</loc>
		<lastmod>2022-05-20T15:16:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/crowdfunding-regulation-esmas-final-report/</loc>
		<lastmod>2022-05-25T12:57:51+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/pilot-regime-for-dlt-market-infrastructures/</loc>
		<lastmod>2022-06-10T15:09:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/malta-removed-from-the-fatf-grey-list/</loc>
		<lastmod>2022-06-16T09:09:18+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/malta-officially-no-longer-on-the-fatf-grey-list/</loc>
		<lastmod>2022-06-21T08:57:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/roles-and-responsibilities-of-the-aml-cft-compliance-officer/</loc>
		<lastmod>2022-06-24T15:02:51+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-eu-agrees-on-the-provisional-mica-regulation/</loc>
		<lastmod>2022-07-04T09:48:10+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-fatf-targeted-update-on-implementation-of-its-standards-on-vas-and-vasps/</loc>
		<lastmod>2022-07-12T14:30:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/cpmi-and-iosco-stablecoin-arrangements/</loc>
		<lastmod>2022-07-14T12:57:05+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/countdown-to-mica-the-eus-crypto-assets-regulation/</loc>
		<lastmod>2022-07-22T15:19:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/fiau-update-reporting-through-goaml/</loc>
		<lastmod>2022-08-04T08:55:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-reasons-and-scope-behind-the-mica-regulation/</loc>
		<lastmod>2022-08-05T09:52:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/implementation-of-the-crowdfunding-regulation/</loc>
		<lastmod>2022-08-10T15:29:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/eu-regulatory-developments-parallel-to-mica/</loc>
		<lastmod>2022-08-19T09:58:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/reminder-by-the-mfsa-on-the-fintech-adoption-study-questionnaire/</loc>
		<lastmod>2022-08-24T07:45:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-impact-of-mica-on-malta/</loc>
		<lastmod>2022-08-30T12:48:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-launches-the-corporate-governance-code/</loc>
		<lastmod>2022-09-05T15:24:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/public-registry-kept-by-esma-relating-to-emir/</loc>
		<lastmod>2022-09-12T12:16:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esmas-final-report-on-clearing-thresholds/</loc>
		<lastmod>2022-10-05T14:05:09+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-european-council-approves-the-mica-proposal/</loc>
		<lastmod>2022-10-06T15:13:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esma-guidelines-on-mifid-ii-suitability-requirements/</loc>
		<lastmod>2022-10-12T09:03:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esma-updates-its-qas/</loc>
		<lastmod>2022-10-27T13:14:17+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-fatf-updates-its-high-risk-jurisdictions-subject-to-a-call-for-action-and-jurisdictions-under-increased-monitoring-documents/</loc>
		<lastmod>2022-11-04T11:28:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/publication-of-emir-refit-technical-standards/</loc>
		<lastmod>2022-11-09T16:45:34+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-european-parliament-adopts-its-position-on-dora/</loc>
		<lastmod>2022-11-21T17:03:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/introduction-to-crowdfunding/</loc>
		<lastmod>2022-11-25T14:33:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-cjeu-invalidates-public-access-to-the-ubo-register-provision/</loc>
		<lastmod>2022-11-30T10:57:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/introduction-to-the-european-crowdfunding-service-providers-regulation/</loc>
		<lastmod>2022-12-02T14:13:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-council-of-the-eu-adopts-dora/</loc>
		<lastmod>2022-12-05T09:29:34+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/investment-based-crowdfunding/</loc>
		<lastmod>2022-12-12T13:58:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-issues-a-consultation-document-on-the-proposed-establishment-of-a-framework-for-notified-professional-investor-funds/</loc>
		<lastmod>2022-12-29T09:27:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/dora-regulation-and-amending-directive-published-on-the-official-journal-of-the-eu/</loc>
		<lastmod>2023-01-05T09:14:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/lending-based-crowdfunding/</loc>
		<lastmod>2023-01-06T09:27:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/eu-council-agreement-reached-on-the-aml-cft-legislative-proposal/</loc>
		<lastmod>2023-01-13T09:10:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mga-issues-policy-on-the-use-of-distributed-ledger-technology-by-authorised-persons/</loc>
		<lastmod>2023-02-01T10:02:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-fiau-issues-part-ii-to-the-implementing-procedures-for-accountants-and-auditors/</loc>
		<lastmod>2023-02-03T11:46:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-mgas-authorised-application-managers-regulations/</loc>
		<lastmod>2023-02-07T08:12:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-mga-issues-a-notice-to-entities-requiring-a-recognition-notice/</loc>
		<lastmod>2023-02-15T14:27:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-fiau-issued-further-guidance-on-the-2023-risk-evaluation-questionnaire/</loc>
		<lastmod>2023-02-20T15:22:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/updates-to-the-list-of-synthetic-securitisation-notified-to-esma/</loc>
		<lastmod>2023-03-20T11:23:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/eltif-2-published-on-the-official-journal-of-the-eu/</loc>
		<lastmod>2023-03-21T11:12:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-mfsa-publishes-a-revised-fintech-regulatory-sandbox-framework/</loc>
		<lastmod>2023-03-30T06:58:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/eu-imposes-stricter-measures-on-aml-cft-rules/</loc>
		<lastmod>2023-04-05T09:24:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/fatf-guidance-on-beneficial-ownership-of-legal-persons/</loc>
		<lastmod>2023-04-20T12:06:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-eu-parliament-votes-in-favour-of-the-mica-regulation/</loc>
		<lastmod>2023-04-20T13:36:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-implementation-of-the-fatf-travel-rule-in-terms-of-virtual-assets/</loc>
		<lastmod>2023-05-15T07:41:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/operating-an-mtf-and-a-crowdfunding-platform-the-key-differences/</loc>
		<lastmod>2023-05-25T07:45:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-mga-publishes-its-2022-annual-report-and-financial-statements/</loc>
		<lastmod>2023-06-05T09:27:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-european-union-to-vote-on-artificial-intelligence-act/</loc>
		<lastmod>2023-06-15T06:43:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-mfsa-issues-guidelines-on-non-fungible-tokens/</loc>
		<lastmod>2023-06-26T08:03:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-proposals-of-revising-the-payment-services-directive/</loc>
		<lastmod>2023-07-05T06:58:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-concept-of-trust-under-maltese-law/</loc>
		<lastmod>2023-07-05T13:23:40+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/new-iba-report-provides-global-perspective-on-cybersecurity-risk-governance/</loc>
		<lastmod>2023-08-01T09:21:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/consultation-on-changes-to-chapter-3-of-the-virtual-financial-assets-rulebook/</loc>
		<lastmod>2023-08-24T08:07:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/threads-and-the-european-union/</loc>
		<lastmod>2023-10-24T12:29:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2023/10/2023-09-28-Cover-Picture-Threads-EU-for-ZTA-1-scaled-e1698150538450.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/investment-based-crowdfunding-2/</loc>
		<lastmod>2023-10-25T08:20:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2023/10/2023-10-11-Cover-Picture-Investment-Based-Crowdfunding-1-scaled-e1698930613812.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/share-capital-requirements/</loc>
		<lastmod>2023-11-02T15:01:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2023/11/2023-09-28-Cover-Picture-Share-Capital-ZA-scaled-e1698935213106.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-circular-on-esma-publishing-the-main-findings-from-the-common-supervisory-action/</loc>
		<lastmod>2023-11-02T15:19:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/digital-operational-resilience-update/</loc>
		<lastmod>2023-11-02T15:32:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/fiau-press-release-on-updates-from-europol/</loc>
		<lastmod>2023-11-06T14:59:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/fiau-errata-corrige-guidance/</loc>
		<lastmod>2023-11-06T15:56:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-on-esmas-reporting-guidelines-on-emir-reporting-obligations/</loc>
		<lastmod>2023-11-10T15:53:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/zerafa-advocates-logo-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/circular-on-the-benchmarks-regulation/</loc>
		<lastmod>2023-11-14T14:31:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/zerafa-advocates-logo-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/two-supplementary-acts-to-dora/</loc>
		<lastmod>2023-11-29T13:33:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/zerafa-advocates-logo-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/emir-guidelines/</loc>
		<lastmod>2023-12-11T12:09:05+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/eu-new-aml-rules/</loc>
		<lastmod>2024-01-25T17:37:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/notified-professional-investor-funds-framework/</loc>
		<lastmod>2024-02-14T09:41:58+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2024/02/2024-02-06-Pictrue-for-ZA-1-scaled-e1707404768892.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/19th-february-2024-circular-addressed-to-company-services-providers-on-the-submission-of-the-annual-compliance-return/</loc>
		<lastmod>2024-04-01T17:13:50+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2023/10/Group-2.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/vfa-agents/</loc>
		<lastmod>2024-04-19T15:06:51+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2024/04/2024-04-19-Cover-Picture-KBR.docx-scaled-e1713538891665.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/artificial-intelligence-act-of-the-eu/</loc>
		<lastmod>2024-05-30T07:27:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2024/04/2024-04-30-Cover-Picture-AI-Act-scaled-e1714482721169.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-eba-issues-new-travel-rule-guidelines/</loc>
		<lastmod>2024-07-11T12:13:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/notified-alternative-investment-fund-structure-in-malta/</loc>
		<lastmod>2024-08-09T09:52:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-new-eu-aml-package/</loc>
		<lastmod>2024-08-23T13:29:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/european-parliament-president-signs-mica-into-law/</loc>
		<lastmod>2024-08-30T07:09:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2022/11/Zerafa-Advocates-Logo-8003.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esma-issues-opinion-on-global-crypto-firms-and-mica-implementation/</loc>
		<lastmod>2024-08-30T09:20:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esmas-draft-guidelines-on-reverse-solicitation-under-mica/</loc>
		<lastmod>2024-09-18T06:00:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-importance-of-international-sanctions-and-country-risk-assessments/</loc>
		<lastmod>2024-09-26T06:02:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esma-guidelines-on-the-qualification-of-crypto-assets-as-financial-instruments/</loc>
		<lastmod>2024-10-03T05:40:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/fashion-law-and-intellectual-property-protecting-designs-and-brand-identity-in-the-fashion-industry/</loc>
		<lastmod>2024-10-14T06:57:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mifid-and-dora-a-technological-update-in-the-world-of-finance/</loc>
		<lastmod>2024-10-23T07:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/adjusting-own-funds-requirements-for-issuers-of-significant-asset-referenced-and-e-money-tokens/</loc>
		<lastmod>2024-11-06T07:34:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/consultation-document-on-the-proposed-enhancement-to-the-csp-framework/</loc>
		<lastmod>2024-11-13T10:55:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-future-of-ai-in-a-gdpr-regulated-world/</loc>
		<lastmod>2024-11-20T07:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/fiau-launches-consultation-on-revision-of-implementing-procedures-for-the-virtual-financial-assets-sector/</loc>
		<lastmod>2024-12-05T12:33:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-highlights-key-supervisory-findings-and-compliance-expectations/</loc>
		<lastmod>2024-12-05T12:59:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/consultation-document-on-a-new-rulebook-for-trustees-and-other-fiduciaries/</loc>
		<lastmod>2024-12-06T13:34:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/smart-contracts-revolutionising-finance-and-law-with-technology/</loc>
		<lastmod>2024-12-11T14:41:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/revision-of-conduct-of-business-rulebook-primarily-to-implement-the-prohibition-on-investment-firms-from-receiving-payment-for-order-flow-pfof-and-to-transpose-updated-provisions-o/</loc>
		<lastmod>2024-12-12T11:09:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/share-capital-requirements-in-malta/</loc>
		<lastmod>2025-01-22T08:14:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/threads-and-the-european-union-2/</loc>
		<lastmod>2025-01-22T08:24:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/whats-the-difference-between-private-limited-liability-company-and-private-exempt-company-in-malta/</loc>
		<lastmod>2025-01-22T08:28:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-cjeu-invalidates-public-access-to-the-ubo-register-provision-2/</loc>
		<lastmod>2025-01-22T10:03:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-role-of-the-company-secretary/</loc>
		<lastmod>2025-01-22T10:16:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-new-crowdfunding-rules-2/</loc>
		<lastmod>2025-01-22T10:17:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/amendments-to-the-companies-act-3/</loc>
		<lastmod>2025-01-22T10:20:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/immovable-property-in-trust/</loc>
		<lastmod>2025-01-22T10:23:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/variation-and-revocation-of-trusts/</loc>
		<lastmod>2025-01-22T10:26:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-settlor-of-a-trust/</loc>
		<lastmod>2025-01-22T10:34:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-beneficiaries-in-a-trust-who-is-the-beneficiary-2/</loc>
		<lastmod>2025-01-22T10:36:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-duties-of-the-trustee-2/</loc>
		<lastmod>2025-01-22T10:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-use-of-electronic-signatures-in-malta/</loc>
		<lastmod>2025-01-22T10:44:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/guidance-on-the-register-of-beneficial-owners-of-commercial-partnerships/</loc>
		<lastmod>2025-01-22T10:47:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/trustees-other-fiduciaries-providing-csp-services/</loc>
		<lastmod>2025-01-22T10:49:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/share-transfer-notice/</loc>
		<lastmod>2025-01-22T10:50:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/companies-act-shipping-and-aviation-cell-companies-regulations/</loc>
		<lastmod>2025-01-22T10:52:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/reform-to-the-company-service-providers-regulatory-framework-2/</loc>
		<lastmod>2025-01-22T10:53:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/understanding-mica-compliance-adapting-to-new-eu-regulations-and-unlocking-growth-through-harmonised-business-standards/</loc>
		<lastmod>2025-01-25T11:17:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mica-licensing-and-registration-the-ultimate-solution-for-crypto-firms-in-europe/</loc>
		<lastmod>2025-01-31T09:16:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mica-unveiled-essential-insights-for-crypto-and-fintech-businesses/</loc>
		<lastmod>2025-02-05T08:36:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/future-proof-your-business-how-mica-is-reshaping-the-crypto-landscape/</loc>
		<lastmod>2025-02-12T09:30:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/zerafa-advocates-and-omar-zerafa-ranked-in-chambers-partners/</loc>
		<lastmod>2025-02-13T14:18:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-launches-framework-for-collective-investment-schemes-structured-as-limited-partnerships-without-separate-legal-personality/</loc>
		<lastmod>2025-02-13T15:22:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-extends-the-notified-pif-framework-to-cater-for-self-managed-structures/</loc>
		<lastmod>2025-02-13T15:25:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/shipping-and-aviation-cell-companies-in-malta-a-unique-structure-with-tax-and-asset-protection-benefits/</loc>
		<lastmod>2025-02-18T14:21:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esma-explores-the-growing-role-of-ai-in-eu-investment-funds-integration-and-portfolio-exposure/</loc>
		<lastmod>2025-03-05T09:00:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/empowering-women-in-sanctions-compliance/</loc>
		<lastmod>2025-03-17T09:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/key-benefits-of-registering-a-private-aircraft-in-malta/</loc>
		<lastmod>2025-03-26T09:00:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/key-takeaways-from-the-financial-horizons-2025-conference/</loc>
		<lastmod>2025-03-10T08:45:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/circular-to-the-industry-on-the-issuance-of-the-markets-in-crypto-assets-mica-rulebook-and-amendments-to-the-financial-institutions-rulebook/</loc>
		<lastmod>2025-03-12T13:45:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/part-1-legal-ramifications-of-eu-sanctions-transportation-of-the-criminalisation-directive-and-reporting-obligations/</loc>
		<lastmod>2025-04-02T09:00:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/part-2-navigating-russian-sanctions-and-the-heightened-legal-risks-for-businesses-in-malta/</loc>
		<lastmod>2025-04-09T09:00:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/strategic-investment-funds-in-sports-media-and-entertainment-opportunities-and-legal-framework-in-malta/</loc>
		<lastmod>2025-04-16T09:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-role-and-obligations-of-a-qualified-person-in-trust-and-company-structuring/</loc>
		<lastmod>2025-04-02T14:22:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/changes-to-the-appendix-2b-fund-manager-return/</loc>
		<lastmod>2025-04-02T14:24:10+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-impact-of-data-protection-on-intellectual-property-in-filmmaking/</loc>
		<lastmod>2025-05-07T09:00:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/establishing-your-production-company-in-malta-legal-structures-for-the-film-industry/</loc>
		<lastmod>2025-05-14T09:00:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/maltas-film-tax-incentives-legal-criteria-compliance-and-risk-mitigation/</loc>
		<lastmod>2025-05-21T09:00:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/launching-a-mica-compliant-crypto-exchange-in-malta-a-strategic-opportunity/</loc>
		<lastmod>2025-05-28T09:00:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/funding-films-in-malta-legal-eligibility-and-structuring-for-grants-and-incentives/</loc>
		<lastmod>2025-06-04T09:00:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/hiring-talent-in-malta-contractual-obligations-and-employment-law-considerations-for-film-projects/</loc>
		<lastmod>2025-06-11T09:00:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/key-updates-to-the-company-service-providers-act-following-act-x-of-2025/</loc>
		<lastmod>2025-05-21T12:56:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/protecting-creative-work-a-legal-overview-of-copyrights-and-ip-law-for-filmmakers-in-malta/</loc>
		<lastmod>2025-06-18T09:00:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/eba-on-the-interplay-between-payment-services-directive-and-markets-in-crypto-assets-regulation/</loc>
		<lastmod>2025-06-11T07:46:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/tokenisation-of-fund-units-mfsa-position-paper/</loc>
		<lastmod>2025-06-16T06:07:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-fatf-updates-its-high-risk-jurisdictions-subject-to-a-call-for-action-and-jurisdictions-under-increased-monitoring/</loc>
		<lastmod>2025-06-19T09:00:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/amendments-to-the-mifid-firms-quarterly-reporting-fund-managers-appendix-2b-and-annual-fund-return/</loc>
		<lastmod>2025-06-18T13:00:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/beyond-the-headlines-what-article-56a-really-means-for-gaming-in-malta/</loc>
		<lastmod>2025-06-25T09:00:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-new-funding-frontier-for-film/</loc>
		<lastmod>2025-07-02T09:00:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/strengthening-defences-against-proliferation-financing-what-maltese-csps-and-smes-need-to-know/</loc>
		<lastmod>2025-07-09T09:00:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/what-makes-securities-transferable-a-legal-and-regulatory-perspective-for-company-service-providers/</loc>
		<lastmod>2025-07-23T09:00:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/franchise-agreements-for-television-formats-key-legal-risks-and-protections/</loc>
		<lastmod>2025-07-16T09:00:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/malta-business-registry-bo-regulations-amendments/</loc>
		<lastmod>2025-07-11T07:20:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-publishes-thematic-review-on-company-announcements-by-listed-companies/</loc>
		<lastmod>2025-07-18T11:38:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-proposes-reforms-to-ifsm-capital-markets-rules-a-step-toward-modernisation-and-streamlining/</loc>
		<lastmod>2025-07-22T13:21:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/introducing-sukuk-provisions-within-maltas-capital-markets-framework/</loc>
		<lastmod>2025-07-24T06:16:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-circular-on-regulation-eu-909-2014-the-central-securities-depositories-regulation-csdr/</loc>
		<lastmod>2025-08-01T09:00:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/navigating-dividend-distributions-in-maltese-companies-a-legal-guide-for-directors-and-shareholders/</loc>
		<lastmod>2025-08-12T09:00:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-mfsa-issues-mid-year-regulatory-briefing-key-updates-for-investment-services-firms/</loc>
		<lastmod>2025-08-04T09:40:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/key-takeaways-from-the-esmas-qa-guide-on-the-sfdr-for-maltese-fund-managers-and-aifms/</loc>
		<lastmod>2025-08-20T09:00:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-implementation-of-the-sustainable-finance-disclosure-regulation/</loc>
		<lastmod>2025-09-01T11:50:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Featuredimage.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/implementation-of-rtss-relating-to-the-sfdr/</loc>
		<lastmod>2025-09-01T11:51:22+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-report-on-sfdr-compliance/</loc>
		<lastmod>2025-09-01T11:52:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/clarifications-on-the-sustainable-finance-disclosure-regulation/</loc>
		<lastmod>2025-09-01T11:53:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.zerafa.com.mt/wp-content/uploads/2020/07/Zerafa-Advocates-Logo-8003-e1626939985716.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/navigating-the-eus-regulation-on-sustainability-related-disclosure-in-the-financial-services-sector-what-it-means-for-your-business/</loc>
		<lastmod>2025-09-01T11:54:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/thematic-review-on-payment-accounts-offered-by-financial-institutions/</loc>
		<lastmod>2025-09-05T09:00:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/unit-trusts-under-maltese-law-a-flexible-framework-for-collective-investment/</loc>
		<lastmod>2025-09-10T09:00:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/maltas-regulatory-framework-for-single-family-offices/</loc>
		<lastmod>2025-09-17T09:00:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/avoiding-misclassification-under-the-sfdr-key-lessons-from-articles-6-8-and-9/</loc>
		<lastmod>2025-09-29T00:36:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/understanding-principal-adverse-impact-disclosures-under-sfdr-what-maltese-companies-need-to-know/</loc>
		<lastmod>2025-10-03T09:00:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/guidance-note-for-limited-registered-company-service-providers/</loc>
		<lastmod>2025-09-30T09:00:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/pink-october-in-the-corporate-sphere-embedding-wellness-into-governance-and-culture/</loc>
		<lastmod>2025-10-15T09:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/eu-adopts-new-mica-rules-delegated-regulation-eu-2025-1125-and-implementing-regulation-eu-2025-1126/</loc>
		<lastmod>2025-10-14T05:44:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/maltas-financial-sector-at-a-digital-crossroads-insights-from-the-mfsas-2024-dear-ceo-letter/</loc>
		<lastmod>2025-10-17T09:00:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/proposed-amendments-to-the-companies-act-key-updates-for-maltese-companies-and-corporate-service-providers/</loc>
		<lastmod>2025-10-22T09:00:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/no-tricks-just-transparency-greenwashing-risks-under-the-sfdr-enforcement-trends-in-the-eu-and-malta/</loc>
		<lastmod>2025-10-29T09:00:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/fiau-update-fatf-publishes-latest-lists-of-high-risk-and-monitored-jurisdictions/</loc>
		<lastmod>2025-11-12T09:00:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/from-boardroom-to-wellbeing-movember-in-perspective/</loc>
		<lastmod>2025-11-05T09:00:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/getting-ready-for-dora-what-financial-entities-in-malta-need-to-know-about-the-register-of-information/</loc>
		<lastmod>2025-11-11T09:00:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/gaming-and-compliance-striking-the-balance-between-innovation-and-regulation/</loc>
		<lastmod>2025-11-19T09:00:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/understanding-shareholders-agreements/</loc>
		<lastmod>2025-11-26T09:00:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/freedom-of-establishment-vs-freedom-to-provide-services-in-the-eu-implications-for-financial-institutions/</loc>
		<lastmod>2025-12-03T09:00:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/establishing-a-branch-of-a-company-in-malta-from-overseas-entity-to-licensed-institution/</loc>
		<lastmod>2025-12-10T09:00:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/understanding-data-reporting-services-providers/</loc>
		<lastmod>2025-12-24T09:00:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-thematic-review-essential-insights-on-the-risk-management-function-of-csps/</loc>
		<lastmod>2025-12-01T09:08:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/comparable-guarantees-for-payment-institutions-under-maltese-law/</loc>
		<lastmod>2025-12-31T09:00:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/from-simplification-to-scrutiny-how-eu-level-aml-supervision-and-maltese-regulatory-practice-are-converging/</loc>
		<lastmod>2026-01-14T09:00:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/amendments-brought-about-by-aifmd-ii/</loc>
		<lastmod>2026-01-21T09:00:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-power-behind-the-players-how-affiliates-shape-the-gaming-industry/</loc>
		<lastmod>2026-01-07T08:31:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/the-companies-act-agricultural-companies-regulations-2025-an-academic-overview/</loc>
		<lastmod>2026-01-28T08:00:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/psd-iii-the-next-chapter-in-eu-payment-services-regulation/</loc>
		<lastmod>2026-02-04T09:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/reallocating-risk-psd-iii-and-the-transformation-of-payment-fraud-responsibility/</loc>
		<lastmod>2026-02-11T09:00:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/psd-iii-and-open-banking-turning-regulatory-precision-into-strategic-advantage/</loc>
		<lastmod>2026-02-18T09:00:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/sanctions-compliance-in-motion-why-boards-can-no-longer-treat-sanctions-as-an-aml-sub-topic/</loc>
		<lastmod>2026-02-25T09:00:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/from-screening-to-control-the-new-reality-of-sanctions-technology-and-ongoing-monitoring/</loc>
		<lastmod>2026-03-04T09:00:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/dora-register-of-information-reporting-mfsa-sets-2026-supervisory-deadlines/</loc>
		<lastmod>2026-02-02T09:00:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-publishes-a-new-general-code-of-conduct-for-decision-makers-in-the-financial-services-industry-enhancing-governance-culture-and-conduct/</loc>
		<lastmod>2026-02-03T09:00:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-streamlines-annual-fund-return-reporting-for-collective-investment-schemes/</loc>
		<lastmod>2026-02-06T09:00:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/understanding-the-fatfs-2025-report-on-terrorist-financing-risks-key-insights-for-maltas-financial-sector/</loc>
		<lastmod>2026-02-12T07:17:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/building-a-single-aml-standard-for-europe-amlas-three-year-vision/</loc>
		<lastmod>2026-02-13T07:09:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/navigating-the-end-of-the-psd2-mica-transition-the-ebas-supervisory-priorities-for-emt-related-activities/</loc>
		<lastmod>2026-02-16T08:00:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/eu-space-act-an-initiative-to-harmonise-space-activities/</loc>
		<lastmod>2026-03-11T08:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/when-reputational-risk-lingers-lessons-from-the-epstein-files-for-global-finance/</loc>
		<lastmod>2026-03-18T08:00:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/sfdr-2-0-recalibrating-the-architecture-of-eu-sustainable-finance/</loc>
		<lastmod>2026-03-25T08:00:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/remove-majority-shareholder-malta/</loc>
		<lastmod>2026-02-20T13:26:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/fiduciary-shareholding-and-investment-based-crowdfunding/</loc>
		<lastmod>2026-02-20T13:26:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/us-hun-tax-planning-schemes-the-end-has-come-whats-next/</loc>
		<lastmod>2026-02-20T13:28:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/establishing-a-branch-of-a-company-in-malta-establishing-a-branch-of-a-bank/</loc>
		<lastmod>2026-02-20T13:28:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/regulatory-touchpoints-for-single-family-offices-in-malta/</loc>
		<lastmod>2026-03-06T08:00:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/structuring-a-single-family-office-in-malta-key-legal-vehicles/</loc>
		<lastmod>2026-02-27T08:00:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-investment-services-supervision-key-developments-for-2026/</loc>
		<lastmod>2026-03-20T08:00:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/international-womens-day-from-historical-reform-to-corporate-governance-in-malta/</loc>
		<lastmod>2026-03-08T08:00:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-thematic-review-aifm-ucits-compliance/</loc>
		<lastmod>2026-04-08T08:00:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/bridging-tradition-and-regulation-maltas-shariah-compliant-funds-framework-explained/</loc>
		<lastmod>2026-04-15T08:00:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/unlocking-capital-markets-the-promise-and-complexity-of-sukuk-in-malta/</loc>
		<lastmod>2026-04-22T08:00:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/islamic-finance-malta-framework/</loc>
		<lastmod>2026-04-29T08:00:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/tokenised-fund-units-collateral-malta/</loc>
		<lastmod>2026-05-06T08:00:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/tax-and-residency-considerations-for-single-family-offices-in-malta/</loc>
		<lastmod>2026-03-17T10:49:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/stablecoins-and-unhosted-wallets-fatf-publishes-report-on-emerging-aml-cft-risks/</loc>
		<lastmod>2026-04-01T08:00:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-depositary-reporting-changes-2026/</loc>
		<lastmod>2026-04-06T08:00:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/preparing-for-amld6-the-next-step-in-aml-reporting-for-subject-persons/</loc>
		<lastmod>2026-05-20T08:00:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/malta-youth-enterprise-companies/</loc>
		<lastmod>2026-05-27T08:00:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/fiau-revises-implementing-procedures-part-i/</loc>
		<lastmod>2026-05-04T09:00:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/investment-platforms-for-single-family-offices/</loc>
		<lastmod>2026-06-03T08:00:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mica-transitional-arrangements-expiry/</loc>
		<lastmod>2026-05-27T07:26:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/europol-iocta-2026-rising-cybercrime-and-aml-risks-for-malta-businesses/</loc>
		<lastmod>2026-06-10T08:00:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/offshore-crypto-fatf-regulation-compliance/</loc>
		<lastmod>2026-05-29T10:38:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/family-office-malta/</loc>
		<lastmod>2026-06-17T08:00:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/succession-wealth-transition-in-maltese-single-family-offices/</loc>
		<lastmod>2026-06-24T08:00:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/esmas-2026-priorities/</loc>
		<lastmod>2026-07-08T08:00:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/defi-mica-malta-digital-finance/</loc>
		<lastmod>2026-07-15T08:00:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/organised-crime-money-laundering-malta-fiau-analysis/</loc>
		<lastmod>2026-07-22T08:00:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mica-transitional-period-aml-risks-casps/</loc>
		<lastmod>2026-07-01T08:00:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/fatf-launches-public-consultation-on-recommendation-16-guidance/</loc>
		<lastmod>2026-07-29T08:00:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/terrorist-financing-in-the-digital-space-insights-from-the-financial-action-task-force-fatf-on-social-media-instant-messaging-applications-and-streaming-platforms-smsps/</loc>
		<lastmod>2026-08-05T08:00:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/crypto-decentralisation-legal-reality/</loc>
		<lastmod>2026-08-12T08:00:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/film-finance-malta-mediterrane-festival/</loc>
		<lastmod>2026-07-17T08:00:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.zerafa.com.mt/mfsa-csp-arranging-directorship-company-secretarial-services/</loc>
		<lastmod>2026-08-19T08:00:48+00:00</lastmod>
	</url>
</urlset>
<!-- XML Sitemap generated by Yoast SEO -->