Curated, regulator-by-regulator, across the UK, EU, US, Switzerland and Asia-Pacific. Each entry links to the primary text. Each carries a two-line Abgalis read on what it means for ORSA, capital, and disclosure cycles. Refreshed Monday, Wednesday, Friday.
Taking stock of IRDAI’s distribution reset Trading View
Source: news.google.com →IRDAI’s Fight Against Excessive Insurance Commissions bfsi. economictimes. indiatimes. com
Source: news.google.com →Editorial: Rein in the insurance middlemen DT Next
Source: news.google.com →MAS bans four former insurance representatives over misconduct asiainsurancereview. com
Source: news.google.com →Prudential S'pore insurance agent claims he got fired after whistleblowing company, ordered to pay S$120,000 after losing appeal Mothership
Source: news.google.com →Is Attorney General Peter F. Neronha right that insurers are to blame for R.I.’s rising health insurance premiums? pbn. com
Source: news.google.com →Florida suspends Atlantic Coast Life from writing policies in the state Insurance News Net
Source: news.google.com →EIOPA published today its April 2026 Insurance Risk Dashboard. The main findings show that risks in the European insurance sector are stable at a medium level.
Relevant for EEA-exposed groups. The trajectory matters more than the headline.
Source: eiopa.europa.eu →The latest FCA and Practitioner Panel survey shows rising levels of satisfaction, confidence and trust in the FCA among firms, alongside a strong understanding of Consumer Duty expectations. The FCA and Practitioner Panel annual survey of regulated firms provides valuable insights into how firms think we’re performing. The latest survey shows 79% of firms are highly satisfied with their relationship with the FCA, up from 74% last year.
Material for conduct-side risk teams. Cross-check against the Consumer Duty implementation playbook.
Source: fca.org.uk →This final rule implements the Global Benchmark for Efficient Drug Pricing Model (GLOBE Model), a new mandatory Medicare payment model under section 1115A of the Social Security Act. The GLOBE Model will test whether a payment model that uses an alternative method for calculating Medicare Part B drug inflation rebate amounts for certain separately payable Medicare Part B drugs and biological products reduces costs for Original Medicare (OM) beneficiaries and the Medicare program while preserving quality of care. The term OM has the same meaning as Medicare fee-for-service and the traditional M
Source: federalregister.gov →The Board of Governors of the Federal Reserve System (Board) has adopted final amendments to Regulations Y, LL, and YY to enhance the transparency and public accountability of the Board's stress testing framework. The Board is also finalizing amendments to the Policy Statement on the Scenario Design Framework for Stress Testing and the Stress Testing Policy Statement. The Board is also announcing that it is finalizing models for the 2027 stress test and proposing for public input additional changes to the stress test models for the 2027 stress test. Finally, the Board is finalizing changes to
Source: federalregister.gov →The Board is adopting a final rule to amend the calculation of the Board's stress capital buffer requirement applicable to certain large bank holding companies, savings and loan holding companies, U.S. intermediate holding companies of foreign banking organizations, and nonbank financial companies supervised by the Board to reduce the volatility of the stress capital buffer requirement. The final rule uses the average of the maximum common equity tier 1 capital ratio declines projected in each of the Board's prior two annual supervisory stress tests to inform a firm's stress capital buffer req
Source: federalregister.gov →IRDAI commission proposal puts India’s insurance distribution model under pressure ET Entrepreneur
Source: news.google.com →Central Bank of Ireland Governor Gabriel Makhlouf today (Thursday 1 October) spoke at the Irish Funds Annual Global Funds Conference , where he set out why deeper, more integrated European capital markets matter for Irish households and the wider economy. Delivering this requires the financial services sector to take their opportunities, while ensuring trust is maintained. Governor Makhlouf said: "Capital goes where the opportunity is, and it stays where it is trusted." Reiterating that creating opportunity is Europe's task, by delivering a single market in goods, services and capital, and bui
Source: centralbank.ie →The Rural Business-Cooperative Service (RBCS or the Agency), an agency of the Rural Development (RD) mission area within the U.S. Department of Agriculture (USDA) is issuing a final rule with comment period. Implementation of this action will simplify and streamline requirements and processes in the Rural Energy for America Program (REAP). Under the new REAP structure, projects must already be fully built and operational before the applicant ever applies. Applicants then apply, submitting actual energy production or savings data for the prior 12 months, alongside 12 months of pre-installation
Source: federalregister.gov →The Federal Trade Commission ("FTC" or "Commission") proposes to commence a rulemaking proceeding to prevent certain unfair or deceptive acts or practices by search engine, social media, and other digital marketplace platforms that further government and business impersonation scams to defraud consumers. The Commission is soliciting written comment, data, and arguments concerning the need for such rulemaking.
Source: federalregister.gov →The Coast Guard proposes removing six requirements related to endorsements for the International Convention on Standards of Training, Certification, and Watchkeeping for Seafarers, 1978, as amended, and the Seafarer's Training, Certification, and Watchkeeping Code. Changes would affect Masters and Officers in Charge of a Navigational Watch of less than 500 GT in near-coastal waters; Officers in Charge of an Engineering Watch, Designated Duty Engineers, and Electro-technical Ratings of 750 kW/1,000 HP or more. This proposed action includes technical revisions to remove duplicative or outdated l
Source: federalregister.gov →These Regulations make amendments to the Council Tax Reduction (State Pension Credit) (Scotland) Regulations 2012 (“the 2012 Regulations”) and the Council Tax Reduction (Scotland) Regulations 2021 (“the 2021 Regulations”). Regulation 2 amends the 2012 Regulations and regulation 3 amends the 2021 Regulations.
Source: legislation.gov.uk →The PRA Regulatory Digest is for people working in the UK financial services industry and highlights key regulatory news and publications delivered for the month.
Source: bankofengland.co.uk →The Core Principles for Effective Deposit Insurance Systems (core principles) of the International Association of Deposit Insurers are the international standard for the design, implementation and assessment of deposit insurance systems. They provide a benchmark for jurisdictions to evaluate and enhance their deposit insurance frameworks, with the dual objectives of safeguarding depositors and promoting financial stability.
Source: bis.org →Our Financial Policy Committee (FPC) meets to identify risks to financial stability and agree policy actions aimed at safeguarding the resilience of the UK financial system.
Macroprudential context for the insurance sector. Read against your operational resilience programme.
Source: bankofengland.co.uk →EIOPA published a report today examining how climate change could affect life and health insurers and occupational pension providers. The report identifies extreme heat as the leading climate-related liability risk for the sectors.
Relevant for EEA-exposed groups. The trajectory matters more than the headline.
Source: eiopa.europa.eu →ESMA calls for changes to make MiCA clearer, safer and ready for emerging services 30 September 2026 Digital Finance and Innovation Investor protection The European Securities and Markets Authority (ESMA), the EU’s financial markets regulator and supervisor, has responded to the European Commission’s public consultation on the review of Markets in Crypto-Assets Regulation (MiCA). ESMA’s recommendations aim to simplify the framework while improving investor protection and addressing innovative business models, such as decentralised finance (De Fi), staking, lending and borrowing. Enhancing inve
Source: esma.europa.eu →Three new appointments have been made to our Board, bringing additional experience in public policy, financial services, regulation and corporate leadership as we continue to deliver our strategy. Lea Paterson CBE and Matthew Tobin have been appointed by the Treasury as non-executive directors, while deputy chief executive Sarah Pritchard has joined the Board as an executive member. Lea Paterson CBE has a career spanning economics, financial journalism, public policy and regulation.
Material for conduct-side risk teams. Cross-check against the Consumer Duty implementation playbook.
Source: fca.org.uk →Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements
Source: federalreserve.gov →This final rule adjusts the Employment-Based Immigration, Fifth Preference (EB-5) immigration benefit request fees charged by U.S. Citizenship and Immigration Services (USCIS). It also codifies provisions of the EB-5 Reform and Integrity Act of 2022, implements new statutory requirements, and addresses public comments received on the proposed fee rule published on October 23, 2025.
Source: federalregister.gov →The Department of the Treasury's Office of Foreign Assets Control (OFAC) is publishing two Iran-related general licenses (GLs): GL X and GL X1. These GLs were previously made available on OFAC's website. GL X was revoked and superseded by GL X1. GL X1 has expired.
Source: federalregister.gov →On 30 September 2026, the Swiss Financial Market Supervisory Authority FINMA launched the consultation on the partially revised Circular 2017/6 “Direct transmission”. The consultation will go on until 27 November 2026.
Source: finma.ch →Read the highlights of the IAIS’ work throughout the month of September.
Sets the international trajectory. UK and EU positions usually follow within twelve months.
Source: iais.org →Breadcrumb Home Statistical Publication Intermediated general insurance statistics General insurance Published 29 September 2026 Print On this page On this page APRA publishes statistics on intermediated general insurance placed with APRA-authorised general insurers, Lloyd’s underwriters and unauthorised foreign insurers, on a bi-annual basis. Intermediated general insurance statistics June 2026 XLSX 214.17 KB ‧ 29 September 2026 The intermediated general insurance statistics contain industry level data relating to business placed by intermediaries. Statistics are also provided on business pla
Source: apra.gov.au →Central Bank of Ireland has today (29 September 2026) announced a reduction in the Insurance Compensation Fund Levy to 0%, which will take effect from 1 January 2027. It is the first time the levy has been set at 0% since it came into effect in 2012. This marks the second change in the levy in two years, following the reduction from 2% to 1% in January 2026. The change will affect many customers with non-life insurance policies such as home and motor insurance (if the motor insurance firm is regulated by the Central Bank of Ireland). The fund is collected by the Revenue Commissioners and used
Source: centralbank.ie →summary of article – appears on News Release page
Source: tdi.texas.gov →Good morning everyone, and welcome to North Wall Quay. It is good to see you all here. These roundtables have become an important part of how we work at the Central Bank. You all bring perspectives that help us understand how the financial system works for people in practice, and where it may be falling short. Colm will say more about our engagement with civil society shortly, but I want to say at the outset how much I value the contribution you make. I recently completed something I set out to do when I became Governor, visiting all 26 counties. Those visits reinforced for me that the economy
Source: centralbank.ie →EIOPA published today a follow-up to its approach to simplification. The new note takes stock of the progress made so far and sets out EIOPA's ongoing efforts and future plans to make regulation simpler and reduce unnecessary complexity across Europe's insurance and occupational pensions sectors.
Relevant for EEA-exposed groups. The trajectory matters more than the headline.
Source: eiopa.europa.eu →ESMA sets 2027 priorities for stronger, simpler and more integrated EU capital markets 28 September 2026 About ESMA Press Releases Simplification and Burden Reduction The European Securities and Markets Authority (ESMA), the EU’s financial markets regulator and supervisor, has today published its annual Work Programme for 2027. Guided by ESMA’s multi-annual strategy for 2023–2028, the programme is marking a shift from preparation to the delivery of several major initiatives. Verena Ross, Chair of ESMA, said: “2027 marks an important milestone for the Savings and Investments Union (SIU) as many
Source: esma.europa.eu →We asked the Court to make Arthur Temlett, trading as Abacus Insurance Consultants ('Abacus'), bankrupt. This is known as sequestration in Scotland. The Sheriff granted our application on 27 August 2026. Emma Porter of Aver Chartered Accountants ('Aver') was appointed as trustee. She will now assess Mr Temlett’s financial affairs and seek to distribute any recovered funds to creditors. Arthur Temlett is awaiting trial on embezzlement charges brought following an investigation by Police Scotland.
Material for conduct-side risk teams. Cross-check against the Consumer Duty implementation playbook.
Source: fca.org.uk →On 24 September 2026, IMFP and IMA entered administration. Robert Goodhew and Geoff Bouchier of Kroll Advisory Limited were appointed joint administrators for both firms. The joint administrators are responsible for managing the affairs of the firms during the administration process. They are officers of the court and need to comply with all insolvency law. IMFP is authorised by the FCA. IMA is an appointed representative of IMFP.
Material for conduct-side risk teams. Cross-check against the Consumer Duty implementation playbook.
Source: fca.org.uk →On 25 September 2026, ITI Capital Ltd (ITI Capital) entered special administration. Duncan Perring and David Soden, both of Teneo Financial Advisory Ltd (Teneo), were appointed as special administrators. ITI Capital is a FCA authorised and regulated brokerage company that helped customers invest in shares and bonds and looked after their investments. On 10 August 2025, ITI Capital agreed to stop carrying out most regulated activity (UK and overseas) and to stop accepting any new client money or custody assets .
Material for conduct-side risk teams. Cross-check against the Consumer Duty implementation playbook.
Source: fca.org.uk →Profession-side direction worth absorbing. The Actuaries' Code and TAS implications follow.
Source: actuaries.org.uk →This Order updates the list of public bodies in schedule 1 of the Climate Change (Duties of Public Bodies: Reporting Requirements) (Scotland) Order 2015. Bodies listed in that schedule are required to prepare reports on compliance with climate change duties imposed under (or by virtue of) section 44 of the Climate Change (Scotland) Act 2009.
Source: legislation.gov.uk →The European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) have identified external dependencies, emerging technologies and private credit as key vulnerabilities for the EU financial system in their Autumn 2026 risk update.
Source: eba.europa.eu →The European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) have identified external dependencies, emerging technologies and private credit as key vulnerabilities for the EU financial system in their Autumn 2026 risk update.
Relevant for EEA-exposed groups. The trajectory matters more than the headline.
Source: eiopa.europa.eu →ESAs call for vigilance over external dependencies, cyber threats and private credit risks 23 September 2026 Joint Committee Risk monitoring The European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) have identified external dependencies, emerging technologies and private credit as key vulnerabilities for the EU financial system in their Autumn 2026 risk update. The ESAs warn that the sector's reliance on non-EU providers and infrastructures could amplify the impact of geopolitical shocks and operational disruptions. Dependence on ICT service providers outside the European Economic
Source: esma.europa.eu →ESMA sets new supervisory priority on digital innovation from 2027 23 September 2026 Digital Finance and Innovation Supervisory convergence The European Securities and Markets Authority (ESMA), the EU’s financial markets regulator and supervisor, will launch a new Union Strategic Supervisory Priority (USSP) to help embrace innovation while protecting investors and maintaining strong safeguards. The digital innovation USSP aims to ensure supervisors have the expertise and capacity to oversee the use of new technologies. In collaboration with National Competent Authorities, our initial focus wil
Source: esma.europa.eu →News. TikTok has agreed to pay a £12.7m fine imposed by us in 2023 after withdrawing its appeal of the underlying penalty notice.
Source: ico.org.uk →Profession-side direction worth absorbing. The Actuaries' Code and TAS implications follow.
Source: actuaries.org.uk →Consultation paper
Worth careful read for any UK insurer scoping SS5/25 / ORSA implementation. We will flag implications in the next Cascade brief.
Source: bankofengland.co.uk →The Texas Department of Insurance released a new webpage that shows the reasons insurance companies decline, don’t renew, or cancel home insurance policies in every ZIP code in Texas.
Source: tdi.texas.gov →The FCA is partnering across sectors to expand protection insurance coverage for millions of unprotected people. While the market is working well for consumers who have protection insurance, millions of people remain unprotected. Around 58% of adults have no life insurance, critical illness cover or income protection – and 59% of that group has never considered it. This means that millions could be left vulnerable in the event of a death in the family, serious illness or loss of income.
Material for conduct-side risk teams. Cross-check against the Consumer Duty implementation playbook.
Source: fca.org.uk →Seána Cunningham delivers her opening remarks at the UNEP Global Sustainable Insurance Summit in Dublin.
Source: centralbank.ie →As part of the European Banking Authority’s (EBA) ongoing efforts to simplify its regulatory framework, the Guidelines focus on third-party arrangements supporting critical or important functions (CIFs) namely the disruption of which would materially impair the performance of a financial entity. By concentrating on these higher-risk arrangements, the Guidelines reduce unnecessary operational and supervisory burdens for less material ones while maintaining sound risk management.
Source: eba.europa.eu →This Order amends the Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859) (“the 2025 Order”), which provides for certain deferred payment credit agreements, also referred to as “buy-now-pay-later” agreements, to become regulated credit agreements within the meaning of article 60B(3) of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (S.I. 2001/544) (“RAO”).
Source: legislation.gov.uk →Good evening. I know you’ ve already been here for a couple of days but it’ s a pleasure to extend my own – slightly delayed – welcome to all visitors to Dublin. Today you have covered Basel divergence, the Banking Union, the Savings and Investments Union, stablecoins and banking competitiveness. You have certainly earned your dinner. You have also heard from Commissioner Albuquerque, Executive Vice-President Dombrovskis and Director-General Berrigan so, from me, no more on the legislative state of play. Instead, I want to step back and talk about the urgent choice in f
Source: centralbank.ie →Central Bank of Ireland Governor Gabriel Makhlouf today (Thursday 17 September) spoke at the Eurofi Financial Forum held in Dublin, where he said Europe needs to move faster on the completion of the Single Market. Governor Makhlouf said: “ We need to create One Single Market – in goods, services, and capital simultaneously – and we need to move faster than we are moving now.” He said that Europe is “ not realising the potential of the European economy.” Governor Makhlouf said: “ You cannot have a genuinely integrated capital market without integrated g
Source: centralbank.ie →Blog. The emergence of smart glasses and other AI-enabled wearable devices has sparked an important public debate.
Source: ico.org.uk →Good afternoon Cathaoirleach and members of the Committee. I am joined by Dr Thomas Conefrey, Head of Irish Economic Analysis, and we thank you for the opportunity to engage in advance of October’ s Budget . Every day, train commuters across Ireland hear a familiar warning: mind the gap. This phrase aptly captures the central challenge facing our public finances. This gap is the underlying budget deficit. While the headline fiscal position has been in surplus, the underlying position has deteriorated, with the gap growing from an estimated €800 million in 2019 to €7.2 billion i
Source: centralbank.ie →Decentralised finance data presents a distinctive paradox: while every data point is publicly recorded and accessible, deriving meaningful insights is obscured by the scale, fragmentation and complexity of the ecosystem. Key metrics illustrate that the rapidly evolving De Fi ecosystem introduces unique challenges for economic and financial research in accurately capturing financial activity in De Fi.
Source: bis.org →The Texas Department of Insurance (TDI) issued a bulletin directing insurance companies to offer discounts for homes built to certain construction standards that help them withstand storm damage.
Source: tdi.texas.gov →On 10 September 2026, Premier Payment Solutions Ltd, which traded as PPS Money and MTBS (together, 'PPS Money'), entered liquidation. Bai Cham and Gary Shankland of BTG Begbies Traynor were appointed joint liquidators. PPS Money is registered as a small payment institution under the Payment Services Regulations 2017 (the PSRs). The firm provided money-remittance services, primarily supporting money service businesses to make cross-border payments, including through its network of FCA-registered agents, which are businesses or individuals registered to…
Material for conduct-side risk teams. Cross-check against the Consumer Duty implementation playbook.
Source: fca.org.uk →This Order gives effect to proposals made by Surrey County Council, in its capacity as the administering authority of the Surrey Pension Fund and in the context of the local government reorganisation brought about by the Surrey (Structural Changes) Order 2026 (S.I. 2026/264), for the transfer of its pensions functions to a new body, the Surrey Pensions Authority.
Source: legislation.gov.uk →These Rules amend the Insolvency (England and Wales) Rules 2016 (S.I. 2016/1024) following review of the operation of the Rules since their introduction. The principal changes are as follows.
Source: legislation.gov.uk →These Regulations extend transitional provisions provided for in Regulation (EU) 575/2013 of the European Parliament and of the Council on prudential requirements for credit institutions and amending Regulation (EU) No 648/2012 (the “Capital Requirements Regulation”) as extended by: i) the Central Counterparties (Transitional Provision) (Extension and Amendment) Regulations 2022 (S.I 2022/1244); ii) the Central Counterparties (Transitional Provision) (Extension and Amendment) Regulations 2023 (S.I. 2023/999); iii) the Central Counterparties (Transitional Provision) (Extension and Amendment) Re
Source: legislation.gov.uk →Roundtable to explore how collaboration efforts between the public and private sectors can be structured and applied to prepare for and manage significant operational disruptions.
Source: fsb.org →El Departamento de Seguros de Texas publicó los resultados de su campaña para escuchar las ideas de los texanos para mejorar los seguros de auto y de vivienda.
Source: tdi.texas.gov →The Texas Department of Insurance released the results from its campaign to get ideas from Texans for improving auto and home insurance.
Source: tdi.texas.gov →Subscribe to the Abgalis Regulatory Roadmap — a short, technical brief delivered when something material lands. No spam, no promotional bloat. Implementation guidance for risk teams, signed off by our Chief Actuary.