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Analysis

2019 Insurance Regulatory Outlook

Navigating the impact of disruptive forces and new regulations

Insurance companies must continue to build their risk and compliance initiatives, despite regulatory uncertainty. Get ahead of the curve with insights into key regulations that insurance companies should be monitoring and preparing for in 2019.

Staying the course: 2019 insurance regulatory trends

Compliance modernization helps companies pursue their core mission and achieve compliance as efficiently and effectively as possible by 'thinking forward' and then harnessing the best available compliance practices and technologies to comply with current and future regulatory requirements. This is an ongoing need driven by never-ending technological advances and market expectations that are constantly rising. No matter how 'modern' a company's existing compliance systems and processes might be, there is always room to improve.

This is especially true when changes in political leadership can lead to different areas of regulatory focus. Following the 2018 midterm election, the Democratic Party leadership has indicated that the House Financial Services Committee will focus its legislative agenda on protecting consumers and investors, preserving financial sector stability, and encouraging responsible innovation in financial technology. Meanwhile, we expect that the Republican-controlled Senate will focus its legislative agenda on remaining refinements not already addressed in 2018. Regardless of what definitive changes lawmakers and regulators might make, insurance organizations should continue to improve their risk and compliance programs.

This year, we highlight several areas where regulators are turning their attention, including cybersecurity, data privacy, fraud, and capital standards. We also delve into some of the disruptive forces that are reshaping the industry, from InsurTech to data analytics.

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

This publication is part of the Deloitte Center for Regulatory Strategy annual, cross-industry series on the year’s top regulatory trends. Learn more about regulatory challenges and opportunities in other industries on our Regulatory Outlooks homepage.

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.

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