133 résultats pour « Actualités réglementaires »

EBA launches consultation on amended disclosure requirements for ESG risks, equity exposures and aggregate exposure to shadow banking entities

This EBA consultation proposes amendments to the Pillar 3 disclosures framework, integrating new requirements from Regulation (EU) 2024/1623 (CRR3) on ESG risks, equity exposures, and shadow banking entities. It aims to enhance transparency, streamline reporting, and simplify compliance.

Key changes include expanding ESG disclosure scope to more institutions with a proportionate approach, clarifying existing large institution disclosures, aligning with Taxonomy Regulation, and providing transitional provisions. The goal is to improve market discipline and ensure consistent, clear financial reporting across the EU banking sector.

EIOPA Urges Clearer NatCat Insurance Disclosures

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This study emphasizes the need for clearer, consumer-friendly disclosures in home insurance policies regarding natural catastrophe coverage. Despite some insurers providing accurate information, vague language and inconsistent definitions in Insurance Product Information Documents (IPIDs) often confuse consumers about coverage for events like floods or fires. With only a quarter of natural disaster losses insured in Europe, unclear disclosures contribute to a significant protection gap, leaving households vulnerable. EIOPA suggests improved IPID design, including detailed peril taxonomies and clear exclusion terms, to help consumers make informed decisions.

Insurance Europe calls for greater clarity on EIOPA’s AI Opinion

Insurance Europe responded to EIOPA's draft Opinion on AI governance in insurance, supporting clarity on existing rules but raising concerns over potential new obligations. It cautioned that the draft's language might lead to supervisory expectations being misinterpreted as binding requirements, conflicting with the EU's simplification goals for smaller firms. Insurance Europe also highlighted risks of dual supervision in some regions and emphasized the need for clear distinctions between different AI types and user roles. It urged EIOPA to focus on aligning the Opinion with established frameworks like Solvency II and GDPR for effective oversight.

FCA strips back insurance rulebook

The UK regulator plans to simplify its insurance rulebook by removing outdated and duplicate requirements, aiming to reduce costs and increase market access while maintaining customer protection. Proposed changes include exempting large commercial clients from some conduct rules, reducing mandatory annual product reviews, allowing flexible lead insurer arrangements, broadening bespoke contract exclusions, and eliminating certain training requirements. These reforms aim to boost competitiveness while protecting smaller clients. The regulator seeks feedback on these proposals by July 2, 2025, as part of its ongoing effort to streamline regulations and support industry growth.

A Proposal for Evaluating the Operational Risk for Chatbots Based on Large Language Models

Researchers proposed a new risk metric for evaluating security threats in Large Language Model (LLM) chatbots, considering system, user, and third-party risks. An empirical study using three chatbot models found that while prompt protection helps, it's not enough to prevent high-impact threats like misinformation and scams. Risk levels varied across industries and user age groups, highlighting the need for context-aware evaluation. The study contributes a structured risk assessment methodology to the field of AI security, offering a practical tool for improving LLM-powered chatbot safety and informing future research and regulatory frameworks.

The AI Act's Silent Impact on Corporate Roles

The European Union’s AI Act significantly reshapes corporate governance, imposing new responsibilities on directors, compliance officers, in-house counsels, and corporate lawyers. It demands transparency, risk management, and regulatory oversight for AI systems, particularly high-risk ones. These professionals must integrate AI oversight into governance, manage liability, conduct impact assessments, and ensure cross-border compliance. With its extraterritorial reach, the Act influences non-EU entities and sets global standards for AI governance. This paper aims to offer strategic guidance on aligning corporate policies with these emerging legal requirements, emphasizing proactive risk management and ethical AI adoption.

Dispute Resolution and the Shift from Risk to Uncertainty: Navigating Ambiguity in New EU Digital Regulations

As all transactions become digital, any involvement with EU users-even minor-triggers complex compliance risks, shifting the landscape from predictable “risk” to broader “uncertainty.” Compliance now dominates, reducing litigable individual rights and increasing disputes, but with a trend toward alternative and online dispute resolution (ADR/ODR). Traditional contract and litigation strategies are less effective, as mandatory compliance overrides forum or law choices. Future disputes will increasingly involve digital elements, requiring new approaches and cooperation between parties, especially regarding AI, data, and cybersecurity. Litigation will not decrease, but its nature will fundamentally change, demanding innovative risk management in international commercial litigation.

The Cyber Due Diligence Object Model (Cddom) Bridging Compliance, Risk, and Trust in the Digital Ecosystem

The Cyber Due Diligence Object Model (CDDOM) is a structured, extensible framework designed for SMEs to manage cybersecurity due diligence in digital supply chains. Aligned with regulations like NIS2, DORA, CRA, and GDPR, CDDOM enables continuous, automated, and traceable due diligence. It integrates descriptive schemas, role-specific messaging, and decision support to facilitate supplier onboarding, risk reassessment, and regulatory compliance. Validated in real-world scenarios, CDDOM supports automation, transparency, and interoperability, translating compliance and trust signals into machine-readable formats. It fosters resilient, decision-oriented cyber governance, addressing modern cybersecurity challenges outlined in recent research.