Regulatory Insights

Expert analysis of significant regulatory penalties, enforcement trends, and compliance intelligence across global financial regulators.

Latest Regulatory Enforcement Insight

Crypto Firms Under MiCA, FCA and MAS: What Enforcement Looks Like Now — If you read the headlines, crypto enforcement looks like nine-figure fines. Look at the three frameworks built specifically for crypto — the EU's MiCA, the FCA's registration regime, and MAS's licensing regime — and the picture is completely different. None of them is primarily a fining machine. All three are gatekeeping machines. For a crypto firm, the enforcement risk that should keep you up at night is not a penalty — it's losing, or never getting, permission to operate.

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Crypto Firms Under MiCA, FCA and MAS: What Enforcement Looks Like Now

If you read the headlines, crypto enforcement looks like nine-figure fines. Look at the three frameworks built specifically for crypto — the EU's MiCA, the FCA's registration regime, and MAS's licensing regime — and the picture is completely different. None of them is primarily a fining machine. All three are gatekeeping machines. For a crypto firm, the enforcement risk that should keep you up at night is not a penalty — it's losing, or never getting, permission to operate.

· Sector Analysis · 9 min read

Global AML Enforcement: Key Trends and Regulatory Expectations

Analysis of 30 recent enforcement actions reveals a global regulatory focus on Anti-Money Laundering (AML) programme failures, with significant penalties for inadequate transaction monitoring and customer due diligence.

· Enforcement Analysis · 7 min read

OFSI, OFAC and EU Sanctions: A Side-by-Side Enforcement Map

Three regulators, three operating models. OFAC has the deepest enforcement history; OFSI has rebuilt its toolkit dramatically since 2022; the EU's enforcement architecture remains the most fragmented of the three. For any firm with cross-border activity, knowing how the three differ in scale, mechanics, and recent direction is no longer optional.

· Thematic Analysis · 9 min read

H1 2026 FCA Enforcement Halftime: 10 Things We Learned

The FCA issued 9 monetary fines worth £16,842,723 in H1 2026 — up 41% in value over H1 2025 — but one action accounts for 77% of that total. Our halftime review extracts ten data-grounded lessons on where enforcement is concentrated, where the supervisory pipeline is building, and what H2 2026 is likely to bring.

· Trends Analysis · 8 min read

Board Guide: Building Effective AML Controls

Recent enforcement actions reveal systemic Anti-Money Laundering (AML) control failures. Boards must move beyond policy to ensure risk-based monitoring, independent testing.

· Board Governance · 6 min read

July 2026 Enforcement Actions: A Regulatory Analysis

Global regulators issued 16 public enforcement actions in July 2026. This analysis examines key cases from FINRA, BaFin, and SEBI, highlighting critical compliance and operational failures across jurisdictions.

· Enforcement Roundup · 7 min read

FCA Final Notices: July 2025 Enforcement Actions Analysed

This report reviews nine FCA final notices from July 2025, covering governance, AML, reporting, and controls. Only source-verified monetary amounts are included, ensuring an evidence-led analysis of enforcement outcomes.

· FCA Fines 2025 · 8 min read

State of Global AML Enforcement: H1 2026

A data study built from RegActions' live enforcement and country-risk APIs: the H1 2026 regulator league table, breach trends, FCA fines up 41% year on year, and the June FATF plenary. Free to reuse under CC BY-NC 4.0.

· Data Studies · 8 min read

Wealth Managers: Why You're at the Front of the Consumer Duty Queue

Wealth managers carry four pre-existing risk concentrations that map directly onto the Consumer Duty's four outcomes — fees, complexity, ageing client demographics, and vertical integration. That alignment makes the sector the highest-probability source of the first wave of Consumer Duty enforcement. Here's why, what the existing enforcement record shows, and what wealth-firm boards should be doing now.

· Sector Analysis · 8 min read

FCA vs SEC Enforcement: 5 Differences That Actually Matter

Compliance teams that operate on both sides of the Atlantic often benchmark FCA actions against SEC actions and reach the wrong conclusions. The two regulators differ on five structural points — scale, what counts as a 'fine', whistleblower incentives, individual accountability, and how political cycles bend the curve. Here's what each looks like, with the data.

· Thematic Analysis · 8 min read

FCA Payments Enforcement: Why It's Permissions, Not Fines

Payments firms read AML-fine headlines and prepare for a Final Notice that never comes. The FCA's enforcement tool against this sector is overwhelmingly permissions cancellation — and the volume has grown nearly 10x in five years. Here's what the data shows, why the regulator favours this route, and what payments-firm compliance teams should be doing about it.

· Sector Analysis · 7 min read

CVM, CNBV and CMF: Latin America Enforcement Guide

Brazil, Mexico and Chile enforcement guide covering CVM, CNBV and CMF supervisory priorities, market conduct risk, financial crime controls and board reporting.

· Regional Benchmark · 8 min read

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