Deloitte Center for Regulatory Strategy, US

Anticipate and respond to regulatory developments

Financial institutions continue to deal with a fragmented regulatory framework, even as policy makers advance proposals related to headline-dominating trends. The Deloitte Center for Regulatory Strategy is your resource for understanding the strategic impact of regulatory developments in the US financial services industry, so you can respond to them with confidence.

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2024 is expected to yield new regulatory changes for the financial services industry. As a result, leaders should compare their current compliance frameworks against the requirements of upcoming financial regulations. Explore our 2024 financial services outlook collection to see what regulations could affect your enterprise.

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Navigating an ambitious 2024 regulatory agenda? Join our conversation as we cover how business, consumer, and technology developments have impacted the financial services industry in the United States; regulations governing its key activities; and what steps organizations can take in response.

From digital transformation to environmental, social, and governance concerns, regulators are turning their attention to a host of emerging priorities. Stay abreast of key developments with insights from our team.

The financial services industry is looking at an ambitious regulatory agenda. Whether you’re in banking and capital markets, investment management, or insurance, we navigate the issues for you here.

Policymakers are acknowledging the roles that consumer trust and expanded financial access play in promoting economic stability and growth. See where you stand amid the ongoing wave of regulatory initiatives to address these evolving topics.

Climate resiliency. Net-zero emissions. The energy transitions. With the pace of climate and sustainability-related rulemaking picking up in Washington, our team helps you bring it all into focus.

Digital assets have entered the regulatory spotlight. As authorities sort out the details, follow us for updates on the direction agencies are taking and what you can do to gauge the implications for your organization.

To curb the growing threat of cyber incidents and breaches, regulators are updating their approach. What does it mean for your cyber risk management strategy? We unpack the issues as new rules come online.

The Deloitte Center for Financial Services provides insight and research to assist senior-level decision makers at banks, capital markets firms, investment managers, insurance carriers, and real estate organizations.

Agencies issue final rule on quality control standards for automated valuation models

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Acting Comptroller Hsu discusses banks’ role in addressing consumer fraud

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Proposed FR Y-14 changes, new data requirements and reporting guidance

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SEC finalizes amendments to Regulation S-P

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Digital Assets Banking and Capital Markets Regulatory Digest - July 2024

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SEC and FinCEN propose rule to require investment advisers to establish Customer Identification Programs (CIPs)

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Dodd-Frank Act Stress Test (DFAST) Results: June 2024

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Regulatory management as strategy – regulatory engagement

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OCC proposes revisions to its recovery planning guidelines

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FSI Predictions 2024

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Providing insurance coverage for artificial intelligence may be a blue ocean opportunity

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Generative AI is expected to magnify the risk of deepfakes and other fraud in banking

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NAIC update: 2024 Spring National Meeting

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'Weapon and tool' - systemic risk implications of AI in banking and finance

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FRB Climate Scenario Analysis pilot: considerations for banks

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Back to basics: Lessons learned from recent banking turmoil and evolution of governance practices

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New repo data collection introduced by the Office of Financial Research (OFR)

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US Supreme Court affirms CFPB funding

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Federal banking agencies release community bank guide on third-party risk management

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Final rule on US Treasury clearing

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Federal Reserve proposes expanding operations of large-value payment services

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Data security as consumer protection

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Getting ready for the DOL’s Retirement Security Rule and amendments to PTEs

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SEC climate disclosure: Considerations for insurers

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Swap Dealer Enforcement Actions

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Digital Assets Banking and Capital Markets Regulatory Digest - April 2024

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Meeting regulatory expectations for preserving and monitoring electronic communications

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CFPB bans excessive credit card late fees

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Navigating regulatory waters in the age of AI

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FICC submits modifications for its GSD Rulebook

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SEC climate disclosure: considerations for banking institutions

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FDIC proposes agency guidance requiring more scrutiny on bank mergers

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CFTC proposes operational resilience framework

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FINRA ends COVID-19 relief and adopts new residential supervisory location rule on remote work

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Regulatory management as strategy

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SEC finalizes amendments to require greater execution quality disclosure

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Rule 192 - Prohibition Against Conflicts of Interest in Certain Securitizations

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FinCEN proposes rule to require investment advisers comply with AML/CFT regulations

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SEC finalizes new rules to further define “dealer” and “government securities dealer”

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SEC finalizes reporting of securities loans

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Acting Comptroller Hsu recommends new metrics to trigger FSOC review

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NAIC update: 2023 Fall National Meeting

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BCBS 239 Progress Report: Significant work still needs to be done for full compliance

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2023 IAIS Global and Annual Meeting Review

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CFPB proposes closing bank overdraft loophole

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US Basel III Endgame: Understanding the report level changes

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2024 examination focus areas for FINRA and SEC

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OCC proposes changes to bank merger approval process

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Digital Assets Banking and Capital Markets Regulatory Digest - January 2024

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Acting Comptroller Hsu recommends new liquidity requirements for large and midsize banks

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California passes digital asset regulatory framework

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OCC issues guidance on managing risks associated with BNPL lending

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SEC announces US Treasury clearing Final Rule

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FHFA finalizes amendments to Enterprise Regulatory Capital Framework (ERCF)

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CFPB seeks to expand federal oversight for digital wallets and payment providers

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FSOC regulatory framework for nonbank financial companies

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SEC climate disclosure: considerations for banking institutions

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FDIC proposes agency guidance requiring more scrutiny on bank mergers

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Banking agencies finalize principles for climate-related financial risk management

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The Climate Corporate Data Accountability Act (SB-253)

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Agencies modernize the Community Reinvestment Act (CRA)

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Climate risk regulatory developments: November 2023

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Colorado’s watershed AI regulation and proposed testing rule for life insurers

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CFPB proposed open banking rule “accelerates the shift”

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NYDFS remakes coin listing guidance

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FDIC focuses on bank boards for governance and risk enhancements

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NAIC update: 2023 Summer National Meeting

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Digital Assets Banking and Capital Markets Regulatory Digest - October 2023

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Climate risk regulatory developments: October 2023

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Proposed changes to bank capital and the impact on regulatory reports

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Federal banking agencies propose new resolution planning requirements

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Federal banking agencies propose new long-term debt requirement

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Intersection of Section 1071 and proposed Community Reinvestment Act (CRA)

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The next chapter in CAT (Consolidated Audit Trail) compliance and enforcement

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NAIC’s Consumer Privacy Protection Model Law #674

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SEC enhances regulation of private fund advisers

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Climate risk regulatory developments: September 2023

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The FIO calls on states, NAIC to increase their climate-risk capabilities

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Federal Reserve Board establishes Novel Activities Supervision Program

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US Basel III Endgame: Key changes, impacts and where to begin

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Dark patterns: Considerations for Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) programs

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Climate risk regulatory developments: July 2023

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NAIC Update: Spring Meeting 2023 in Louisville

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Climate risk regulatory developments: June 2023

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CFPB's final rule implementing Section 1071 of the Dodd-Frank Act

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Financial Inclusion Digest – August 2022

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Digital Assets Banking and Capital Markets Regulatory Digest - June 2023

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Climate risk regulatory developments: May 2023

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Engaging with stablecoins?

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Climate risk regulatory developments: April 2023

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Climate risk regulatory developments: March 2023

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Enhanced data collection for repurchase transactions

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Transforming compliance risk metrics

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Banking regulators reinforce wall for banking involvement in crypto assets

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Climate risk regulatory developments: January 2023

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Banking regulators requiring review of digital asset products

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Climate risk regulatory developments: December 2022

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Climate risk regulatory developments: November 2022

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CFPB to finalize Section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act

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Bipartisan House bill proposes federal framework for payment stablecoins

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Climate risk regulatory developments: October 2022

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The Federal Deposit Insurance Corporation (FDIC) heightens its enforcement of the Federal Deposit Insurance (FDI) Act

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Climate risk regulatory developments: September 2022

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Digital assets policy primer: Fall 2022

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CFPB prioritizes anti-discrimination and ECOA compliance: what lenders need to know

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Community Reinvestment Act and Digital Banking Activities

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CFPB’s Supervisory Highlights - Spring 2022

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SEC Issues Cyber Rule Proposal for Advisers and Funds | Deloitte US

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SEC and FINRA publish 2022 exam priorities

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Playing catch-up: The FDIC takes first step to modernize the Bank Merger Act

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Cryptocurrency notification protocols and readiness

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Tiering introduced for for US Payments System Access

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SEC approves short interest reporting proposal

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Climate risk regulatory developments in financial services issue 11 - April 2022

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Federal reserve proposes framework for insurance holding company supervision

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New layer to crypto policy emerges with digital assets executive order

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Stablecoin regulatory update and enchanced framework

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Product risk management top of mind for banking regulator

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FR 2052a—Final Reporting Requirements

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Climate risk regulatory developments: July 2022

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Financial Stability Oversight Council (FSOC) identifies climate change as an emerging and increasing threat to financial stability

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IIF & Deloitte - The effectiveness of financial crime risk management reform and next steps on a global basis

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Banking and Capital Markets

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Investment Management

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Insurance

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Buy Now, Pay Later's evolving regulatory landscape

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Financial Inclusion Digest - May 2022

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CFPB expands UDAAP definition to include discrimination

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CFPB is refocusing priorities on nonbanks

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SEC releases "Meme Stock" report

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CFPB's "Prioritized Assessments" to examine pandemic-related consumer risk

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How can paytech companies manage Paycheck Protection Program risks?

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Climate risk regulatory developments: July 2022

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Climate risk regulatory developments: June 2022

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Federal Reserve Bank of New York researchers publish stress test model for climate transition risk

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NYDFS outlines expectations for managing climate risks

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Digital Asset Banking and Capital Markets Regulatory Digest - May 2022

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Cryptocurrency notification protocols and readiness

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Stablecoin regulatory update and enchanced framework

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DeFi deciphered: Navigating disruption within the financial services

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Digital Asset Banking and Capital Markets Regulatory Digest - November 2021

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So, You Want to Be a Stablecoin Issuer?

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Digital Asset Banking and Capital Markets Regulatory Digest - October 2021

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Central Bank Digital Currencies (CBDC): Regulatory and policy considerations in the US

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NYDFS seeks to prototype real-time regulatory reporting for virtual currency firms

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So, You Want to Be a Crypto Bank?

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OCC clarifies treatment of stablecoin reserves

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FFIEC Guidance on Authentication and Access to Financial Institution Services and Systems

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FFIEC issues Architecture, Infrastructure and Operations Booklet

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Investment management regulation: Navigating the present, and preparing for the future

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Center for Financial Services

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