Ganado Advocates

Understanding the Proposed Critical Medicines Act

A step forward in securing Europe’s medicine supply.

The Artificial Intelligence Act and insurance sector overview: Where are we so far?

The Regulation (EU) 2024/1689 (AI Act), published in July 2024, applies across all sectors, including insurance.

Strengthening Oversight and Innovation in Malta’s Insurance Sector

An overview of the MFSA 2024 Annual Report

EBA's opinion on PSD2 and MiCA: Path for CASPs who provide services in relation to EMTs

On 10 June 2025, the European Banking Authority (“EBA”) published its long-awaited Opinion[1] on how the existing second Payment Services Directive (“PSD2”) interacts with the Markets in Crypto-Assets Regulation (“MiCA”), in the context of electronic money tokens (“EMTs”)...

MFSA publishes observations from inspections with investment services providers

The Malta Financial Services Authority (“MFSA”) has published a Dear CEO letter addressed to all chief executive officers and compliance officers of ‘persons professionally arranging or executing transactions’, particularly to investment services providers.

Chambers Global Practice Guide – Artificial Intelligence 2025

Ganado Advocates is the author of the Malta chapter in the Chambers Global Practice Guide 2025 on Artificial Intelligence (AI).

ESMA final reports on amendments to the Prospectus Regulation and Civil Prospectus Liability

The European Securities and Markets Authority (“ESMA”), the EU’s financial markets regulator and supervisor, has today released its final reports on the Prospectus Regulation and on civil prospectus liability.

Publication of Luxembourg’s 2025 National Risk Assessment

Luxembourg’s National Prevention Committee on money laundering and financing of terrorism (“NPC”) has published a revised version of Luxembourg’s National Risk Assessment which was prepared under the direction of the Ministry of Justice in Luxembourg and approved by the NPC on 28th April 2025...

Lexology Panoramic – Trademarks guide 2025

Ganado Advocates is the author of the Malta chapter in Lexology Panoramic – Trademarks guide, 2025 edition.

Lexology Panoramic – Restructuring and Insolvency guide 2025

Ganado Advocates has contributed to the Malta chapter in the 2025 edition of Lexology Panoramic – Restructuring and Insolvency guide.

Cross-Border Wars: CJEU clarifies jurisdiction rules in BSH v. Electrolux

On 25 February 2025, the Court of Justice of the European Union (CJEU) issued a pivotal ruling in BSH Hausgeräte GmbH v. Electrolux AB (Case C-339/22), addressing jurisdictional issues in cross-border patent litigation.

Renewable Energy in Malta 2025

Ganado Advocates has contributed to the Malta Chapter of the 4th edition of the Legal 500 Renewable Energy Comparative Guide.

Acceleration Clauses in Personal Loan Agreements in the context of the Unfair Terms Directive

The general provisions found under Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts (the “Unfair Terms Directive”), which is aimed at safeguarding consumer rights in contracts with suppliers, have often been analysed and supplemented by judgments of the Court of...

ID-DRITT XXXV – Clean titles & cross-border conflicts: Resolving the international effects of judici

In today’s rapidly evolving global economy, ships are identified as key industry players by virtue of their day-to-day cross-border voyages making them one of the most essential and volatile economic units.

MFSA amendments to FIR/02 and FIR/03: Participation in payment systems and DORA alignment

The Malta Financial Services Authority (“MFSA”) has revised Chapter 2 of the Financial Institutions Rulebook (“FIR/02”) and Chapter 3 of the Financial Institutions Rulebook (“FIR/03”) to reflect recent regulatory developments at European level.

ID-DRITT XXXV – Procedural requirements for counterclaims under the ICSID Convention: Consent and co

A counterclaim is an independent claim made by a respondent party against a claimant, which reacts and is incidental to the original claim, while also having an objective which extends beyond the mere dismissal of that original claim.1

Key amendments to the Maritime Labour Convention: Strengthening protections for seafarers

The most recent amendments to the Maritime Labour Convention (MLC) of 2006, represent a significant step in strengthening the rights and welfare of seafarers.

Small Initiatives Support Scheme renewed with €180,000 budget for 2026 projects

The Small Initiatives Support Scheme (SIS), a key funding mechanism for voluntary organisations, has been renewed for another year.

Arbitration in Malta: Court balances procedure, legislative intent and party autonomy

On 28 April 2025, the Court of Magistrates, presided over by Magistrate Dr Victor G. Axiak, delivered a partial judgment in the case of Nigel Scerri and Ennessee Ltd v. SR Environmental Solutions Ltd.

A constitutional tug of war over Malta’s rent laws

For decades, Malta’s rental laws have been a legal minefield, balancing the rights of landlords against the protection of tenants.

Maritime trade in the crosshairs: Understanding the EU’s 16th sanctions package

On 24th February 2025, the European Union (“EU”) introduced its 16th package of restrictive measures and sanctions against Russia (the “16th Package”) through Council Regulation 2025/395 amending Regulation (EU) No. 833/2014 concerning restrictive measures in view of Russia’s actions...

MFSA seeks industry feedback on EU Banking Package implementation

On the 9 May 2025, the MFSA issued a consultation document on the national transposition and implementation of the Banking Package,1 namely CRDVI2 and CRRIII.

Malta Ship Registry to issue electronic certificates effective 1 June 2025

On 12 May 2025, the Merchant Shipping Directorate of Transport Malta issued Merchant Shipping Notice 193, which introduces a significant regulatory development concerning the issuance and legal recognition of statutory certificates by the Malta Ship Registry.

The interpretation of ‘Pre-Existing Medical Condition’ clauses in travel insurance policies

On 5 February 2025, the Court of Appeal (in its inferior jurisdiction), delivered its final judgment in the case of ‘D.M. v X Insurance’ which related to an appeal filed by X Insurance (the “Insurer”).

Luxembourg actively managed UCITS ETFs

Relaxation of transparency rules and subscription tax exemption.

Publication of draft delegated act in terms of the Listing Act

As part of the reforms introduced by the EU Listing Act (“Listing Act”), important amendments have been made to article 17 of the Market Abuse Regulation (“MAR”), specifically in relation to (a) the disclosure of inside information during “protracted processes”, and (b) the delay of disclosure...

Case Note: CJEU’s Commission v Malta — rethinking citizenship by investment

The case concerns Malta’s 2020 investor citizenship framework, formally called “Citizenship by Naturalisation for Exceptional Services by Direct Investment” or NESDI.

Salvage claims and debt recovery: Legal perspectives on compensation obligations

In ‘Sandy Yacht Marina Limited v. Bastiment M/Y Leymour’ decided by the First Hall of the Civil Court (the “Court”) on 27th March 2025, the Court held that defining whether services qualify as ‘salvage’ is a key consideration to make when determining the payment of salvage services.

MFSA revises bancassurance policy in the light of ECJ judgment

On the 16th April 2025, the Malta Financial Services Authority (MFSA) has issued a Circular introducing key regulatory changes affecting bancassurance in response to a 2022 European Court of Justice (ECJ) ruling.

The validity of post-insolvency transactions

Interpreting Article 31(1) of the EU Regulation on Insolvency Proceedings.