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David Strachan and Ian Stewart combine their regulatory and economic expertise to discuss whether financial services and financial services regulation are likely to facilitate or hinder the UK government's growth agenda. In particular they take a closer look at political sentiment from some quarters that UK regulators have been regulating for risk rather than growth. The conversation covered a range of relevant issues including: The UK's growth agenda and the role of financial services The impact of regulatory changes on facilitating greater lending or more investment into infrastructure or other productive assets relative to other levers such as monetary and fiscal policy Geopolitical uncertainty and the prospects for economic growth The resilience of sovereign debt markets in in the face of significant market volatility 

The UK's new digital markets competition regime came into force on 1 January 2025 and the Competition and Markets Authority ('CMA') is already exercising its responsibilities in this area.  Join Robert MacDougall from Deloitte's EMEA Centre for Regulatory Strategy as he delves into how the UK's new digital markets regime is being implemented along with Cat Batchelor from the CMA's Digital Markets Unit. Learn more about the CMA's approach to pace, predictability, proportionality and process, featuring a range of insights for companies interested in this new digital regulatory framework. Don't miss this engaging and informative discussion!

The 2025 edition of the annual Financial Markets Regulatory Outlook sets out the most important regulatory and supervisory themes in 2025 – both for the industry as a whole, and at the sector level. Tune in to listen to a robust discussion between host Liam Girvan (Associate Director, EMEA Centre for Regulatory Strategy), Suchitra Nair (Partner, EMEA Centre for Regulatory Strategy) and David Strachan (Advisor, EMEA Centre for Regulatory Strategy), on the key regulatory and supervisory trends that will impact the financial services industry in 2025 – the discussion covers both, a bird's eye view on major trends and mini dives into key issues affecting sectors. Buckle up!  the insights in this episode are intended to help C-suite individuals at financial services firms prepare for strategic decision making, risk management and implementation.

Risk Culture and Governance continue to be significant themes for the financial services industry, not just from a regulatory perspective but also because of the evolving nature of risks in the financial services landscape. Join host Alex Spooner on Regulated Radio as he discusses these crucial topics with Deloitte experts: Natasha De Soysa, UK Financial Services Governance lead, Jess Sutherland, UK Risk Culture co-lead, and Ciara O'Grady, Partner in our Irish practice. We discussed the key elements of a robust risk culture, its importance in an evolving risk landscape and the impact of recent regulatory changes. The panel also discusses the evolving role of governance, technological advancement and accountability regimes like SMCR and SEAR. Tune in for valuable insights on navigating the world of risk culture and governance in financial services.

The clock to implement Corporate Sustainability Reporting Drive keeps ticking on swiftly ... How prepared are financial services firms? What makes implementing CSRD unique in complexity and is there a way of unlocking wider value via the implementation?  In this episode of Regulated Radio, host Linda Hedqvist is joined by Deloitte's foremost CSRD experts Yolaine Kermarrec, Insurance Partner, Greg Lowe, Director in Sustainable Finance and Steve Farrell, Head of ESG Assurance to discuss key challenges facing firms and some insights on where firms should be focusing at this crucial moment.

The extremely wide remit of Consumer Duty has meant that firms across financial services have had their hands full over the last couple of years – but what's next? After the July 2023 deadline, what do firms need to focus on? identifying vulnerable consumers, assessing price and value, and ensuring that robust data is available to monitor and prove good outcomes, are just a few of the things that firms will need to continue work on. In this episode of Regulated Radio, host Isha Gupta interviews experts Kareline Daguer, Director of Insurance at the EMEA Centre for Regulatory Strategy, Charlotte Wightwick Head of Conduct at the ABI and Paul Fraser, Director, and Consumer Duty lead for investment management at Deloitte on this issue.

The Prudential Regulation Authority's supervisory statement (SS1/23) on model risk management principles for banks is due to take effect from 17 May 2024. Given that the statement was released in May 2023, banks have had some time to digest it, however careful consideration will be required to ensure that banks' model risk governance, controls, policies, processes, and reporting meet the PRA's expectations. In this episode of Regulated Radio, Rod Hardcastle is joined by Deloitte Partner Ian Wilson to discuss the five key principles of SS1/23, the associated challenges banks face and how banks can minimise the costs of meeting these new expectations.

The 2024 Sustainability Regulation Outlook report is now live! It covers the key implications of sustainability related regulations across financial services and non-financial services. The report contains key insights on pivotal topics with crucial consequences for financial services and the real economy such as decarbonisation, greenwashing, sustainability reporting and circularity. In this episode, Isha Gupta from the EMEA Centre for Regulatory Strategy is joined by authors of the report and senior managers in Deloitte's Sustainability Regulation Hub, Magda Puzniak-Holford and Ramon Bravo Gonzalez to discuss what firms should be focusing on to prepare for the deluge of sustainability related regulations. The trio are privileged to be joined by Jane Gimber, Head of Sustainability from Fleishman Hillard a consulting firm based in Brussels, who provides key insights on the impact that the upcoming European Parliamentary elections will have on all of this.

What's in store for 2024? What are the emerging risks and structural trends that are shaping the regulatory and supervisory agenda, and how should financial services firms respond? In this episode of Regulated Radio, Alex Spooner is joined by Suchitra Nair and David Strachan to explore these questions and a range of topics, including geopolitical risks, tech and innovation, sustainable finance, prudential reform and the Consumer Duty.

The transition towards Net Zero and the adoption of other Environmental, Social and Governance, or ESG standards, is leading to a massive expansion of regulatory scrutiny and activity in the marketplace. This relatively new area of regulation is challenging many firms to keep up with the pace of change. In this episode of Regulated Radio, Scott Martin is joined by Deloitte's EMEA Sustainability Regulation Hub experts, Magda Puzniak-Holford and Ramon Bravo Gonzalez, to discuss how sustainability is changing the way companies operate, how regulators are expanding their activity in this area, and what this means for firms across different sectors.

The global banking sector has experienced a period of instability this year. Starting in March, a string of bank failures in the United States and Europe created uncertainty in the market and raised doubts about what would happen next.  In this episode of Regulated Radio, Scott Martin is joined by Deloitte's Centre for Regulatory Strategy Leads, David Strachan and Irena Gecas-McCarthy, to discuss the period of banking sector stress seen earlier this year, the immediate supervisory response to it, and the regulatory changes we may see emerge in its aftermath.

In recent years, the easy availability of sustainable funds in the retail markets and the increasing amount of money flowing into these funds have made greenwashing a hot topic in the investment management sector. Regulators in the UK and EU are clearly aware of the potential for greenwashing in this industry and are attempting to tackle it through a range of regulatory initiatives. In this episode of Regulated Radio, Scott Martin is joined by Deloitte's ESG in investment management experts Jessica Hodges and Stuart Royden-Turner to discuss the key greenwashing challenges facing the industry at the moment, and in particular the role of ESG data in this story.

In this episode of Regulated Radio, Scott Martin is joined by David Strachan and Suchitra Nair to explore the major regulatory trends affecting the Financial Services Industry in 2023, along with a range of topics including climate-related financial risk management, digital assets and payments, prudential capital frameworks for banks and insurers, and operational resilience.

In this episode, our experts Toby Roxburgh, UK Nature and Biodiversity Lead and Simon Brennan, EMEA Sustainability Regulatory Strategy Lead, join host Scott Martin to explore what 'nature risk' is, how it relates to climate risk and what businesses should be doing to prepare for nature-related regulation. Tune in to learn more about how the wider nature and biodiversity agenda is rapidly coming up on climate's coat tails.

Our latest paper explores the key regulatory considerations across four key thematic areas: consumers, data, resilience, and governance and accountability, and how these will affect firms' strategies around embedded finance. In this episode, Suchitra Nair from the Centre for Regulatory Strategy and Richard Kibble, UK Banking Leader, discuss the current embedded finance landscape, the risks, opportunities and strategic considerations for firms. Our guests then offer some predictions for what they expect to see in the embedded finance market over the next 12-months.