Your National Competent Authority (Banco de España, ČNB, CySEC, BaFin, Central Bank of Ireland) has sent an RFI, requerimiento or deficiency letter on your EMI, PI or CASP licence application — and the clock is running. I turn your application pack plus the regulator's letter into a precise, point-by-point draft response in the regulator's own numbering. Each answer is traced to the evidence already in your application, and every missing piece is flagged in a gap-checklist, so you close it before the regulator does. What you get: a point-by-point draft response in the regulator's format; a traceability map (regulator point to answer to source in your application); and a gap-checklist of missing evidence to add before you submit. Why me: I personally took an EMI/PI application through Banco de España, answering its requerimiento point by point. 10+ years in fintech, payments architecture, regulatory documentation and AML/KYC, with my own expert review on every answer. I work under NDA, in writing and async. A drafting/consulting service to accelerate your response; final submission remains your decision.