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최신 공표 자료
FCA · 의견 수렴 · · 중간
CP26/37: Senior Managers and Certification Regime (SM&CR) Review: Phase 2
The FCA consults on the second phase of its review of the Senior Managers and Certification Regime (SM&CR), proposing to streamline senior manager applications, reduce the number of firms in the Enhanced regime, remove the Certification Regime and simplify Conduct Rule training and breach reporting thresholds. It applies to all firms in scope of the SM&CR, including third-country branches, and to cryptoasset firms expected to come into scope.
본문의 날짜: 2026-10-22 Consultation opens · 2027-01-22 Deadline to send comments on CP26/37 · 2027-06-30 Expected publication of final rules in a Policy Statement in the first half of 2027
확인해 볼 사항
Check whether any of your current SMF roles would be affected by the proposed removal or notification changes.
Review the proposed changes to Statements of Responsibilities, Management Responsibilities Maps, Conduct Rule training and breach reporting thresholds against your current processes.
Consider whether your firm would be affected by the proposed change to Enhanced regime thresholds, and whether to respond by 22 January 2027.
The FCA published findings from its consumer finance supervisory work on how firms assess, evidence and monitor fair value under the Consumer Duty, highlighting good practice and areas for improvement under the price and value outcome in PRIN 2A.4 and chapter 7 of guidance FG22/5. It also shares observations on communicating fees and charges and preventing foreseeable harm from repeat or cumulative charges. The publication states that its examples do not create new requirements, and it is of interest mainly to consumer finance firms subject to the Consumer Duty.
확인해 볼 사항
Check whether fair value assessments include all financial and non-financial costs, such as consumers' time and effort, alongside expected benefits.
Review whether fair value conclusions are supported by sufficient evidence, management information and customer outcome data, including for customer groups with characteristics of vulnerability.
Review how fees and charges are communicated and whether controls such as limits on repeat or cumulative charges are monitored for effectiveness.
Bekanntmachung: FMA verhängt Sanktion gegen die HYPO-BANK BURGENLAND Aktiengesellschaft wegen Verstößen gegen die Standesregeln für Versicherungsvermittlung
The FMA imposed a fine of EUR 122,400 on HYPO-BANK BURGENLAND Aktiengesellschaft for breaches of the Standesregeln für Versicherungsvermittlung, following an accelerated procedure under § 22 para 2b FMABG. The findings concern late disclosure of information to customers before the declaration of contract, failure to obtain information on customers' knowledge, experience and financial situation, and a marketing communication that was not always fair, clear and non-misleading. The decision is final.
확인해 볼 사항
Check whether pre-contractual information is disclosed to customers in time before they make a contract declaration under § 1 para 9 Standesregeln für Versicherungsvermittlung.
Review whether customer knowledge, experience and financial information is collected as required by § 10 para 1 Standesregeln.
Review marketing communications to customers against the fairness, clarity and non-misleading requirement in § 1 para 2 Standesregeln.
Central Bank of Ireland Publishes Annual NCID Private Motor Insurance Report and additional research on the factors driving the cost of motor insurance
The Central Bank of Ireland published its annual Private Motor Insurance Report based on the National Claims Information Database (NCID), together with additional research on the cost drivers of motor insurance premiums. The publications report that average private motor insurance costs rose year-on-year in 2025 but showed a decreasing trend in the last two quarters, and break down how premiums are used, including claims, expenses, commissions and profit.
CSA updates non-GAAP and other financial measures disclosure rules ahead of IFRS 18
The Canadian Securities Administrators published in final form amendments to National Instrument 52-112 on non-GAAP and other financial measures disclosure, ahead of IFRS 18. The source text provided is truncated, so the full scope, effective date and transition provisions could not be confirmed from the material available.
확인해 볼 사항
Check whether the final amendments apply to your entity's public disclosures and the effective date stated in the full CSA notice.
Review current non-GAAP and other financial measures disclosures against the amended requirements once the full text is available.
FINMA’s supervision of the asset and wealth management sector in Switzerland
FINMA's Stefan Walter gave a speech in Ticino on FINMA's supervision of the asset and wealth management sector, citing market figures for client assets managed by banks, securities firms and collective asset managers. The speech states that FINMA monitors the sector closely because of the trust-based nature of the business and its key risks, such as loss of client assets and reputational damage. The text provided is truncated before its conclusion.
L'AMF et l'ACPR encouragent les professionnels à poursuivre leurs efforts dans l’application de la réglementation lors de la commercialisation de produits d’épargne et d’instruments financiers
The AMF and ACPR published a joint summary of about sixty controls carried out between 2020 and 2024 on the marketing of financial instruments and life insurance contracts to retail clients. The document is educational, highlights recurring shortcomings and points of attention, and recalls the authorities' expectations, without assessing overall compliance. It concerns distributors of financial instruments and life insurance.
확인해 볼 사항
Check whether target market definitions are sufficiently granular and distinguish negative target market from marketing outside the target market.
Review whether client information gathering supports individual, non-standardised advice.
Verify that conflicts of interest, including links between the distributor and its partners, are recorded in the conflicts map and subject to prevention measures.