Perspectives
2018 Regulatory Outlooks
Navigating the year ahead
Explore regulatory trends, challenges, and opportunities that will impact the banking, energy, insurance, life sciences, investment management, and securities industries in 2018.
Embracing complexity
Across a wide range of industries, most companies are forging ahead with their risk and compliance initiatives, even as regulatory uncertainty will likely remain a significant and ongoing challenge. Even if lawmakers and regulators make certain definitive changes, companies must continue to drive the effectiveness and efficiency of their risk and compliance programs so they meet applicable laws, regulations, and supervisory guidance. And in most cases, they don’t have the time or luxury of waiting to see how things will shake out.
Fortunately, many of the changes companies are making to achieve compliance are useful improvements that are worth doing from a risk and business perspective.
Explore the sections below to learn more about the regulations we're tracking for your industry in 2018.
Banking
Our 2018 banking regulatory outlook takes a closer look at key regulations that banks should be monitoring and addressing in the year ahead. Read the full report to learn more about trends and areas of concern in banking, including:
- Resolution planning
- Data quality and integrity
- Financial crimes risk
- Consumer protection
Energy
Trade surveillance and operational integrity are likely to be top issues that energy companies will need to monitor in the coming year. Our 2018 energy regulatory outlook takes a closer look at these and other key regulations in the industry, such as:
- Price reporting
- Utility commodity hedging
- FERC regulation of NERC
Insurance
From cybersecurity to corporate governance disclosure, our 2018 insurance regulatory outlook explores key regulatory trends that insurance companies should be paying close attention to over the coming year. Read the full outlook to learn more about these and other trends, including:
- Best-interest standards
- Enterprise risk management
- International regulatory change
Investment management
Fiduciary rules, mutual fund modernization, and liquidity risk management programs will likely be key issues that investment management organizations should monitor and address in the year ahead. See our 2018 investment management regulatory outlook to learn more about these and other key regulatory concerns for the industry, such as:
- Data analytics
- Cybersecurity
- Governance, risk, and compliance
- Operations risk
Life sciences
From medical devices to drug pricing policies, learn more about the key issues that life sciences organizations should monitor and address in 2018. Our 2018 life sciences regulatory outlook takes a closer look at these and other regulatory concerns for the industry, including:
- 21st Century Cures Act
- Next-generation transparency reporting
- FDA ORA program alignment
Securities
The Consolidated Audit Trail, data quality, and emerging technologies will likely be key issues that securities organizations should be
- Swap dealer capitalization
- SEC customer protection rule
- Conduct risk
- Fiduciary rule
Global Regulatory Outlooks
Asia Pacific regulatory outlook
For financial institutions in Asia Pacific, uncertainty and divergence are emerging as overarching forward themes for financial regulation. The key focal points in 2018 will be improving industry culture and conduct, individual accountability, and embedding customer centricity. Innovation, digital disruption, and cyber resilience will remain top of the Asia Pacific regulatory agenda. Our 2018 Outlook takes stock of these developments, looking at what we see as the top ten issues over the next year, going beyond the detail to provide context, implications, and insights into managing these risks.
Canadian regulatory outlook
For financial institutions in Canada, this overview offers key information and insights on some of the most critical regulatory topics for 2018, examining how trends such as innovation, automation, and analytics are becoming increasingly imperative when addressing regulatory priorities and competitive demands.
This report will be published in the coming weeks.
EMEA regulatory outlook
2018 will bring to bear a wide range of industry-wide and sector-specific regulatory issues for financial services firms operating in EMEA – from the challenges of MiFID II compliance, to Brexit, business model sustainability, regulatory issues surrounding technological innovation, and much more.
Look again
In today’s rapidly evolving marketplace environment, key business issues are converging with impacts felt across multiple industry sectors. What are the key trends, challenges, and opportunities that may affect your business and influence your strategy? Look for more perspectives and insights from some of Deloitte’s forward thinkers.
Get in touch
Christopher J. Spoth
Executive Director, Center for Regulatory Strategy
