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Customers, culture and behaviours

Customers, culture and behaviours

Regulatory priorities on culture and conduct issues tend to change according to prevailing political and social concerns. These currently center on acting fairly towards customers in general, and regarding incentives and remuneration in particular. There also remains a strong focus on how firms govern their business operations.


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30 October - EBA publishes criteria for assessing the suitability of key individuals

18 August - IOSCO reports on progress in the protection of clients assets

26 Jun - Industry concerned about ESMA’s latest MiFID II Q&As

26 Jun - ESMA final guidelines on product governance and target market

26 Jun - Culture and misconduct

27 Feb - Insurance distribution: the next steps to 2018

27 Feb - ESMA commits to extensive programme on supervisory convergence

27 Feb - EIOPA priorities


Jan 23 - Agreement on a meaningful product disclosure document remains elusive

Jan 23 - Regulatory response to automated advice tools still under discussion

Dec 15 - Fund costs and charges come under increased scrutiny

Oct 13 - How to identify a product’s target market?

Oct 13 - IOSCO continues to focus on good practice for Investment Funds

Oct 13 - ESMA consults on asset segregation practice by fund depositaries

Jul 18 - Next level of detail on the Insurastrnce Diibution Directive (IDD)

Jul 18 - European Commission proposes improvements for Venture Capital funds

Jun 21 - Tackling national barriers to cross border distribution of investment funds

May 26 - MiFID II reaches critical stage

Apr 25 - ESMA proposes a principles-based framework for UCITS share classes

Apr 25 - Fund managers’ remuneration: Navigating multiple rules

Apr 25 - ESAs submit final wide-ranging PRIIP KID rules: Can the industry achieve the deadline?

Apr 25 - iMFID moves forward

Apr 22 - ESMA consults on draft guidelines for commodity and spot markets under MAR

Apr 22 - Preparing for MAR and MiFID II: Capitalising on the Synergies

Mar 23 - MiFID II and IID: Identifying the target market for a product

Mar 23 - Capital Markets Union: Retail financial services under the spotlight

Feb 29 - ESMA releases findings on ‘closet’ index tracking funds

Feb 29 - Ongoing attempts to harmonize the regulation of cross-selling practices

Feb 29 - ESMA continues to review third countries for the Alternative Investment Fund Managers Directive (AIFMD) passport

Apr 28 - Major reduction in scope of ESA guidelines on cross-selling practices

Jan 31 - MiFID II/MiFIR: state-of-play


Dec 18 - The ESAs consult for the final time on the rules for the PRIIP KID

Nov 5 - Approaching the crossroads of conduct and culture: Improving culture in the financial services industry

Nov 27 - MiFID – The clock is still ticking

Jul 28 - Fees and expenses for investment funds – IOSCO contributes to the transparency debate

Jul 28 - ESA consultation delves into technical methodologies for PRIIP disclosures

Jul 28 - ESMA’s final MiFID II/MiFIR Technical Standards provide administrative clarity for third country firms

Jun 22 - Raising Market Standards – UK published final report on Fair and Effective Markets Review

May 20 - Clock still ticks on MiFID II despite delay

Mar 25 - MiFID: a new approach required to product governance, for all types of firms

Feb 27 - MiFID: which products are 'complex' and why does it matter?

Feb 27 - MiFID II / MiFIR: prepare now for the new transaction reporting requirements

Jan 20 - MiFID: Disclosure of Costs and Charges – facts vs. estimates, and conflicting rules

Jan 20 - MiFID 2: New rules on inducements: a step back by ESMA, but still a significant impact

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