Law, Regulation and Policy

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US Advanced Approaches Risk-Based Capital Rule

FRB, FDIC and OCC regulatory capital framework applicable to large, internationally active banking organizations

US Federal Reserve Board, Federal Deposit Insurance Corporation and Office of the Comptroller of the Currency final regulatory capital rules applicable to large, internationally active banking organizations that determine their regulatory capital ratios under advanced approaches rule --generally those with at least $250 billion in total consolidated assets or at least $10 billion in total on-balance sheet foreign exposures. The final rules enhance consistency of advanced approaches with Basel capital standards.

Publisher: National Regulators Release date: Jun 2015 Country: United States

Type: Law, Regulation and Policy

Topics: Capital adequacy, Systemically important financial institutions (SIFIs)

Sectors: Banking

CRD IV: Liquidity

PRA policy on implementation of liquidity coverage requirements

UK Prudential Regulation Authority policy statement on how it will implement the European Union's liquidity coverage requirement (LCR) for credit institutions. Addresses how the LCR, and additional add-on liquidity requirements, will be phased in, liquidity reporting and disclosure, and liquidity risk management and supervisory review.

Publisher: National Regulators Release date: Jun 2015 Country: United Kingdom

Type: Law, Regulation and Policy

Topics: Liquidity risk and rules, Transparency and disclosure

Sectors: Banking, Securities

Prudential Standard on Health Insurer Solvency

APRA liquidity standard applicable to all health insurers

Australian Prudential Regulation Authority standard to ensure that the assets of a health benefit fund are sufficiently liquid such that a private health insurer will be able to meet its cash demands and unanticipated losses from its activities. Requires that, for each health benefits fund: i) the value of cash is not less than sum of cash management amount, plus any solvency supervisory adjustment amount; ii) the insurer has, and complies with, a board endorsed liquidity management plan for each health benefits fund it conducts, and ensures that the plan has been designed with regard to important factors included in this prudential standard, and is reviewed at least every two years.

Publisher: National Regulators Release date: May 2015 Country: Australia

Type: Law, Regulation and Policy

Topics: Liquidity risk and rules

Sectors: Insurance

Prudential Standard on Health Benefit Fund Capital Adequacy

APRA capital standard for health benefit funds conducted by private health insurers

Australian Prudential Regulation Authority standard to ensure sufficient assets in health benefits fund conducted by private health insurer to provide adequate capital for conduct of the fund. Key requirements are: i) health benefits fund must maintain required levels of capital; ii) private health insurer must have, and comply with, written, board endorsed, capital management policy for each health benefits fund it conducts, and provide this to APRA; and iii) board must review capital management policy at least every two years and as part of each review, consider insurers access to internal and external capital and impact on premiums of holding more or less capital than amount determined.

Publisher: National Regulators Release date: May 2015 Country: Australia

Type: Law, Regulation and Policy

Topics: Capital adequacy

Sectors: Insurance

The Implementation of Ring-Fencing

PRA policy addressing legal structure, governance and continuity of services and facilities

UK Prudential Regulation Authority draft policy statement provides feedback on responses received to Consultation Paper 19/14 (published in October 2014) and amendments to draft rules and supervisory statements. Policy statement covers three areas: i) legal structure arrangements of banking groups subject to ring-fencing; ii) governance arrangements of ring-fenced bodies; and iii) arrangements to ensure continuity of services and facilities to ring-fenced bodies.

Publisher: National Regulators Release date: May 2015 Country: United Kingdom

Type: Law, Regulation and Policy

Peer: The Implementation of Ring-Fencing: Consultation on Legal Structure, Governance and the Continuity of Services and Facilities

Topics: Corporate governance, Financial conglomerates, Licensing, Systemic risk

Sectors: Banking

Prevention of the Use of the Financial System for the Purposes of Money Laundering or Terrorist Financing

EU 4th directive to prevent use of financial system for money laundering and terrorist financing

European Union directive aims to prevent use of EU financial system to launder money and finance terrorism applies to banks and other financial institutions, credit institutions and a range of professional service providers. Authorizes the creation of central registers to record ultimate beneficial owners of businesses.

Publisher: Regional Standard-Setting Bodies Release date: May 2015

Type: Law, Regulation and Policy

Peer: Anti-Money Laundering and Countering the Financing of Terrorism Risk Factor Guidelines

Topics: Money laundering and terrorist financing

Sectors: Banking, Insurance, Pensions, Securities, Microfinance

Insurance Supervision Act: Amendment Promulgated in the Federal Law Gazette

Insurance Supervision Act (Germany)

Federal Financial Supervisory Authority of Germany (BaFin) announcement sets out amendments to German Insurance Supervision Act. Includes special rules for insurance groups and transitional provisions intended to make changeover to new supervisory regime easier for undertakings. New legislation reflects two systems: i) undertakings that fall within scope of Solvency II; and ii) companies that are not subject to European supervisory regime. Act to Modernise Financial Supervision of Insurance Undertakings enters into force on 1 January 2016, with exception of a provision which comes into effect immediately and allows BaFin, among other things, to issue certain supervisory authorizations in anticipation of Solvency II.

Publisher: National Regulators Release date: Apr 2015 Country: Germany

Type: Law, Regulation and Policy

Peer: Minimum Requirements on the System of Governance of Insurance Undertakings

Topics: Supervisory framework

Sectors: Insurance

Act on Restructuring and Resolution of Certain Financial Enterprises

Danish legislation implementing the EU BRRD

Danish law establishing a framework for recovery and resolution of credit institutions and investment firms that implements key parts of the European Union Bank Recovery and Resolution Directive (BRRD)

Publisher: National Government Release date: Mar 2015 Country: Denmark

Type: Law, Regulation and Policy

Parent: Bank Recovery and Resolution Directive (BRRD)

Peer: Media Announcement of the Failure and Resolution of Danish Bank

Topics: Recovery and resolution

Sectors: Banking, Securities

HKMA Supervisory Policy - Overview of Capital Adequacy Regime for Locally Incorporated Authorized Institutions

HKMA bank capital adequacy framework

Hong Kong Monetary Authority overview of framework for calculation of bank capital adequacy ratios. Closely reflects regulatory capital standards published by Basel Committee on Banking Supervision (BCBS).

Publisher: National Regulators Release date: Feb 2015 Country: Hong Kong, China

Type: Law, Regulation and Policy

Peer: HKMA Supervisory Policy - Supervisory Review Process

Topics: Capital adequacy

Sectors: Banking

HKMA Supervisory Policy - Systemically Important Banks

HKMA assessment methodology for identifying systemically important banks

Hong Kong Monetary Authority statutory guideline sets out framework for assessing systemic importance of banks and for determining capital requirements to which any locally incorporated bank designated as a D-SIB or G-SIB under the Banking (Capital) Rules (BCR) should be subject.

Publisher: National Regulators Release date: Feb 2015 Country: Hong Kong, China

Type: Law, Regulation and Policy

Peer: HKMA Supervisory Policy - Countercyclical Capital Buffer (CCyB) – Approach to its Implementation

Topics: Systemically important financial institutions (SIFIs), Capital adequacy

Sectors: Banking

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Resources

382 records

US Advanced Approaches Risk-Based Capital Rule

CRD IV: Liquidity

Prudential Standard on Health Insurer Solvency

Prudential Standard on Health Benefit Fund Capital Adequacy

The Implementation of Ring-Fencing

Prevention of the Use of the Financial System for the Purposes of Money Laundering or Terrorist Financing

Insurance Supervision Act: Amendment Promulgated in the Federal Law Gazette

Act on Restructuring and Resolution of Certain Financial Enterprises

HKMA Supervisory Policy - Overview of Capital Adequacy Regime for Locally Incorporated Authorized Institutions

HKMA Supervisory Policy - Systemically Important Banks

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