2025年十大关键监管挑战报告_在变革中前行_60页_4mb

Ten Key Regulatory Challenges of 2025 Summary

Regulatory Divergence

• Increased regulatory divergence across federal, state, and global levels due to new administration priorities and agency leadership changes.
• Heightened complexity and compliance challenges, particularly in areas like AI, finance, and data privacy.
• Expanded risks from varied regulatory expectations globally, requiring adaptable strategies.

Trusted AI & Systems

• Emphasis on AI governance, transparency, and accountability frameworks, including validation and bias mitigation.
• Preparation for new AI standards and regulations, with focus on cybersecurity and national security implications.
• Repeal of old AI executive order and push for balanced innovation policies.

Cybersecurity & Information Protection

• Strengthened threat detection, incident response, and data encryption requirements.
• Mandatory reporting of breaches and ransom payments, with focus on operational resilience and data sovereignty.
• Increased regulatory scrutiny on vulnerability management and business continuity planning.

Financial Crime

• Addressing sophisticated crimes like ransomware, sanctions evasion, and terrorist financing through enhanced AML/CFT rules.
• Focus on financial institutions' risk-based programs and cross-market supervisory actions.
• Growing need for fraud monitoring and technological tools to combat evolving threats.

Fraud & Scams

• Rising consumer losses from identity theft, deepfakes, and online fraud; emphasis on detection and remediation.
• Regulatory pressure for improved authentication, consent management, and compliance with reporting standards.
• Higher expectations for remediation and customer protection in vulnerable cases.

Fairness & Protection

• Ensuring equitable access and fair treatment in services, with focus on transparency and non-discrimination.
• Increased state-level regulations and scrutiny on consumer rights, particularly in advertising and pricing.
• Heightened attention to harm reduction and complaints resolution.

Financial & Operational Resilience

• Contingency planning for operational disruptions, including capital liquidity and recovery strategies.
• Risk-based tolerance assessments and business continuity plans to handle severe events.
• Emphasis on testing and integration of resilience measures across business lines.

Parties & Providers

• Managing third-party risks, including dependencies and supply chain vulnerabilities.
• Mandatory oversight for providers supporting "critical activities," with clear governance and monitoring.
• Focus on risk-based approaches and contract terms to mitigate compliance gaps.

Governance & Controls

• Robust governance frameworks for risk management, internal controls, and compliance.
• Increased scrutiny on internal audit, board oversight, and data integrity practices.
• Pressure to demonstrate continuous improvement in control effectiveness and issue resolution.

Markets & Competition

• Antitrust enforcement evolving with M&A trends and market consolidation concerns.
• Regulatory expansions aim to promote fair competition, transparency, and consumer protections.
• Heightened attention to market structure changes, realistic merger reviews, and industry innovation barriers.