FNA Broadcasts

Payment Systems Broadcast #27 - Article 75 and privacy: The Future of Cross-Border Fraud Data Sharing


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As cross-border fraud accelerates and criminal networks become more sophisticated, few policy proposals have generated as much discussion as Article 75. Concepts like data sharing, collaboration, and privacy preservation are often used interchangeably — but do they mean the same thing? And can institutions truly collaborate across borders without exposing sensitive data.

FNA and guests Nick Maxwell (FFIS) and Ian Wachters (Roseman Labs) for this upcoming session, where we take a clear-eyed look at the assumptions shaping today’s debate on cross-border fraud intelligence, privacy obligations, and the role of privacy-enhancing technologies (PETs) such as Secure Multi-Party Computation.

In this 60-minute session, we move beyond the slogans and surface-level narratives by exploring the operational, regulatory, and technological realities behind Article 75, addressing:

Why today’s cross-border fraud blind spots persist — and how Article 75 aims to close them

The difference between sharing data and sharing insights, and why it matters
How PETs such as MPC enable collaboration that is privacy-preserving by design
What institutions can realistically expect in terms of governance, liability, and regulatory trust
The fraud and mule-network detection use cases that Article 75 could finally unlock

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