Provoking thought

Regulatory topics for 2012

At the start of 2012, with the global and eurozone financial crises still far from over, we have set out our view of twelve key regulatory and supervisory topics for the year ahead. Given the sheer volume of activity in this area it was a significant challenge to narrow our selection for 2012. The choice was made on the basis of their significance to our financial services clients in terms of their impact, the level of organisational change required to comply and the proximity of implementation deadlines. Additionally our top 12 includes topics we consider will be priorities for regulators and international policy. Some of the topics, including bank and insurance capital have been carried forward from previous years where impending deadlines and further developments have kept them firmly at the top of the regulatory agenda. Others are new or revisited areas of focus, such as shadow banking.

We have approached our analysis from a UK perspective, noting relevant global and EU angles where appropriate. We hope our 12 topics will provide food for thought and encourage discussion and debate in this period of unprecedented regulatory change. We would very much welcome feedback on them.

View our regulatory topics for 2012.

Centre for Regulatory Strategy research & insights

Product governance
The European landscape for regulation is changing significantly. This paper examines the key impacts of the emerging European regulatory approach to product governance and its consequences for UK firms.
Aggregated risk on demand
This paper explains how developments in the scale and speed of computing are enabling a new technology known as 'aggregate risk on demand'. We detail how it can help firms drive up returns on equity by improving their pricing, optimising their portfolios, conserving capital, cutting costs and enabling smarter, more timely decisions.
The Mortgage Market Review - Common sense at the heart of mortgage lending
In December 2011, the FSA published the Mortgage Market Review: Proposed package of reforms. This article, highlights the key proposals and policy questions, and explores some of the potential competition impacts on participants in the mortgage market.
Changing the domestic supervisory architecture in Europe
The paper analyses the supervisory architecture in the EU countries that (will) have two or more regulators – Austria, Belgium, France, Germany, Italy, the Netherlands, Spain and the UK – and provides suggestions and examples that could inform answers to a number of questions often asked by supervisors and firms operating in systems with more than two supervisors.
EMIR - A giant stride forward but further work to do
This briefing note sets out the key requirements of the European Markets Infrastructure Regulation (EMIR) and identifies some of the key issues that firms should be addressing now to ensure that they are well placed to meet these sweeping changes.
The ICB ‘s ring fence - Context and consequences
The Independent Commission on Banking’s proposals for protecting taxpayers against bank collapses will change the face of UK banking. This paper looks at the ICB’s potential impact through examining the proposals in the context of the wider regulatory change.

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