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 should fast-track risk-based capital framework; GST on insurance needs rationalisation: Parliamentary panel ANI News
Source: news.google.com →Ethika Insurance Broking Completes 10 Years of Its IRDAI Licence, Crossing 2 Lakh Lives Covered and 50,000 Claims Supported indiagazette. com
Source: news.google.com →Some Louisiana homeowners see insurance premiums drop fox8live. com
Source: news.google.com →Louisiana fire districts earn premium-reducing rating improvements dailydispatch. com
Source: news.google.com →DAVIE COUNTY WOMAN ACCUSED OF FILING MULTIPLE FALSE MEDICAL INSURANCE CLAIMS Insurance News Net
Source: news.google.com →Casey Announces $1.1 Million Grant Awarded to Pennsylvania Insurance Department to Enhance Consumer Assistance Programs PoliticsPA
Source: news.google.com →TDCI shares insurance tips for back-to-school season Main Street Media of Tennessee
Source: news.google.com →Washington insurance commissioner discusses help for wildfire victims, fire mitigation during visit to Spokane spokesman. com
Source: news.google.com →Profession-side direction worth absorbing. The Actuaries' Code and TAS implications follow.
Source: actuaries.org.uk →On 17 September 2026, the PRA will host a roundtable in relation to CP11/26 – A tailored regime for captive insurance.
Source: bankofengland.co.uk →The European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) today published a final report on draft Regulatory Technical Standards (RTS), proposing to simplify the bilateral margin requirements of the European Commission’s Delegated Regulation (EU) 2016/2251.
Source: eba.europa.eu →The European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) today published a final report on draft Regulatory Technical Standards (RTS), proposing to simplify the bilateral margin requirements of the European Commission’s Delegated Regulation (EU) 2016/2251.
Relevant for EEA-exposed groups. The trajectory matters more than the headline.
Source: eiopa.europa.eu →EBA, EIOPA and ESMA propose amendments to bilateral margin requirements 03 August 2026 Joint Committee Trading The European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) today published a final report on draft Regulatory Technical Standards (RTS), proposing to simplify the bilateral margin requirements of the European Commission’s Delegated Regulation (EU) 2016/2251. The proposed amendments aim to simplify the bilateral margin framework for counterparties that are subject to initial margin requirements and that are below the €8 billion threshold for exchanging initial margin foresee
Source: esma.europa.eu →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 European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) today published a statement calling for a cross-sectoral, risk-based and consistent supervisory approach to mitigate the ICT risks stemming from frontier AI models.
Source: eba.europa.eu →The European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) today published a statement calling for a cross-sectoral, risk-based and consistent supervisory approach to mitigate the ICT risks stemming from frontier AI models.
Relevant for EEA-exposed groups. The trajectory matters more than the headline.
Source: eiopa.europa.eu →ESMA publishes latest edition of its newsletter 31 July 2026 ESMA newsletter The European Securities and Markets Authority (ESMA), the EU’s financial markets regulator and supervisor, has published today the latest edition of its Spotlight on Markets newsletter, covering key activities and publications from June and July 2026. This edition opens with the statement on the end of the MiCA transitional period, calling on unauthorised crypto-asset service providers to wind down their activities in an orderly manner while safeguarding clients’ interests and protecting market integrity. Top news hig
Source: esma.europa.eu →EBA, EIOPA and ESMA call for enhanced governance and consistent supervision to mitigate ICT risks from frontier AI models in the EU financial sector 31 July 2026 Digital Finance and Innovation Joint Committee The European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) today published a statement calling for a cross-sectoral, risk-based and consistent supervisory approach to mitigate the ICT risks stemming from frontier AI models. The statement takes into account existing regulatory requirements, the European Commission’s Action Plan on Cybersecurity and Artificial Intelligence, as we
Source: esma.europa.eu →Breadcrumb Home Statistical Publication Private Health Insurance Annual Coverage Survey Private health insurance Published 30 July 2026 Print The Private Health Insurance Annual Coverage Survey report provides a snapshot at December each year of the number of people, by age, gender and state of residence, with hospital insurance. Private health insurance annual coverage survey December 2025 XLSX 3.09 MB ‧ 30 July 2026 Next release The December 2026 issue will be released in July 2027. For more information Email dataanalytics@apra. gov. au or mail to Manager, External Data Reporting Australian
Source: apra.gov.au →EIOPA released today its July 2026 Risk Dashboard for institutions for occupational retirement provision (IORPs), highlighting that persistent geopolitical uncertainty and evolving global market conditions continue to shape the risk landscape for the European occupational pensions sector.
Relevant for EEA-exposed groups. The trajectory matters more than the headline.
Source: eiopa.europa.eu →EIOPA published today its July 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 →Profession-side direction worth absorbing. The Actuaries' Code and TAS implications follow.
Source: actuaries.org.uk →Statement of policy 1/20
Source: bankofengland.co.uk →Policy statement 18/26
Source: bankofengland.co.uk →Mark Francis, FCA director of specialists and Simon Dixon, director of supervisory risk specialists at the Prudential Regulation Authority (PRA) As firms increasingly rely on common third party service providers, delivering operational resilience is no longer just about your own individual organisation. It's about strengthening resilience across the wider network that supports the UK financial system. Think of the last time you made a payment, transferred money, used a banking app or logged on to online financial services.
Material for conduct-side risk teams. Cross-check against the Consumer Duty implementation playbook.
Source: fca.org.uk →Director of cross-cutting policy and strategy Charlotte Clark explains what good practice looks like for outcomes monitoring under the Consumer Duty. The Consumer Duty was designed to ensure firms were focussed on the outcomes that matter to their customers. Understanding the actual experiences of people and identifying potential harm are essential to delivering these improvements. So outcomes monitoring is at the heart of helping consumers to better navigate their financial lives.
Material for conduct-side risk teams. Cross-check against the Consumer Duty implementation playbook.
Source: fca.org.uk →Millions of car finance customers who may be owed compensation can get help making a complaint for free, as the FCA launches a national advertising campaign. Research by the FCA found that 27% of car finance customers lack confidence to make a complaint without using a claims management company (CMC) or law firm, despite free tools from the FCA being available. Sheree Howard, executive director at the FCA, said: 'Many people who may be owed compensation aren’t sure where to start or don’t realise they don’t have to pay someone to make a complaint.
Material for conduct-side risk teams. Cross-check against the Consumer Duty implementation playbook.
Source: fca.org.uk →El Departamento de Seguros de Texas está monitoreando un aumento en las denuncias de presuntos casos de fraude en el sector de los seguros por parte de agentes.
Source: tdi.texas.gov →The Texas Department of Insurance is seeing an uptick in reports of suspected agent insurance fraud.
Source: tdi.texas.gov →Good morning, I am delighted to be here and many thanks to Andrea for the invitation. 1 I very much look forward to the discussion and to hearing from you, but first of all I would like to set the scene with some perspectives on the environment we are operating in. Last month I set out my views on some of the key structural changes in the external environment underway, and how they are reshaping the financial system and in particular the funds sector. 2 I would like to briefly re-iterate a number of those themes today – before turning to some recent supervisory work we have done, and som
Deputy Governor McMunn's speech, delivered 23 July 2026 at PwC, explicitly revisits structural-change themes she first set out the previous month, signalling that the CBI treats resilience framing as a supervisory posture rather than a one-off address. Alongside Governor Makhlouf's 3 July Aix-en-Provence speech and Deputy Governor Kincaid's 19 June intermediaries address, this marks three senior CBI speeches within five weeks, a cadence we read as coordinated messaging ahead of a supervisory cycle. Boards should reconcile their ORSA scenario sets against the CBI's stated structural-change themes now, evidencing that stress narratives are current rather than carried forward from prior submissions.
Source: centralbank.ie →EIOPA released its 2026 April risk dashboard for institutions for occupational retirement provision (IORPs) today, noting that elevated geopolitical tensions and uncertainty continue to shape the risk landscape for the European IORPs, with market risks being a key concern.
EIOPA's April 2026 IORP risk dashboard identifies market risk as the primary concern under sustained geopolitical pressure, with no quantified thresholds disclosed in the release — leaving the operative severity calibration to each fund's own governance cycle. Against EIOPA's July output, which spans private credit exposures, Solvency II final technical standards and IRRD resolution valuation standards, the dashboard sits within a pattern of simultaneous cross-sector stress signalling. IORPs and their sponsoring insurers should reconcile current ORSA scenario sets against the dashboard's market risk characterisation, evidencing whether geopolitical stress assumptions remain proportionate to the April reference date.
Source: eiopa.europa.eu →by Emanuel Kohlscheen, Aaron Mehrotra We provide new evidence on the drivers of the pass-through of exchange rate movements into consumer prices across four decades and close to a hundred countries, combining econometrics and random forests. Random forests are particularly useful for modelling highly non-linear relationships, as well as for identifying the relative importance of the different theoretical factors that can affect the degree of pass-through.
Source: bis.org →by Boris Hofmann, Aaron Mehrotra, Jan Paulick The emergence of stablecoins has created a new channel to access US dollar liquidity in emerging market and developing economies (EMDEs), similar to the historical role of foreign currency deposits, or "deposit dollarisation". This has raised concerns about the possible implications for monetary control in EMDEs. Drawing on data on foreign currency deposits and dollar-pegged stablecoin inflows for more than 130 economies, we compare the dynamics and drivers of "stablecoin dollarisation" with those of conventional deposit dollarisation.
Source: bis.org →On 1 June 2026, Prosper Capital LLP (Prosper) went into creditors’ voluntary liquidation. Jeremy Karr and Simon Killick of BTG Begbies Traynor (Central) LLP were appointed as joint liquidators. Prosper, an FCA-authorised firm (firm reference number (FRN): 453007), was an alternative investment fund manager and arranged deals in investments. Prosper has applied to cancel its authorisation, which is subject to review by the FCA.
Material for conduct-side risk teams. Cross-check against the Consumer Duty implementation playbook.
Source: fca.org.uk →The insurance broker has agreed to stop carrying out any regulated activity. This means it can't provide any services on behalf of an insurer. From 9 July 2026, the insurance broker Anthony Jones (UK) Limited (AJL) agreed to stop carrying out any regulated activity. This means that AJL cannot provide any services on behalf of an insurer, including selling new insurance policies, offering renewals, or providing any advice to new or existing consumers.
From 9 July 2026, AJL is prohibited from selling, renewing or advising on any insurance policy, creating an immediate gap in the distribution chain for any insurer or MGA relying on AJL as an appointed representative or delegated authority holder. Against the FCA's concurrent product-design review published 10 July 2026, the sequence confirms the regulator is tightening both conduct standards and distribution integrity simultaneously. Insurers with AJL in their distribution register should reconcile their delegated authority agreements and technical provisions against the 9 July cessation date.
Source: fca.org.uk →Profession-side direction worth absorbing. The Actuaries' Code and TAS implications follow.
Source: actuaries.org.uk →The Joint Board of Appeal of the European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) has issued a decision stating that an appeal brought by an individual against the European Banking Authority (EBA) is inadmissible.
Source: eba.europa.eu →EIOPA collects and publishes comprehensive statistics on insurance undertakings in the European Economic Area. The factsheet published today complements regular statistics by providing further insights into (re)insurers’ exposures to private credit and private equity.
EIOPA's factsheet on EEA (re)insurers' private-credit and private-equity exposures signals supervisory attention to illiquid, hard-to-value assets migrating onto insurer balance sheets. Insurers with growing private-market allocations should evidence their valuation, liquidity and look-through capital treatment for these positions in the next ORSA and internal-model justification.
Source: eiopa.europa.eu →The Joint Board of Appeal of the European Supervisory Authorities has issued a decision stating that an appeal brought by an individual against the European Banking Authority is inadmissible.
Relevant for EEA-exposed groups. The trajectory matters more than the headline.
Source: eiopa.europa.eu →Joint Board of Appeal dismisses appeal against the EBA 16 July 2026 Board of Appeal The Joint Board of Appeal of the European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) has issued a decision stating that an appeal brought by an individual against the European Banking Authority (EBA) is inadmissible. The appeal concerned a response by the EBA to a complaint regarding the closure of a bank account by a credit institution and the handling of the matter by the Finnish National Competent Authority (FIN-FSA). The appellant had requested that the EBA investigate a possible breach of Uni
Source: esma.europa.eu →Profession-side direction worth absorbing. The Actuaries' Code and TAS implications follow.
Source: actuaries.org.uk →EIOPA published today a total of eight sets of guidelines and draft technical standards relating to the review of the Solvency II framework. With today’s publications, EIOPA has delivered all the legal instruments it was mandated to develop under the review.
EIOPA has delivered all eight guideline and technical-standard packages completing the Solvency II Review, ahead of the revised framework taking effect early next year. Insurers should map the final instruments — proportionality, reporting, and the revised risk-margin and long-term-guarantee measures — into their capital model and ORSA now, before the framework date rather than after.
Source: eiopa.europa.eu →Innovative new proposals aim to establish the UK as a centre for the fast-growing captive insurance market.
Macroprudential context for the insurance sector. Read against your operational resilience programme.
Source: bankofengland.co.uk →Profession-side direction worth absorbing. The Actuaries' Code and TAS implications follow.
Source: actuaries.org.uk →Central Bank of Ireland has today (13 July) published the annual letter from Governor Gabriel Makhlouf to the Tá naiste and Minister for Finance ahead of Budget 2027. In his letter, the Governor underscores the importance of building economic resilience in the face of heightened global uncertainty and structural economic transitions. He highlights the need to prioritise five key areas: Growing the supply-side capacity of the economy, particularly housing, transport, energy and water infrastructure; Strengthening the indigenous business sector to complement foreign direct investment and
Source: centralbank.ie →Profession-side direction worth absorbing. The Actuaries' Code and TAS implications follow.
Source: actuaries.org.uk →<span class="field field--name-title field--type-string field--label-hidden">New Q&As available</span> <span class="field field--name-created field--type-created field--label-hidden"><time datetime="2026-07-10T14:37:59+02:00" title="Friday, July 10, 2026 - 14:37" class="datetime">10 July 2026</time> </span> <div class="field field--name-field-news-section field--type-entity-reference field--label-hidden field__items"> <div class="field__item">Digital Finance and Innovation</div> <div class="field__item">Sustainable finance</div> <div class="field__item">Trading</div> </div> <div class="cle
Source: esma.europa.eu →<span class="field field--name-title field--type-string field--label-hidden">ESMA launches data collection under the first phase of ESAP</span> <span class="field field--name-created field--type-created field--label-hidden"><time datetime="2026-07-10T15:26:04+02:00" title="Friday, July 10, 2026 - 15:26" class="datetime">10 July 2026</time> </span> <div class="field field--name-field-news-section field--type-entity-reference field--label-hidden field__items"> <div class="field__item">Market data</div> </div> <div class="clearfix text-formatted field field--name-field-news-introduction field--ty
Source: esma.europa.eu →The FCA led an international crackdown on illegal finfluencer promotions – resulting in 3 arrests and 650 social media takedown requests. It also secured a combined 11 years in prison for 2 cases of insider dealing in the first year of its 5-year strategy, according to its Annual report and accounts published today. The FCA has focused its efforts on the most serious risks and harms. It has taken decisive action to protect consumers, fight financial crime and uphold market integrity, delivering an estimated £5.6bn in benefits to consumers, firms and the wider economy.Helping consumersThe FCA s
The FCA's first-year strategy report cites GBP 5.6bn in benefits alongside 3 arrests over finfluencer promotions, 650 takedown requests and 11 years of sentences for insider dealing. The posture confirms the shift from guidance to enforcement on promotions and market abuse; firms running financial-promotion approval or market-conduct controls should evidence those controls against the failure modes cited.
Source: fca.org.uk →Financial products and services shape some of the most important decisions we all make – from saving and borrowing, to protecting ourselves and our families when things go wrong.Consumer needs vary widely, and there’s no such thing as a standard consumer. Our Financial Lives data shows a huge spread of needs, resilience and capability. That’s why it’s so important for firms to design their products effectively.When firms have consumers’ needs firmly in mind, they can support good outcomes – helping people make informed choices, get fair value, and receive the support they need over time to nav
Material for conduct-side risk teams. Cross-check against the Consumer Duty implementation playbook.
Source: fca.org.uk →The Bank of England (the Bank), the Prudential Regulation Authority (PRA) and the FCA will start overseeing the first critical third parties (CTPs) on Monday 13 July 2026, following designation by the Treasury. CTPs are technology and other service providers whose services underpin the UK financial system. Today, the Treasury has announced its first designations of 4 global cloud services and technology providers: Amazon Web Services EMEA SARL, Google Cloud EMEA Limited, Microsoft Ireland Operations Ltd, and Oracle Corporation UK Limited.As many firms rely on these services, disruption or fail
The FCA, PRA and Bank began overseeing the first Critical Third Parties on 13 July 2026, with the Treasury designating four — AWS, Google Cloud, Microsoft and Oracle. Insurers relying on any of the four for core services should map that dependency against their operational-resilience impact tolerances, since the CTP regime does not transfer the firm's own accountability.
Source: fca.org.uk →Profession-side direction worth absorbing. The Actuaries' Code and TAS implications follow.
Source: actuaries.org.uk →<span class="field field--name-title field--type-string field--label-hidden">ESMA recognises the Clearing Corporation of India Limited as a Tier 1 third-country CCP </span> <span class="field field--name-created field--type-created field--label-hidden"><time datetime="2026-07-01T14:50:33+02:00" title="Wednesday, July 1, 2026 - 14:50" class="datetime">01 July 2026</time> </span> <div class="field field--name-field-news-section field--type-entity-reference field--label-hidden field__items"> <div class="field__item">CCP</div> </div> <div class="clearfix text-formatted field field--name-field-news
ESMA's recognition of the Clearing Corporation of India as a Tier 1 third-country CCP extends the roster of CCPs EU firms may clear through without the punitive capital treatment reserved for non-recognised venues. Insurers with Indian-rupee or Asian rate exposures should reflect the recognised status in counterparty-risk capital and their approved-clearing-venue list.
Source: esma.europa.eu →<span class="field field--name-title field--type-string field--label-hidden">Moody’s Germany fined EUR 2,145,000 for misreporting to ESMA </span> <span class="field field--name-created field--type-created field--label-hidden"><time datetime="2026-07-02T07:51:00+02:00" title="Thursday, July 2, 2026 - 07:51" class="datetime">02 July 2026</time> </span> <div class="field field--name-field-news-section field--type-entity-reference field--label-hidden field__items"> <div class="field__item">Press Releases</div> <div class="field__item">Securities Financing Transactions</div> <div class="field__item
ESMA's EUR 2,145,000 fine against Moody's Germany for misreporting — under the Securities Financing Transactions framework — establishes that data-quality failures at a rated-entity level attract direct supervisory penalty, not merely remediation requests. Set against ESMA's concurrent stress-testing and peer-review activity through 2023, the pattern shows the regulator moving from observation to enforcement across reporting obligations. CROs should map their own SFT and ratings-data submission controls against the specific misreporting categories cited, and evidence that gap in the next ORSA scenario set.
Source: esma.europa.eu →In this speech, FSB Secretary General, John Schindler highlights the importance of resolve in resolution planning, emphasising collaboration, preparedness, in maintaining financial system resilience.
The FSB's ReSolve theme — cross-sectoral, cross-border interconnection in resolution — reads directly onto insurers inside financial conglomerates: a resolution trigger in one sector propagates through shared liquidity and operational dependencies. Map your group's cross-sector interconnections and test them in recovery and resolution planning rather than assuming sector containment.
Source: fsb.org →Profession-side direction worth absorbing. The Actuaries' Code and TAS implications follow.
Source: actuaries.org.uk →At the virtual event, hosted by OMFIF, FSB Deputy Secretary General calls for a debate on the next steps for cross-border payments beyond 2027.
Source: fsb.org →In this speech, Dominique Laboureix, Chair of the FSB Resolution Steering Group, discusses the importance of cross-border, cross-sectoral crisis preparedness.
Source: fsb.org →Policy statement
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 →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 →On 7 July 2026 the Bank of England's July 2026 Financial Stability Report and the ESRB's Warning on systemic cyber risks from frontier AI models landed the same day. AI hyperscalers' H1-2026 bond issuance has already exceeded their issuance for all of 2025; the ESRB escalated systemic cyber risk to 'severe' from 'elevated'; the FPC held the UK countercyclical capital buffer at 2%.
For insurers the same AI names sit in the asset book (market and credit risk) and the operational and third-party stack (operational and cyber risk) — one concentration an ORSA usually aggregates as if independent. Exactly the cross-risk correlation a reverse stress test and SCR aggregation should now surface.
Source: bankofengland.co.uk →The European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) welcome and support today’s warning from European Systemic Risk Board (ESRB) on the systemic cyber risks posed by frontier AI models.
All three ESAs — the EBA, EIOPA and ESMA — have endorsed the ESRB's warning that frontier-AI models carry systemic risk through model concentration and third-party dependency. Insurers should identify where one frontier-model provider underpins underwriting, claims and investment tooling at once, and carry that concentration into operational-resilience testing and the ORSA rather than treating each use as independent.
Source: eba.europa.eu →The Swiss Financial Market Supervisory Authority FINMA is incorporating an existing circular on liquidity risks at banks and securities firms to a new ordinance. In doing so it is fulfilling the requirement for the format compliance of regulation in accordance with Article 7 paragraph 1 of the Financial Market Supervision Act.
Source: finma.ch →The Financial Stability in Focus sets out the FPC’s view on specific topics related to financial stability.
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 →by Daniel Eidan, Jon Frost, Rudraksh Kansal, Ulf Lewrick, Sang Hyuk Lim, Tomasz Rybarczyk<br />While all permissionless blockchains use token-based incentives to sustain honest validation, differences in how validator rewards, coordination and participation are structured lead to distinct equilibria and trade-offs between decentralisation, security and scalability. These trade-offs underpin the emergence of multiple layer 1 networks and the expansion of layer 2 solutions, resulting in fragmentation of infrastructure, liquidity and assets across and within chains. Tools to mitigate fragmentatio
Source: bis.org →In the summer of 2012, with bond markets pricing in a chance of a euro breakup, Mario Draghi pledged to do “ whatever it takes” to preserve the currency union. It worked: spreads fell, though the programme behind the pledge, Outright Monetary Transactions (OMT), was never used. Despite having no formal relationship with national fiscal authorities, the central bank stepped in because markets had doubts about some governments’ solvency, and this threatened the monetary union’ s existence. We are familiar with Sargent and Wallace’ s “ unpleasant monetarist ari
Source: centralbank.ie →<p>The revised standards adopted today are designed to reduce administrative burdens for EU businesses while maintaining high‑quality disclosures.</p>
The Commission's adopted revision to the sustainability reporting standards (ESRS) trims the data-point burden while holding the climate-materiality core — the operative change is scope, not a weakening of substance. Insurers mapping CSRD/ESRS against their ISSB S2 and ORSA disclosure should re-baseline which data points remain mandatory before the next reporting cycle.
Source: finance.ec.europa.eu →<p>Stakeholders are invited to provide feedback within one month via the Have Your Say portal.</p>
Source: finance.ec.europa.eu →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.