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.
IRDAI's commission reset impact; ETSA winner Progcap’s next bet The Economic Times
Source: news.google.com →Insurance Stocks Plummet as IRDAI Proposes Distribution Changes India News Network
Source: news.google.com →Why IRDAI’s proposal to cut expenses and commissions hurts insurers but benefits policyholders Moneycontrol. com
Source: news.google.com →Video | What PB Fintech and Niva Bupa Had To Say On IRDAI Proposals NDTV Profit
Source: news.google.com →Income Insurance appoints former Manulife Singapore top man as new CEO The Straits Times
Source: news.google.com →Central banks could use capital buffers to protect against climate risks greencentralbanking. com
Source: news.google.com →Delaware agent gets three years for siphoning client money meant for premiums Insurance Business
Source: news.google.com →State urges residents to review insurance policies as Hurricane Nolo approaches Hawaii News Now
Source: news.google.com →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 →The Bureau of Alcohol, Tobacco, Firearms, and Explosives ("ATF") is amending Department of Justice ("Department") regulations on reporting explosive materials storage. Currently, any person who stores explosive materials subject to ATF's explosives regulations must notify the authority having jurisdiction for fire safety in that locality when they begin storing explosives at that site. This rule adds a requirement to also submit written notices every 12 months thereafter and when the person ceases storing explosives at that location and to retain copies of the notices for five years. These cha
Source: federalregister.gov →The Bureau of Alcohol, Tobacco, Firearms, and Explosives ("ATF") is finalizing two Department of Justice ("Department") interim final rules ("IFRs") implementing the Safe Explosives Act. This rule formally ends those rules' interim status, responds to public comments from 2003 on the IFRs, rescinds ATF Ruling 2003-5 issued in response to IFR comments, and makes certain revisions to IFR provisions in response to the comments. They clarify when federal licensees/ permittees must report changes in responsible persons and authorized employees; eliminate verifying identity of persons accepting deli
Source: federalregister.gov →The U.S. Department of Transportation (DOT or Department) is finalizing amendments to its Disadvantaged Business Enterprise (DBE) and Airport Concession Disadvantaged Business Enterprise (ACDBE) program regulations. With few modifications, this final rule follows the interim final rule (IFR) published on October 3, 2025, which eliminated race- and sex-based presumptions that DOT determined to be unconstitutional. This action completes the transition to a system of individualized determinations of social and economic disadvantage to ensure program constitutional compliance and addresses adminis
Source: federalregister.gov →The Coast Guard is amending its merchant mariner training regulations to implement amendments to the International Convention on Standards of Training, Certification and Watchkeeping for Seafarers, 1978, and the Seafarers' Training, Certification and Watchkeeping Code, to require personnel serving on U.S.-flagged passenger ships carrying more than 12 passengers on international voyages to complete passenger ship emergency familiarization. This final rule also expands the applicability of the required crowd management training to include specified ratings on passenger ships. These required trai
Source: federalregister.gov →This document responds to 10 submissions received by the Department of Justice ("DOJ" or "the Department") or its components that asked the Department or a component to initiate rulemaking. After reviewing these submissions, the Department declines to initiate rulemakings in response to them.
Source: federalregister.gov →Consistent with Executive Order 14300, "Ordering the Reform of the Nuclear Regulatory Commission," the NRC is conducting a review and wholesale revision of its regulations. This proposed rule primarily aims to provide regulatory enhancements for reactor licensing, decommissioning, and operational oversight and is one effort in the NRC's activities to address the direction in section 5 of Executive Order 14300.
Source: federalregister.gov →This request for information (RFI) solicits input from interested parties for purposes of establishing standards for reasonable and relevant pharmacy contract terms and conditions under the Medicare prescription drug benefit. Section 6223(a) of the Consolidated Appropriations Act, 2026 (CAA, 2026) amends section 1860D- 4(b)(1)(A) of the Social Security Act (the Act) to require Part D plan sponsors to permit any pharmacy that meets standard contract terms and conditions under the plan to participate as a network pharmacy of the plan. Section 6223(a) of the CAA, 2026 further requires that, notwi
Source: federalregister.gov →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 →This interim final rule with comment period (IFC) codifies the Department of Health and Human Services' (HHS) authority to impose a temporary moratorium pausing the registration of agents and brokers that do not have a current Plan Year registration with the Federally- facilitated Exchanges at the time the moratorium is effective and are seeking to enter into Exchange agreements with the Centers for Medicare & Medicaid Services (CMS) to assist consumers with enrollment through the Federally-facilitated Exchange (FFE) and State-based Exchanges that use the Federal platform (SBE-FPs) (hereinafte
Source: federalregister.gov →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 →Good morning everyone. Thank you for the opportunity to speak to you here today in Croke Park – a place that embodies what can be achieved in Ireland. As the children return to school and the rain settles in, Ireland’ s extraordinary summer has finally begun to turn. And it really was extraordinary – the driest on record and certainly the hottest of my lifetime. Anyone who tends to a garden will have enjoyed the growth and the long evenings but will also have felt the strain. The limitations on water use accentuated the need to decide what to protect and at times, what to cut
Source: centralbank.ie →Ongoing geopolitical and economic vulnerabilities masked by strong investor optimism 10 September 2026 Press Releases Risk monitoring The European Securities and Markets Authority (ESMA), the EU’s financial markets regulator and supervisor, published today its second risk monitoring report of 2026 , setting out the main risks and vulnerabilities in EU financial markets. ESMA finds that, while markets have remained resilient, stretched technology valuations and heightened geopolitical tensions are testing this resilience, in a climate of persistent inflation and weaker economic growth. Despite
Source: esma.europa.eu →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 →Under section 37 of the Climate Change Act 2008 (c. 27) (“the Act”) the Secretary of State must lay before Parliament a response to the points raised by the report of the Committee on Climate Change (the “Committee”) under section 36 of the Act. This Order extends the period within which the Secretary of State must lay the response to the Committee’s 2026 report, changing the final day of that period from 15th October 2026 to 17th December 2026.
Source: legislation.gov.uk →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 →ESMA consults on disclosure requirements and updates guidelines and Q&As under the Prospectus Regulation 09 September 2026 Guidelines and Technical standards Prospectus Simplification and Burden Reduction The European Securities and Markets Authority (ESMA), the EU’s financial markets regulator and supervisor, has published a package of materials under the Prospectus Regulation to reflect changes introduced by the Listing Act. The measures aim to promote supervisory convergence and contribute to ESMA’s simplification and burden-reduction efforts. The package includes: a Consultation Paper on t
Source: esma.europa.eu →These Regulations set out the transitional and savings provisions relating to members of the Local Government Pension Scheme 2009 (“the 2009 Scheme”) which is to be replaced by a new Local Government Pension Scheme by the Local Government Pension Scheme (Scotland) Regulations 2014 (SSI 2014/164) with effect from 1st April 2015 (“the 2015 Scheme”). Their effect is to protect the benefits accrued by members of the 2009 Scheme before 1st April 2015.
Source: legislation.gov.uk →Focus The amount of central bank reserves to supply has become a highly contentious policy issue for many central banks that shrink their balance sheets which were built up during quantitative easing. However, there is little evidence about the amount of reserves banks actually want to hold and the factors that shape this choice. To trace bank-level demand for reserves empirically, we exploit new microdata and a unique feature of Sveriges Riksbank's operational framework, under which banks…
Source: bis.org →ESMA to host Data Day 2026: ‘Data in the Savings and Investment Union – from burden to opportunity’ 04 September 2026 Market data Technology, use of data and simplification of reporting requirements will be at the centre of the European Securities and Markets Authority (ESMA) Data Day 2026 , taking place on 24 November in Paris. Building on the success of the first edition, the event ‘Data in the Savings and Investment Union – from burden to opportunity’ will bring together over 200 industry participants, regulators and other stakeholders to discuss key developments in supervisory reporting an
Source: esma.europa.eu →ESMA signs Memorandum of Understanding with the Securities and Exchange Board of India 04 September 2026 CCP International cooperation The European Securities and Markets Authority (ESMA), the EU’s financial markets regulator and supervisor, has signed a Memorandum of Understanding (MoU) with the Securities and Exchange Board of India (SEBI) to facilitate cooperation and exchange of information in relation to the recognition of central counterparties (CCPs) established in India and supervised by SEBI. Following the signature of an MoU between ESMA and the Reserve Bank of India (RBI) earlier th
Source: esma.europa.eu →International organisations including the Bank for International Settlements (BIS) have adopted SDMx (Statistical Data and Metadata) as the standard for exchanging official statistics. Trust in published data is essential for evidence-based policymaking. This paper shows how binding each SDMx dataset to its source using blockchain technology can enhance confidence in official statistics.
Source: bis.org →EIOPA has submitted its technical advice to the European Commission on minimum common standards for insurance guarantee schemes (IGS) in the European Union. The advice provides details on how to develop a targeted harmonisation of IGS.
Relevant for EEA-exposed groups. The trajectory matters more than the headline.
Source: eiopa.europa.eu →Thousands of young adults could be sitting on a forgotten pot of savings as they head back to college and university. As students return to college and university this month, the FCA is urging young adults and parents to check whether they have a forgotten Child Trust Fund waiting to be claimed – potentially worth thousands of pounds. Figures from HMRC show that 760,000 matured Child Trust Funds, worth an average of £2,000 each, remain unclaimed.
Material for conduct-side risk teams. Cross-check against the Consumer Duty implementation playbook.
Source: fca.org.uk →Standards-side movement worth tracking — the materiality bridge to ORSA is where the work is.
Source: ifrs.org →El Departamento de Seguros de Texas publicó hoy un boletín en el que les recuerda a las compañías de seguros que es ilegal utilizar la optimización de precios para fijar las tarifas de los seguros de auto y de vivienda.
Source: tdi.texas.gov →TDI issued a bulletin today reminding insurance companies that using price optimization to set auto and home insurance rates is illegal.
Source: tdi.texas.gov →Breadcrumb Home Statistical Publication Quarterly superannuation statistics Superannuation Published 31 August 2026 Print On this page On this page APRA publishes statistics on the superannuation industry on a quarterly basis. The industry performance statistics contains aggregate summaries of financial performance and position, asset allocation and key performance ratios. Statistics relating to corporate, industry, public sector and retail funds performance are also detailed. The My Super statistics contains data relating to product profile, asset allocation targets and ranges, investment per
Source: apra.gov.au →Read the highlights of the IAIS’ work throughout the months of July and August.
Sets the international trajectory. UK and EU positions usually follow within twelve months.
Source: iais.org →The Key Attributes of Effective Resolution Regimes for Financial Institutions (Key Attributes) of the Financial Stability Board (FSB) require resolution plans to be developed for all financial institutions, including insurers, that could be systemically significant or critical upon failure.
Source: bis.org →News. The ICO has fined Elderly Aids Ltd (EAL) £190,000 for bombarding people with the very nuisance calls it claimed to protect them from.
Source: ico.org.uk →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.