2019 Regulatory Outlooks

Introduction

This annual series provides a forward look at some of the regulatory issues we anticipate will have a significant impact on the market and our clients’ businesses in 2019. The issues outlined in each of the reports provide a starting point for important dialogue about future regulatory challenges and opportunities to help executives stay ahead of evolving requirements and trends. For 2019, we provide our regulatory perspectives on the following industries and sectors: banking; capital markets; insurance; investment management; energy, resources, & industrials; life sciences; and health care.

We hope you find this document to be helpful as you plan for 2019 and the regulatory changes it may bring. Please feel free to contact us with questions and feedback.

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Banking

The 2019 banking regulatory outlook highlights the key regulatory trends that companies will need to know to better guide their compliance strategies, actions, and investments in the coming year. Staying ahead of these disruptions will allow your business to better navigate the regulatory landscape.

Our 2019 banking regulatory outlook covers:

• A shift in focus to regulatory review and refinement
• Optimizing across the three lines of defense
• Cybersecurity and privacy
• Fintech
• Data quality and availability
• Financial crimes risk
• Finishing the CECL journey
• A new age for governance
• FBO peer landscape for year three of enhanced prudential standards and launch of intermediate holding companies
• Other important regulatory topics

Explore the outlook to learn more about the banking regulations we’re tracking for 2019. We’ll be updating this topic with new thought leadership and content throughout the year, so you can explore trends and insights as they develop.

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Capital markets

This year, several shifts and pressures are disrupting the securities industry. From changes in operational risk management and the workforce to technology innovation and cybersecurity threats, there’s an entirely new set of trends driving the pace that organizations must keep up with to comply and stay competitive.

Our 2019 capital markets regulatory outlook covers:

• Conduct risk
• LIBOR transition
• Uncleared margin rules: initial margin
• Qualified financial contracts
• Advanced technology for compliance
• Liquidity
• Best interest rules
• Cybersecurity and privacy
• Cryptocurrency
• Consolidated Audit Trail (CAT)

Explore top capital markets regulatory trends in 2019 and stay up to date on trends and insights as they develop.

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Energy

Disruption is constant in the energy industry. With the shifts in risk management practices and the emergence of new threats, there’s an entirely new set of trends driving the pace that organizations must keep up with to comply and stay competitive.

Our 2019 energy regulatory outlook covers:

• Operational integrity and safety
• The digital future of compliance
• NERC
• Cybersecurity
• Regulatory process
• Know Your Counterparty
• De minimis threshold for swaps

Get ahead of coming energy regulatory trends to better guide your compliance strategies Check back for new thought leadership and content throughout the year.

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Healthcare

For 2019, we’ve provided a projection of the key regulatory trends healthcare companies will likely need to monitor and manage in 2019. If organizations can take the time to rethink and recalibrate to business disruptions early, they may be able to stay ahead of changes and accelerate performance to better navigate the regulatory landscape.

Our 2019 healthcare regulatory outlook covers:

• Drug pricing
• Payment models and other significant reimbursement changes
• The individual insurance market

Explore top healthcare regulatory trends in 2019 and stay up to date on trends and insights as they develop.

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Insurance

The 2019 insurance regulatory outlook highlights the key regulatory trends that companies will need to know to better guide their compliance strategies, actions, and investments in the coming year. Staying ahead of these disruptions will allow your business to better navigate the regulatory landscape.

Our 2019 insurance regulatory outlook covers:

• Cybersecurity and data privacy
• Best interest standards
• Conduct risk
• Market conduct
• The fraud epidemic
• Capital standards
• InsurTech
• Analytics and modeling in risk and compliance

Explore the outlook to learn more about the insurance regulations we’re tracking for 2019. We’ll be updating this topic with new thought leadership and content throughout the year, so you can explore trends and insights as they develop.

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Investment management

This year, several shifts and pressures are disrupting the investment management industry. From changes in operational risk management and the workforce to technology innovation and cybersecurity threats, there’s an entirely new set of trends driving the pace that organizations must keep up with to comply and stay competitive.

Our 2019 investment management covers:

• Regulatory enforcement: Data and analytics
• Cybersecurity and privacy
• Investment company liquidity risk management programs
• Integrated risk management and compliance
• Conduct risk
• Model risk management
• Operational risk
• Best interest rules
• Cryptocurrency

Get ahead of coming investment management regulatory trends to better guide your compliance strategies, actions, and investments. Check back for new thought leadership and content throughout the year.

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Life sciences

There have been many changes that are causing disruption in the life sciences industry. With the shifts in risk management practices and the emergence of new threats, there’s an entirely new set of trends driving the pace that organizations must keep up with to comply and stay competitive.

Our 2019 life sciences regulatory outlook covers:

• Drug pricing
• Cybersecurity for medical devices
• MDR regulation
• Interactions with health care providers
• Transparency
• Combination products
• Market access

Explore emerging life sciences regulatory trends in 2019 and stay up to date on trends and insights as they develop.

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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.

Discover more Industry Outlooks.

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