On 21 September 2017, the European Central Bank published two draft guides to the bank licensing and to the fintech bank licensing. These 2 guides aim at explaining the application process, the licensing requirements for credit institutions in general and specific considerations for those with fintech business models. The consultation was open until November, 2nd 2017. In France, any bank licensing application is assessed by the ACPR, which notifies it to the European central bank for final decision.