乐鱼（Leyu）体育官网

Fairness and potential breaches to customer trust will be driven through:

Supervision and Enforcement: Fairness will continue to be examined throughout the听 customer journey and across products and services (e.g., auto loans, servicing, payments,听 deposits, advertising, sales, and data and privacy practices), as well as underlying decision-听 making processes, including the use of 鈥渁utomated systems鈥� (e.g., models, algorithms,听 programs, AI/ML) and related marketing/advertising. Fairness should also be factored into听 a firm鈥檚 operations through dynamic and ongoing risk assessment processes, monitoring,听 testing and data analyses.

Regulatory Expansion: Despite potential court challenges on regulatory authority, regulators听 will continue to apply an expanded lens of fairness to existing regulations (e.g., UDAAP/听 UDAP). Expect revisions to existing regulations and guidance (e.g., CRA, merger and antitrust听 reviews, and conflicts of interest) and new regulations to include fairness considerations.

And while legal challenges could potentially extend implementation timelines for certain new听 rules and proposals (e.g., CFPB鈥檚 1071 small business lending rule), regulators will expect the听 industry to continue preparedness and implementation planning.

• Market Structure Changes: Anticipated changes to the retail trading market structure听 aim to reduce 鈥渋nefficiencies鈥� that may disproportionately impact retail investors. The听 changes promote transparency and market competition through new Best Execution听 standards, expanded order execution disclosure, 鈥渋mprovements鈥� to certain pricing and听 fees, and increased order competition.
• Fair Treatment: Regulatory focus on complaints, claims, and fraud management,听 with particular focus around timeliness, substance, and completeness of responses听 will be ongoing. Regulators will look for consistency between consumer groups and听 responsive/fair remediation of disputes.

• Clarity: Continued regulatory focus on the clarity, completeness, accuracy, and consistency of听 statements and claims made regarding products and services in related marketing, advertising,听 and disclosures.
• Supervision: Continued scrutiny to evaluate whether:
  • Products and services are offered on substantially the same terms to all consumers/investors听 and are not designed to favor one group over another.
  • Analyses are conducted to identify potential discriminatory outcomes and/or conflicts of听 interest related to a product or service (including those offered through third or fourth parties,听 and especially where automated systems are being used,) and steps are taken to mitigate听 that risk.
  • The 鈥渞easonableness鈥� of certain fees or material statements of fact can be substantiated听 (e.g., 鈥渢angible benefit鈥� to the consumer or investor).
  • Investigations of complaints are 鈥渞easonable鈥� and pursue timely resolutions.
• Fraud: Continued regulatory focus on fraud, identity theft, and other scams (e.g., crypto- or听 payment-related scams) as costs to consumers and consumer complaints increase. Areas of听 regulatory focus will include:
  • Fraud models, operations/errors, and investigations processes.
  • Insider misconduct and corruption.
  • Consumer protection laws and regulations; consumer complaints, claims, disputes, and听 account/transaction freezes.
  • Cybersecurity risk management (including synthetic identity fraud).

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