Regulus — The global regulatory broadcast network

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United States DOJ Criminal Division Financial Crime ✓ 18 claims 15 Oct 2026

DOJ charges 16 over alleged illegal voting and citizenship fraud across 11 districts

The Justice Department announced election-crime charges against 16 individuals in cases spread across the country, from voting by aliens to false citizenship claims and double voting. For compliance and government-affairs readers, it is the latest in a run of DOJ election-integrity enforcement, naming defendants, districts and alleged conduct. This item sets out who was charged, where, and on what basis.

Sixteen individuals charged across districts including New Mexico, Eastern Pennsylvania, Alabama, Missouri, Ohio, Idaho, New Jersey, Hawaii and Kentucky.
Allegations span voting as a non-citizen, casting a deceased spouse's absentee ballot, voting twice in the 2024 election and false citizenship claims.
Cuban national Andre's Garcia allegedly voted in at least 15 elections over 20 years, including at least 13 federal elections.

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HM Revenue & Customs Source document ↗

United Kingdom HM Revenue & Customs Governance & Accountability ✓ 21 claims 15 Oct 2026

HMRC winds down VAT Notice 700/56, migrating insolvency rules to practitioner's handbook

HMRC's VAT Notice 700/56, the reference for insolvency practitioners appointed over VAT-registered businesses, is being progressively dismantled and replaced by a new Insolvency practitioner's handbook. The 12 October 2026 update strips out cash accounting guidance. For office holders who rely on this notice for dividends, Crown set-off, VAT grouping and PAYE on straddling payments, the practical question is where the authoritative text now lives.

The 12 October 2026 update removed section 11 cash accounting content, replacing it with a link to the Insolvency practitioner's handbook.
Sections 1, 2, 3, 4, 5, 6, 7, 10, 15, 17, 18 and 23 have already been migrated to the handbook across 2026 updates.
HMRC states set-off enquiries will not usually be initiated for credits below £250, and Crown set-off will not apply where a credit is secured by a valid fixed charge.

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UK DSIT Source document ↗

United Kingdom UK DSIT AI, Technology & Data ✓ 16 claims 15 Oct 2026

UK abolishes Information Commissioner's office, transferring functions to Information Commission

DSIT's commencement tracker for the Data (Use and Access) Act 2025 now covers all four stages. The latest update details stage 4, including the replacement of the Information Commissioner with a new Information Commission, a new right-to-erasure ground tied to stalking and harassment, and extended public-sector data-sharing powers. This item sets out what has been switched on and when.

Commencement No. 9 abolishes the Information Commissioner's office and transfers functions to the new Information Commission from 30 September 2026.
A new UK GDPR erasure ground, Article 17(1)(g), takes effect 31 March 2026 for data arising from allegations by a convicted stalker, harasser or person under a stalking protection order.
The majority of Part 5 data protection and privacy provisions, simplifying UK GDPR and modernising ICO enforcement powers, commenced on 5 February 2026.

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BIS Press Releases Source document ↗

Global BIS Press Releases Prudential & Capital ✓ 10 claims 15 Oct 2026

Basel Committee grades Australia, Japan, Korea, Switzerland compliant on leverage ratio; Canada, UK one notch below

The Basel Committee published RCAP assessment reports on how six jurisdictions implemented its leverage ratio framework. Four earned the top grade; Canada and the UK fell one notch short. This segment covers who was graded, how, and what the Committee is assessing next, including the newly initiated review of the Basel III risk-weighted asset revisions.

Australia, Japan, Korea and Switzerland assessed compliant; Canada and UK largely compliant with the leverage ratio framework.
Publication concludes the first round of multi-jurisdictional RCAP assessments of the leverage ratio.
Committee began assessing the Basel III risk-weighted asset revisions in H1 2026 and continues to assess leverage ratio implementation.

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BIS Press Releases Source document ↗

Global BIS Press Releases Digital Assets ✓ 18 claims 15 Oct 2026

BIS paper finds stablecoins and bank deposits are partial substitutes in US data

A BIS working paper tests whether reserve-backed stablecoins compete with bank deposits for US funds. Using weekly data and an identification strategy built on how banks reprice deposits above roughly 3%, the authors measure how stablecoin market capitalisation responds to deposit rate changes. The finding matters for how far the stablecoin sector can grow and how it might touch bank funding and monetary transmission.

Higher bank deposit rates are followed by slower stablecoin growth; the relationship is stronger for USDC than USDT.
Identification exploits banks repricing deposits more aggressively once the federal funds rate exceeds roughly 3%; a placebo test uses non-stablecoin cryptoassets.
The paper studies allocation between assets and does not establish that stablecoin growth reduces aggregate bank deposits or lending.

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HM Revenue & Customs Source document ↗

United Kingdom HM Revenue & Customs Governance & Accountability ✓ 22 claims 15 Oct 2026

HMRC to auto-enrol unregistered taxpayers into Making Tax Digital from September 2026

HMRC has updated its Making Tax Digital for Income Tax guidance to confirm mandation from April 2026 and a backstop: from September 2026 the department will sign up those who qualify but have not enrolled themselves. For advisers and in-house finance teams handling sole trader and landlord clients, the update sets the eligibility test, the identity checks and the penalty position for the first year.

Mandatory from 6 April 2026 for those whose total self-employment and property income exceeds £50,000, based on the prior year's tax return.
From September 2026 HMRC will auto-enrol qualifying taxpayers who have not signed up, using only data it already holds.
No penalty points for late quarterly updates in 2026-27, but penalties still apply to late tax returns and late payment.

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HM Revenue & Customs Source document ↗

United Kingdom HM Revenue & Customs Governance & Accountability ✓ 21 claims 15 Oct 2026

HMRC warns alcohol duty paid with wrong reference may be used to settle other tax bills

HMRC has refreshed its guidance on paying Alcohol Duty for approved alcoholic products producers. The latest change, dated 13 October 2026, spells out what happens when a payment carries the wrong reference number. The page also covers payment deadlines, Direct Debit limits, late-payment interest and the full set of accepted payment channels. Short, operational, and relevant to anyone managing duty settlement.

Using the wrong reference (format XA123456789012) may delay payment or route it to another tax bill; HMRC can move it on request.
Duty on the online return must clear by the 25th of the month; late payment triggers interest and possibly a penalty.
Direct Debit cannot be used for payments over £20 million, and cannot collect interest or penalty charges.
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governance

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HM Revenue & Customs Source document ↗

United Kingdom HM Revenue & Customs Governance & Accountability ✓ 20 claims 15 Oct 2026

HMRC changes bank-transfer payment reference for One Stop Shop VAT returns

HMRC has revised its guidance on paying VAT due under the One Stop Shop scheme, updating the bank-transfer payment reference and spelling out what happens when traders quote the wrong one. The changes are administrative but directly affect whether a payment lands on time and against the right liability, which matters for firms at risk of exclusion from the scheme.

The bank-transfer payment reference for OSS VAT returns was updated on 14 October 2026.
A wrong reference may delay payment, settle a different tax bill, or trigger a payment reminder; traders can email HMRC to move it.
Returns and full payment are due by the last day of the month after each quarter; late payment risks scheme exclusion, penalties or interest.

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FCA Source document ↗

United Kingdom FCA Conduct & Consumer ✓ 21 claims 15 Oct 2026

Upper Tribunal to hear motor finance redress scheme challenge in February 2027

The FCA has a hearing date for the legal challenges to its motor finance compensation scheme. The segment covers who is challenging, what lenders must still do while the scheme is partially suspended, and the contingency the regulator is telling firms to plan for if the scheme is struck down. Relevant to anyone managing redress exposure or provisioning in motor finance.

Upper Tribunal will hear the challenges between 16 and 26 February 2027, with judgment expected in the following months.
Challengers are VW, Mercedes Benz and Crédit Agricole auto finance units, plus Consumer Voice represented by Courmacs Legal.
FCA tells lenders to make financial provisions, engage auditors and prepare for the scheme being quashed with no complaint-handling pause.

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CISA Advisories Source document ↗

United States CISA Advisories AI, Technology & Data ✓ 22 claims 15 Oct 2026

CISA flags high-severity privilege-escalation flaw in Inductive Automation's Ignition platform

CISA has published an ICS advisory on a CVSS 8.8 authorization flaw in Inductive Automation's Ignition software, used across critical manufacturing, energy and IT sectors worldwide. This segment covers what the vulnerability allows, which versions are affected, the fixed builds, and the defensive measures CISA sets out for operators running the platform on control-system networks.

CVE-2026-92817 allows an authenticated low-level user to escalate to Designer-level access and run arbitrary code on the Ignition Gateway.
Affected builds are Ignition 8.1.0-8.1.54 and 8.3.0-8.3.8; fixes shipped in 8.3.9 (August 2025) and 8.1.55 (September 2026).
CVSS v3.1 base score is 8.8 (HIGH); CISA reports no known public exploitation targeting the flaw at this time.

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CISA Advisories Source document ↗

United States CISA Advisories AI, Technology & Data ✓ 19 claims 15 Oct 2026

CISA adds exploited Ivanti Connect Secure zero-day to KEV catalog, urges immediate patching

CISA has flagged an actively exploited zero-day in Ivanti Connect Secure VPN appliances and added it to the Known Exploited Vulnerabilities catalog. The flaw enables unauthenticated remote command execution used for credential theft and data exfiltration. This segment covers the affected versions, why standard detection tooling falls short, and the recovery steps CISA endorses for suspected compromise.

CVE-2026-104935 is a zero-day authentication bypass enabling remote, unauthenticated arbitrary command execution; added to CISA's KEV Catalog on Oct. 13, 2026.
Affected: Ivanti Connect Secure 25.1.1.1 and prior, 25.1.2.2 and prior, and 22.8R2.4 and prior; version 22.8 reaches end of life Jan. 31, 2027.
Ivanti's Integrity Checker Tool may miss exploitation because threat actor commands execute in memory; network and memory forensics required.

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CISA Advisories Source document ↗

United States CISA Advisories AI, Technology & Data ✓ 18 claims 15 Oct 2026

CISA flags unauthenticated video access in Swann SWIFI-SE2KIC cameras

CISA's October 13 advisory details three medium-severity vulnerabilities in Swann Communications' SWIFI-SE2KIC camera firmware. All stem from missing authentication and allow a local-network attacker to see video without logging in. The segment covers what is affected, the severity scoring, and why the mitigation list — rather than a patch — is the operative response for anyone running these devices.

Three CWE-306 missing-authentication flaws in Swann SWIFI-SE2KIC firmware <=2.0.22 allow unauthenticated viewing of live video, snapshots and real-time streams.
All rated medium (CVSS v3.1 base 6.2); CISA says the vulnerabilities are not remotely exploitable and reports no known public exploitation.
Swann provided interim mitigations rather than a cited patch: secure the router/firewall, avoid internet-exposed RTSP, and use strong unique passwords.

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HM Revenue & Customs Source document ↗

United Kingdom HM Revenue & Customs Governance & Accountability ✓ 18 claims 15 Oct 2026

HMRC refreshes VAT guidance on recovering input tax for financial exports to the EU

HMRC has updated its transitional guidance on the VAT treatment of specified supplies of finance and insurance services. The substance dates to the Brexit change that extended input tax recovery to EU customers from 11pm on 31 December 2020. This segment walks through what still binds banks, insurers, investment managers and brokers, and what the October 2026 edit actually removed.

The 13 October 2026 update only removed out-of-date EU Exit Transitional Provisions from the overview; the post-Brexit recovery rules are unchanged.
Since 11pm on 31 December 2020, the SSO allows input tax recovery on specified supplies to EU customers, via SI 2020/1545 regulations 91 and 92.
Amended regulation 102(2A) means previously approved PESMs are read in line with the revised SSO, avoiding the need to apply for a new method.
Insurers may continue using their current VAT accounting approach to determine the tax point for premiums under Section 6 VATA 94.

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HM Revenue & Customs Source document ↗

United Kingdom HM Revenue & Customs Financial Crime ✓ 17 claims 15 Oct 2026

HMRC to reject agent account applications without approved anti-money laundering supervision

HMRC's guidance on the agent services account now carries two binding changes for tax advisers: a legal requirement to register before interacting with HMRC on clients' behalf, and a rule that applications will be rejected where anti-money laundering supervision has been applied for but not yet approved. This matters to any firm dealing with HMRC on behalf of paying clients.

From 18 May 2026, tax advisers who interact with HMRC on behalf of clients face a legal requirement to register for an agent services account.
From 1 October 2026, HMRC will reject ASA applications where AML supervision has been applied for but not yet approved; approved supervision must be in place first.
Applicants must supply their AML supervisory body name and proof of supervision, and applications are measured against the HMRC Standard for Agents.

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Bank of England Source document ↗

United Kingdom Bank of England Markets & Infrastructure ✓ 29 claims 15 Oct 2026

Bank of England's Money Markets Committee backs phased extension of RTGS and CHAPS hours

The Money Markets Committee met on 25 September 2026 and reviewed sterling funding conditions, the proposed leverage ratio changes and the Bank's plan to extend RTGS and CHAPS settlement hours toward near 24x7. This segment covers what members supported, the operational frictions they raised, and the contingency and Code workstreams flagged for later in the year.

Feedback to the May 2026 RTGS/CHAPS consultation was broadly supportive, with respondents favouring extending existing operating days before adding further operating days.
Members welcomed the FPC's proposed leverage ratio changes but said it was difficult to predict any near-term material increase in balance-sheet deployment in UK money markets.
The next Sterling Money Markets Code update is planned for 2027, and EUI's proposed MiniCREST cyber contingency will return to the December meeting.

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FCA Source document ↗

United Kingdom FCA Financial Crime ✓ 12 claims 15 Oct 2026

FCA and NCA arrest three in insider dealing and money laundering operation

The FCA and National Crime Agency arrested three people on 13 October in a coordinated operation against a suspected organised crime group accused of insider dealing and money laundering. More than 100 staff searched five homes and seized over 30 devices. This segment covers what the regulator has confirmed so far and how it fits the FCA's stated push against market abuse by organised crime.

Three arrests on 13 October followed a joint FCA-NCA operation; over 100 staff searched five homes in London and Manchester.
Investigators seized more than 30 mobile phones, laptops and tablets; all three suspects are being interviewed at police stations.
In 2025/26 the FCA secured four insider dealing convictions, including two record sentences totalling 11 years, and fined 12 people £1.77m.

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OCC Bulletins Source document ↗

United States OCC Bulletins Financial Crime ✓ 12 claims 15 Oct 2026

US regulators clarify how banks may use mobile driver's licences under CIP Rule

The OCC, FinCEN, Federal Reserve, FDIC and NCUA have jointly issued FAQs on treating verifiable digital credentials, including state-issued mobile driver's licences, under the Customer Identification Program Rule. This segment covers what the guidance addresses, who it binds, and why onboarding and BSA teams should read the underlying document before relying on digital ID at account opening.

Interagency FAQs issued September 8, 2026 by the OCC, FinCEN, Federal Reserve, FDIC and NCUA on verifiable digital credentials under the CIP Rule.
Guidance covers the definition of a VDC, application of the CIP Rule at 31 CFR 1020.220, and amended terminology in previously issued FAQs.
Applies to all national banks, federal savings associations and federal branches and agencies, including community banks with up to $30 billion in assets.

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SEC Press Releases Source document ↗

United States SEC Press Releases Financial Crime ✓ 17 claims 15 Oct 2026

SEC charges New Jersey founder over alleged $16 million affinity Ponzi scheme

The SEC has filed fraud charges against Ernest Ossei Boateng and two New Jersey entities he controls over an alleged six-year Ponzi scheme that targeted an affinity community. The case covers classic hallmarks: guaranteed-return pitches, fake 'investment insurance', misappropriation and Ponzi-like payments. Worth a few minutes for anyone tracking affinity fraud enforcement and adviser antifraud exposure.

SEC alleges Boateng and two New Jersey companies raised about $16 million from over 200 inexperienced investors between January 2020 and March 2026.
Complaint alleges $5.8 million misappropriated for personal use, $6.6 million in Ponzi-like payments, and over $750,000 in day-trading losses.
Charges include antifraud violations of the Securities Act, Exchange Act and Advisers Act; SEC seeks injunctions, disgorgement and civil penalties.

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OCC Bulletins Source document ↗

United States OCC Bulletins Governance & Accountability ✓ 15 claims 15 Oct 2026

US agencies propose to replace interagency third-party risk guidance with a risk-tailored approach

Four US banking agencies have jointly proposed guidance that would revise and replace their existing third-party risk management expectations. The pitch is calibration: align oversight to the risk of each relationship rather than treating every vendor as high-risk. This segment covers what the proposal changes, who it would bind, the comment window, and why the non-enforceable framing matters for examiners and banks alike.

Proposed interagency guidance would revise and replace existing third-party risk management guidance across the OCC, Federal Reserve, FDIC and NCUA.
The guidance would not set enforceable standards or prescriptive requirements, and non-compliance would not result in supervisory action.
Comments are due 60 days from publication in the Federal Register; the guidance would apply to community banks when final.

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SEC Press Releases Source document ↗

United States SEC Press Releases Governance & Accountability ✓ 11 claims 15 Oct 2026

SEC exempts broker-dealer and swap intermediary forms from Inline XBRL rules

The SEC has rolled back part of its own December 2024 Inline XBRL expansion, exempting a defined set of intermediary filings from machine-readable tagging. This segment covers which forms are affected, what remains in scope, and the Commission's stated rationale of cutting compliance cost without reducing investor protection.

Relief applies to Form CA-1 (except Exhibit H), Form 1 (except Exhibit I), Form X-17A-5 Part III, Form 17-H, and SBS dealer annual compliance reports.
The exempted requirements were originally adopted on December 16, 2024; Exhibit H and Exhibit I remain in scope.
Chairman Atkins said the order reduces compliance costs without sacrificing investor protection, citing immaterial gains in data accessibility.

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BIS Press Releases Source document ↗

Global BIS Press Releases Digital Assets ✓ 19 claims 15 Oct 2026

BIS research finds on-chain crypto metrics vary by up to six times depending on method

A BIS working paper dismantles the assumption that public blockchain data yields clean measures of crypto and DeFi activity. For anyone using on-chain metrics to size markets, assess counterparties or inform supervisory thinking, it sets out exactly where the numbers diverge and why the same stablecoin means different things on different chains.

Bitcoin transaction values vary by up to a factor of six depending on the measurement approach used.
Authors classified 13 million active smart contracts, including about 1.4 million tokens, with trading concentrated around stablecoins.
The same stablecoin behaves differently across chains: tied to smart contracts on Ethereum, held outside them on Tron.

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SEC Press Releases Source document ↗

United States SEC Press Releases Digital Assets ✓ 15 claims 15 Oct 2026

SEC grants five-year 'Innovation Exemption' for onchain trading of tokenized NMS stock

The SEC has carved tokenized-stock trading venues out of the Exchange Act's 'exchange' definition for five years, letting them operate permissioned automated market makers while the Commission weighs permanent rules. This segment covers what the conditional relief permits, the six conditions attached, the parallel 'dealer' exemption for liquidity providers, and the comment window now open.

TSVs are temporarily exempted from the Exchange Act 'exchange' definition to trade tokenized NMS stock via permissioned AMM liquidity pools, subject to symbol and volume limits.
Conditions include rights parity with traditional stock, issuer notice-and-objection for third-party tokenization, auditable public smart contracts on a permissionless ledger, and halts mirroring the primary exchange.
A parallel conditional exemption from the 'dealer' definition covers proprietary-capital liquidity providers; both exemptions expire five years after publication.

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Single Resolution Board Source document ↗

European Union Single Resolution Board Prudential & Capital ✓ 15 claims 15 Oct 2026

SRB sets April 2028 deadline for banks to fold communication guidance into resolution plans

The Single Resolution Board has finalised operational guidance on how banks communicate when they are failing, plus a supplement on testing those capabilities. It sets no new rules but clarifies existing resolvability expectations and gives banks a date by which to reflect them in their communication plans. Useful for anyone managing Banking Union resolution readiness and tracking the SRM Vision 2028 shift toward operational testing.

SRB published final communication guidance plus a testing supplement; neither sets new requirements but clarifies the Expectations for Banks Communication dimension.
Banks have until April 2028 to reflect the operational considerations in their communication plans where needed.
Both documents follow a public consultation held between 17 October and 12 December 2025 and are aligned with the EBA resolvability framework.

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SEC Press Releases Source document ↗

United States SEC Press Releases Markets & Infrastructure ✓ 11 claims 15 Oct 2026

SEC fines OTC Link $575,000 for nine years of Regulation SCI failures

The SEC censured broker-dealer OTC Link LLC and imposed a $575,000 penalty for failing, between August 2016 and March 2025, to establish and enforce Regulation SCI policies covering system security, access control and vulnerability management on its OTC Link ATS. The order turns on repeated failures to remediate deficiencies after examiners flagged them, making it essential reading for SCI entities on how the agency weighs examination history.

OTC Link LLC was censured and ordered to pay a $575,000 civil penalty for Regulation SCI violations from August 2016 to March 2025.
The SEC found deficient policies on system security, access control and application vulnerability management, testing and remediation for OTC Link ATS.
Examiners flagged the gaps several times; the order cites repeated failure to promptly remediate as justifying the penalty, and found breaches of Rules 1001(a)(1), (a)(2) and (a)(3).

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Deutsche Bundesbank Source document ↗

Germany Deutsche Bundesbank Digital Assets ✓ 16 claims 15 Oct 2026

Bundesbank paper finds widespread stablecoin adoption modestly cuts long-run US output

A Bundesbank discussion paper builds a quantitative macro model, calibrated to the US, to ask what happens when stablecoins scale to USD 1-3 trillion. The authors isolate a bank lending channel and a fiscal space channel pulling in opposite directions, and show how reserve regulation changes the result. Useful for anyone mapping the deposit-displacement and Treasury-demand arguments now shaping stablecoin rulemaking.

Model predicts a modest long-run US output decline as the bank lending channel slightly outweighs the fiscal space channel.
Reserve design is decisive: bank-deposit backing worsens output, central-bank reserve backing strengthens fiscal space; foreign demand helps.
Transition can be expansionary because the fiscal channel acts faster, and stablecoins amplify monetary policy shocks via bank funding costs.

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FCA Source document ↗

United Kingdom FCA Digital Assets ✓ 16 claims 15 Oct 2026

FCA opens authorisation gateway for UK crypto firms, sets 28 February 2027 deadline

The FCA has opened applications for crypto firms seeking authorisation under the UK's new regulatory regime. This segment covers the two dates that matter, the four standards firms are assessed against, and the transitional position for applicants awaiting a decision when the regime goes live. If you advise a crypto business with UK exposure, the clock has started.

Crypto firms can apply for FCA authorisation from 30 September 2026; those continuing to operate should apply by 28 February 2027, before the regime starts on 25 October 2027.
Authorisation is assessed against four standards: consumer protection, safeguarding of customer assets, market integrity and financial resilience; firms that fall short will not be authorised.
Firms applying within the window may keep providing services, including new business, if no decision is made before the regime takes effect.

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SEC Press Releases Source document ↗

United States SEC Press Releases Markets & Infrastructure ✓ 17 claims 15 Oct 2026

SEC proposes wider retail access to private markets, floats new accredited-investor paths

The SEC has voted to propose amendments aimed at opening private-market strategies to retail investors through regulated fund structures, and separately opened comment on new routes to accredited-investor status. This segment walks through what the Commission is proposing, what it is merely asking about, and the 60-day clock now running for firms that structure or distribute these products.

Registered advisers to regulated funds could receive performance-based compensation tied to capital gains or appreciation, with new disclosure required on fund forms.
Separate comment request weighs a FINRA accredited-investor exam and credentials — CPA, CFA, CFP, Series 79, Series 86/87 — as non-financial qualification paths.
Comment periods remain open 60 days after Federal Register publication; proposals also modernize interval funds and closed-end fund multi-class issuance.

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BIS Press Releases Source document ↗

Global BIS Press Releases AI, Technology & Data ✓ 15 claims 15 Oct 2026

BIS flags circular investment loops among AI firms as source of macro risk and opacity

A BIS Bulletin maps how AI firms invest in one another, and how often those investments overlap with commercial supply relationships between the same parties. For anyone tracking financial-stability signals in the AI build-out, it quantifies the concentration and names the risks central banks are starting to watch.

55.2% of incoming investment in AI firms (2021-2025) came from other AI firms; 28.7% of AI firms' deals by value targeted another AI firm.
Of AI-to-AI deals, 16.1% by count and 46.4% by value also involved supply-chain relationships between investor and target.
BIS staff frame these loops as economically rational but carrying macroeconomic risk and reduced transparency.

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SEC Press Releases Source document ↗

United States SEC Press Releases Governance & Accountability ✓ 14 claims 15 Oct 2026

SEC Division of Examinations publishes new exam handbook replacing prior brochure

The SEC's Division of Examinations has released a new handbook describing how registrants are examined, from risk assessment through to the disposition letter. It replaces and expands the division's previous examination brochure. For compliance teams that face SEC exams, the document sets out what the division says registrants should expect at each stage and how to engage with examiners.

The Division of Examinations published "The SEC Exam Handbook: A Practical Guide on Process and Engagement" on October 1, 2026, replacing the previous examination brochure.
The handbook covers each stage of an exam, from the risk assessment process through to the disposition letter.
It provides several avenues for registrants to give feedback or ask questions, along with practical tips and resources to prepare for an exam.
Chairman Paul S. Atkins and Division Director Keith Cassidy framed the handbook as answering registrant requests for greater clarity and predictability.

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SEC Press Releases Source document ↗

United States SEC Press Releases Digital Assets ✓ 14 claims 15 Oct 2026

SEC proposes crypto custody framework for investment advisers and regulated funds

The SEC has opened a 60-day consultation on how registered investment advisers, registered funds and BDCs may custody crypto assets. It would create a compliant pathway where none existed, permit self-custody in defined circumstances, and admit state trust companies as custodians. This segment covers what the proposal changes for advisers and funds and where the open questions sit before any final rule.

SEC proposed a tailored crypto custody framework for registered investment advisers and regulated funds on October 1, 2026 (release 2026-100).
The proposal would permit self-custody of crypto assets in certain circumstances and allow state trust companies to act as custodians for client and fund assets.
The comment period remains open for 60 days following publication in the Federal Register; the measure is a proposal, not yet a rule.

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European Commission Digital Strategy Source document ↗

European Union European Commission Digital Strategy AI, Technology & Data ✓ 17 claims 15 Oct 2026

EU opens tender for a three-year AI Observatory to track sectoral uptake

The European Commission has published a call for tenders to set up and run a new AI Observatory for three years. This segment covers what the contractor must deliver, the indicators it will track, and why the procurement matters for firms watching how Brussels intends to measure AI adoption across strategic sectors.

Call for tenders opened 5 October 2026 and closes 3 November 2026, for a three-year contract to set up and operate the AI Observatory.
The Observatory supports the Apply AI Strategy and will track AI investments, patents, skills and talent, and computing infrastructure.
Deliverables include sector-specific qualitative reports, cross-cutting challenge reports, and an interactive website with a Commission AI policy tracker.

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UK DSIT Source document ↗

United Kingdom UK DSIT AI, Technology & Data ✓ 13 claims 15 Oct 2026

UK launches survey of AI security companies to map the market

The UK has published a privacy notice tied to a short survey of AI security companies, run by DCMS's Cyber Security and Digital Identity Directorate and originally commissioned by DSIT. This segment covers what the notice says, what it does not, and why a data-collection exercise aimed at understanding the AI security market is worth a compliance team's attention.

DCMS published the privacy notice for its AI security companies survey on 6 October 2026.
The survey aims to improve understanding of the AI security market and the services these companies provide.
It is run by the Cyber Security and Digital Identity Directorate, previously part of the former DSIT, which originally commissioned it.

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HM Treasury Source document ↗

United Kingdom HM Treasury Digital Assets ✓ 21 claims 15 Oct 2026

UK names six Joint Lead Managers for digital gilt pilot, targets Q1 2027 issuance

The Economic Secretary used UK Digital Assets Week to set out where the government's digital-finance programme has actually moved from design to delivery. The headline is the appointment of six Joint Lead Managers for the DIGIT pilot and a first-quarter 2027 issuance date, alongside live Sandbox approvals and the cryptoasset authorisation clock now running. Useful for mapping sequencing across gilts, stablecoins and the FCA perimeter.

Six firms appointed as Joint Lead Managers for the DIGIT pilot issuance, targeted for Q1 2027 on HSBC's Orion platform and listed on LSEG's main market.
HSBC and ClearToken have each received approval to operate a live Digital Securities Depository in the Digital Securities Sandbox; Treasury will lay supporting secondary legislation.
Cryptoasset activities enter the FCA regulatory perimeter from 25 October 2027; the transitional-arrangements application window opened 30 September.

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AFM Netherlands Source document ↗

AFM Netherlands Digital Assets ✓ 17 claims 15 Oct 2026

Dutch regulators say national law blocks native securities tokenisation

The AFM and DNB publish a joint exploratory study on securities tokenisation in the Netherlands, concluding that current Dutch law offers no basis for fully native tokens and forcing firms into hybrid dual-registration arrangements. This segment covers what the regulators found, what they are asking government to do, and why Dutch market infrastructure choices may migrate elsewhere.

AFM and DNB find Dutch law gives no basis for securities issued, held and transferred exclusively as tokens; native tokenisation is not currently possible.
Hybrid dual registration alongside DLT limits efficiency gains and creates uncertainty over the legal significance of the token record.
The regulators call for a government-led follow-up aligned with European initiatives, using specific use cases to decide whether to clarify or amend rules.

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DOJ Criminal Division Source document ↗

United States DOJ Criminal Division Financial Crime ✓ 20 claims 15 Oct 2026

DOJ reopens Western Union remission to new fraud victims, sets Dec. 31 filing deadline

The Justice Department has reopened the compensation process tied to Western Union's 2017 deferred prosecution agreement, inviting fraud victims who never filed to petition for recovery before the year-end deadline. This segment covers who qualifies, the amounts distributed so far, and the warning on impersonation scams accompanying the payouts.

DOJ previously distributed over $436.9 million to more than 180,000 Western Union fraud victims and has now reopened petitions.
Phase three adds $3.4 million in remission to 1,294 victims and opens a Victim Portal; the filing deadline is Dec. 31.
Eligibility covers fraud-induced transfers sent through Western Union between Jan. 1, 2004 and March 9, 2020.

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DOJ Criminal Division Source document ↗

United States DOJ Criminal Division Financial Crime ✓ 19 claims 15 Oct 2026

Florida lab VP convicted of billing Medicare over $15m in COVID-19 testing fraud

A federal jury has convicted the vice president of a Florida testing laboratory over a pandemic-era scheme that attached unnecessary blood tests to COVID-19 testing events at residence country clubs. The case shows how DOJ's new Fraud Division and the Health Care Fraud Strike Force are pursuing providers who exploited pandemic testing demand, and sets out the billing figures and charges the jury returned.

Jury convicted Joseph Rodriguez of conspiracy to commit health care fraud and six substantive counts of health care fraud.
Testing events at nine clubs over about four months involved almost 2,000 patients; Medicare billed over $15 million and paid over $500,000.
Rodriguez faces a maximum of 10 years per count, with sentencing scheduled for a later date in January 2027.

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DOJ Criminal Division Source document ↗

United States DOJ Criminal Division Financial Crime ✓ 21 claims 15 Oct 2026

Minnesota woman convicted in $3.6M Medicaid housing services fraud

A federal jury has convicted a Minnesota provider of billing a now-defunct Medicaid housing program for services never delivered, including hours supposedly worked by staff in other countries. The case is the DOJ Fraud Division's first announced Minnesota conviction and illustrates the data-analysis techniques prosecutors now bring to health care fraud trials.

Jury convicted Sharmaine Meadows on three counts of health care fraud; she faces up to 10 years per count at a later sentencing.
The HSS Program paid her company over $3.6 million between 2020 and 2025 into accounts she exclusively controlled.
Evidence included billing for staff in Illinois and the Philippines, hospitalised beneficiaries, and days exceeding 20 billed hours.

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Bank of England Source document ↗

United Kingdom Bank of England Prudential & Capital ✓ 25 claims 15 Oct 2026

Bank of England runs SIMEX26 cloud-outage exercise with 38 systemic firms

On 8 October 2026 the Cross-Market Operational Resilience Group completed SIMEX26, its biennial crisis simulation, this time built around a global cloud services outage. The 38 largest and most systemically important banks and market infrastructure operators took part alongside the Bank, FCA and HM Treasury. This segment covers what was tested, who was in the room, and what the Bank now expects firms to do next.

SIMEX26 completed on 8 October 2026 and focused on a global disruption to cloud-based services.
The 38 largest and most systemically important banks and market infrastructure operators participated, with HM Treasury, the FCA and the wider sector.
The Bank now expects firms to take action based on the exercise to further strengthen resilience to severe operational and cyber scenarios.
The exercise included a live meeting of the Bank-chaired Cross Market Business Continuity Group and exercised the Sector Response Framework.
The scenario was not informed by any specific threat information but was developed alongside industry experts.

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CFTC — Commodity Futures Trading Commission Source document ↗

United States CFTC — Commodity Futures Trading Commission Governance & Accountability ✓ 12 claims 15 Oct 2026

CFTC adopts 30% presumption for whistleblower awards of $5 million or less

The CFTC has finalised a rule creating a rebuttable 30 percent presumption for whistleblower awards at or below $5 million, aligning its framework with the SEC's. This segment covers what the presumption changes for claims processing, how much discretion the Commission retains, and why the agency frames it as cross-agency harmonisation worth a few minutes of attention.

A 30 percent presumption applies to whistleblower awards of $5 million or less, subject to Commission discretion and its analysis of relevant regulatory factors.
The rule is modelled on the SEC's rule 21F-6(c), which the CFTC frames as advancing harmonisation between the two agencies.
The final rule takes effect 30 days after publication in the Federal Register.

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SEC Press Releases Source document ↗

United States SEC Press Releases Financial Crime ✓ 16 claims 15 Oct 2026

SEC charges Florida adviser over $860,000 fraud targeting police and firefighters

The SEC has charged a Port St. Lucie man and his firm with defrauding at least 18 investors, many of them current or retired South Florida law enforcement officers, through two funds he controlled. The defendants agreed to a bifurcated settlement. This segment covers what Williams was alleged to have claimed, how he allegedly won trust, and what penalties the court has yet to determine.

Williams and CMI Capital allegedly raised approximately $860,000 from at least 18 investors, many current or retired South Florida law enforcement officers.
Williams allegedly misappropriated about $384,000 for personal expenses and has since repaid more than $375,000 to certain investors.
Defendants consented to injunctions without admitting allegations; disgorgement, prejudgment interest, penalties and an associational bar remain for the court.

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SEC Press Releases Source document ↗

United States SEC Press Releases Financial Crime ✓ 20 claims 15 Oct 2026

SEC charges four entities in $15 million WhatsApp investment-confidence fraud schemes

The SEC has charged four entities, likely run by individuals overseas, over two investment-confidence frauds that used WhatsApp, Facebook and websites to defraud hundreds of retail investors. Both schemes claimed SEC regulation and posted falsified Form D filings. For compliance and financial-crime teams, the filings map a recurring playbook: relationship-building online, fake AI trading, and advance-fee withdrawal blocks.

The SEC filed two separate complaints in the Southern District of New York on September 29, 2026 against four entities.
Cryptoaiml entities allegedly misappropriated more than $12.5 million and TSAI entities more than $2.8 million from investors.
Both schemes falsely claimed to be regulated by the SEC and posted falsified Form D filings, since removed from the Commission website.
Cryptoaiml used WhatsApp group chats and fake AI trading signals from at least August 2024 through March 2025; TSAI operated from September 2024 to March 2025.
Investors who tried to withdraw funds were allegedly told accounts were frozen until they paid fraudulent advance fees.

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SEC Press Releases Source document ↗

United States SEC Press Releases Financial Crime ✓ 19 claims 15 Oct 2026

SEC charges two over $8.7 million fraud scheme that targeted military veterans

The SEC has charged two individuals with running an affinity fraud that drew more than $8.7 million from 35 investors, exploiting ties among veterans and their medical providers. The segment covers the alleged misrepresentations, the diversion of pre-IPO investor money into loss-making options trades, and the parallel criminal case brought by SDNY prosecutors.

SEC alleges Dinelli and Frankel raised more than $8.7 million from 35 investors through Beyond Alpha Ventures and Beyond Equity.
Defendants allegedly touted returns of up to 153% despite consistent fund losses; Dinelli allegedly misappropriated over $1 million and Frankel over $340,000.
SDNY prosecutors announced parallel criminal charges over the same conduct this week.

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SEC Press Releases Source document ↗

United States SEC Press Releases Conduct & Consumer ✓ 11 claims 15 Oct 2026

SEC charges Meyer Global Management and CEO over fraud in SpaceX pre-IPO funds

The SEC has sued a private fund adviser and its CEO over a multi-year scheme centred on pre-IPO securities including SpaceX. For asset management compliance leads, it is a case study in how fiduciary breach, misappropriation and investor-reporting fraud can compound inside the hard-to-value private markets that retail money is increasingly chasing.

SEC alleges misappropriation of client assets to fund Meyer's personal expenses across at least three MGM-managed fund schemes since December 2021.
One MGM-managed fund forfeited its nearly $3,000,000 SpaceX investment after a capital-call deficiency went repeatedly unaddressed.
Charges filed in SDNY under Advisers Act antifraud provisions; SEC seeks injunctions, disgorgement with interest, penalties and a conduct-based injunction against Meyer.

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CFPB Source document ↗

United States CFPB Conduct & Consumer ✓ 13 claims 15 Oct 2026

CFPB opens debanking probe of nine largest US banks after OCC report

The CFPB has picked up an OCC report naming the nine largest national banks and turned it into an enforcement lane. This segment covers who is named, which statutes the bureau will test them against, and how a politically framed consumer-protection action reshapes supervisory exposure for institutions above the $10 billion threshold.

The CFPB will investigate the nine OCC-named banks and others for compliance with ECOA, FCRA adverse-action rules and UDAAP.
The OCC report cited debanking of sectors including firearms, oil and gas, and tobacco, with excerpts from bank emails.
The initiative implements Executive Order 14331; the CFPB supervises banks above $10 billion in assets.

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Financial Stability Board Source document ↗

Global Financial Stability Board Governance & Accountability ✓ 12 claims 15 Oct 2026

FSB review finds its own policy drafting contributes to uneven G20 reform implementation

The FSB's second Implementation Monitoring Review report turns the lens inward, asking whether the way it develops, drafts and presents post-crisis reforms affects how well they are implemented. It concludes national circumstances dominate but the policy process itself matters in a number of cases. For anyone who tracks FSB standards into national rulebooks, this signals where the body may recalibrate how it writes the next generation of reforms.

Second report under the G20 Implementation Monitoring Review, a strategic review led by Randal K. Quarles at the G20's request.
Finds national circumstances are the main driver of uneven implementation, but the FSB's own policy development process contributes in some cases.
Points to targeted, well-calibrated reform of the policy development process as one element in improving implementation.

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Financial Stability Board Source document ↗

Global Financial Stability Board Governance & Accountability ✓ 14 claims 15 Oct 2026

FSB consults on eight principles for modernising financial regulation and supervision

The Financial Stability Board has opened consultation on eight high-level principles meant to keep regulatory and supervisory frameworks forward-looking without eroding resilience. Alongside it sits the 2026 G20 Implementation Monitoring Review, which concedes that some of the uneven uptake of agreed standards stems from how the FSB drafts and presents policy. This segment covers what both documents say and the deadline that matters.

Eight high-level modernisation principles are open for comment until 8 January 2027, with a final report due in the first half of 2027.
Principles rest on four premises, including that they build on the commitment to implement internationally agreed standards and aim to preserve or enhance resilience.
The 2026 IMR traces part of uneven implementation to the FSB's own policy development process, following 2025 findings of a worrisome slowdown.

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HM Revenue & Customs Source document ↗

United Kingdom HM Revenue & Customs Governance & Accountability ✓ 19 claims 14 Oct 2026

HMRC updates Air Passenger Duty payment guidance on wrong reference numbers

HMRC has refreshed its operational guidance on paying Air Passenger Duty. The headline change is a warning on payment reference discipline, alongside restated deadlines, payment channels and account details. It is administrative rather than a change to duty rates or liability, but it affects how airlines and occasional operators discharge their APD obligations and avoid penalties or interest.

Using an incorrect 15-character reference (starting with X) may delay a payment or apply it to another tax bill; payers can email APDHelpdesk@hmrc.gov.uk to move it.
Payment deadlines are extended by seven calendar days for Direct Debit, Faster Payments, CHAPS and Bacs; Occasional Operator Scheme users pay within seven days of the flight.
Payments over £20 million cannot be made by Direct Debit, and a return must be submitted even where there is nothing to pay.
Occasional Operator Scheme payers cannot use Direct Debit and must contact HMRC for a reference number.

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FCA Publications Source document ↗

United Kingdom FCA Publications Prudential & Capital ✓ 16 claims 14 Oct 2026

FCA and PRA lift 15% cap on individual lenders' high-LTI mortgage lending

The FCA and PRA have jointly recalibrated how the FPC's loan-to-income flow limit is enforced. Individual mortgage lenders may now push their share of high-LTI lending above 15%, provided the market-wide flow stays consistent with that limit. This item covers who the new guidance binds, how the aggregate flow will be measured and published quarterly, and where the supervisory attention now falls.

Individual lenders may now exceed a 15% share of high-LTI lending, with the 15% limit instead applied to aggregate market flow.
FG26/11 replaces FG14/8 (2014), revised by FG17/2 (2017) and FG25/4 (July 2025); PRA amended its Rulebook and issued a new supervisory statement.
PRA and FCA will calculate aggregate high-LTI flow quarterly; PRA publishes the figure with completed mortgage volumes and share.

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CSSF Luxembourg Source document ↗

CSSF Luxembourg Financial Crime ✓ 16 claims 14 Oct 2026

CSSF warns of fraud scheme misusing former name of investment firm CORIENT S.A.

The CSSF has issued a short warning flagging a fraudulent website impersonating a legitimate Luxembourg investment firm by reviving its former name. The item matters for compliance teams tracking impersonation risk and for anyone handling client queries about entities purporting to operate from a Kirchberg address. It is brief and investor-protection focused.

CSSF flags fraudulent website www.arche-associes-lu.com reusing the former name "Arche Associés S.A." of investment firm CORIENT S.A.
The scheme claims a registered office at 37 b A, Avenue JF Kennedy, L-1855 Luxembourg, and is classified as identity theft and illicit activities.
CORIENT S.A., an authorised investment firm, is stated to have no connection to the fraudulent website.

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Financial Stability Board Source document ↗

Global Financial Stability Board Governance & Accountability ✓ 13 claims 14 Oct 2026

FSB consults on eight principles for modernising regulatory and supervisory frameworks

The Financial Stability Board has opened consultation on eight high-level principles to guide how financial authorities modernise their regulatory and supervisory frameworks. Addressed to authorities rather than firms, the principles respond to a US G20 Presidency request and carry four framing understandings about resilience and existing standards. This segment covers what is proposed, what remains open, and why the framing matters for regulated institutions.

FSB proposes eight high-level modernisation principles addressed to financial authorities, subject to four framing understandings.
Work responds to a request from the US G20 Presidency, informed by a member stocktake and a June 2026 symposium.
Consultation responses are due by 8 January 2027 and will be published unless respondents request otherwise.

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