The SEPA end-date was set to the 1st February 2014 for the Euro countries. Though, some countries declared niche products and waivers, hence giving them an extra period of time to be SEPA compliant only by the 1st February 2016. Niche products will need to be replaced by a new product by the end-date of 2016. Waivers, on the other hand, will have to be stopped by the end-date. Discover in the newsletter whether you are impacted and how.