{
  "edition": "2026-07-04",
  "generatedAt": "2026-07-04 21:30 UTC",
  "windowDays": 7,
  "kpis": {
    "material": 15,
    "themes": 5,
    "sources": 9,
    "coverage": "5 of 8"
  },
  "bottomLine": "The clearest trigger this week is “EBA E-mail alert 3 July, 2026” from EBA (guidance). Material signals span 5 of 8 watch themes. 2 open consultations remain open to influence — prioritise responses.",
  "horizon": [
    {
      "date": "2026-08-21",
      "band": "31-60",
      "daysLeft": 48,
      "title": "FCA publishes consultation paper on simplifying consumer investment disclosures",
      "source": "Regulation Tomorrow (Norton Rose)",
      "url": "https://www.regulationtomorrow.com/2026/07/fca-publishes-consultation-paper-on-simplifying-consumer-investment-disclosures/",
      "prompts": {
        "owner": "Who assesses applicability?",
        "action": "Assess applicability and brief the relevant committee.",
        "evidence": "Applicability note in the next risk committee pack."
      }
    },
    {
      "date": "2026-09-20",
      "band": "61-90",
      "daysLeft": 78,
      "title": "AMLA consults on draft ITS on the format for reporting suspicions and providing transaction records",
      "source": "Regulation Tomorrow (Norton Rose)",
      "url": "https://www.regulationtomorrow.com/2026/07/amla-consults-on-draft-its-on-the-format-for-reporting-suspicions-and-providing-transaction-records/",
      "prompts": {
        "owner": "Who assesses applicability?",
        "action": "Assess applicability and brief the relevant committee.",
        "evidence": "Applicability note in the next risk committee pack."
      }
    },
    {
      "date": "2027-01-01",
      "band": "90+",
      "daysLeft": 181,
      "title": "Draft SI: The Overseas Prudential Requirements Regime (Credit Institutions and Investment Firms) Regulations 2026",
      "source": "Regulation Tomorrow (Norton Rose)",
      "url": "https://www.regulationtomorrow.com/2026/07/draft-si-the-overseas-prudential-requirements-regime-credit-institutions-and-investment-firms-regulations-2026/",
      "prompts": {
        "owner": "Who assesses applicability?",
        "action": "Assess applicability and brief the relevant committee.",
        "evidence": "Applicability note in the next risk committee pack."
      }
    }
  ],
  "signals": [
    {
      "title": "EBA E-mail alert 3 July, 2026",
      "url": "https://www.eba.europa.eu/node/19812",
      "source": "EBA",
      "sourceStatus": "approved",
      "date": "2026-07-03",
      "type": "guidance",
      "riskAreas": [
        "balance-sheet",
        "market-plumbing"
      ],
      "why": "A guidance from EBA touching balance-sheet, market-plumbing. Review before 2026-08-03.",
      "score": 1.305,
      "deadline": null,
      "also": []
    },
    {
      "title": "EIOPA consults on enhancements to insurance corporate disclosures under EU Taxonomy for environmentally sustainable activities",
      "url": "https://www.eiopa.europa.eu/eiopa-consults-enhancements-insurance-corporate-disclosures-under-eu-taxonomy-environmentally-2026-07-01_en",
      "source": "EIOPA",
      "sourceStatus": "approved",
      "date": "2026-07-01",
      "type": "consultation",
      "riskAreas": [
        "customer-outcomes",
        "market-plumbing"
      ],
      "why": "A consultation from EIOPA touching customer-outcomes, market-plumbing. Review before 2026-08-03.",
      "score": 1.232,
      "deadline": null,
      "also": []
    },
    {
      "title": "EBA E-mail alert 1 July, 2026",
      "url": "https://www.eba.europa.eu/node/19806",
      "source": "EBA",
      "sourceStatus": "approved",
      "date": "2026-07-01",
      "type": "consultation",
      "riskAreas": [
        "customer-outcomes"
      ],
      "why": "A consultation from EBA touching customer-outcomes. Review before 2026-08-03.",
      "score": 1.09,
      "deadline": null,
      "also": []
    },
    {
      "title": "Commission adopts revised sustainability reporting standards to reduce administrative burdens for EU businesses while maintaining high-quality disclosures",
      "url": "https://finance.ec.europa.eu/news/commission-adopts-revised-sustainability-reporting-standards-reduce-administrative-burdens-eu-2026-07-03_en",
      "source": "EU Commission, Financial Stability",
      "sourceStatus": "approved",
      "date": "2026-07-03",
      "type": "other",
      "riskAreas": [
        "customer-outcomes",
        "market-plumbing"
      ],
      "why": "A other from EU Commission, Financial Stability touching customer-outcomes, market-plumbing. Review before 2026-08-03.",
      "score": 0.936,
      "deadline": null,
      "also": []
    },
    {
      "title": "Corporate report: Whole of Government Accounts 2025 to 2026: guidance for preparers",
      "url": "https://www.gov.uk/government/publications/whole-of-government-accounts-2025-to-2026-guidance-for-preparers",
      "source": "HM Treasury",
      "sourceStatus": "approved",
      "date": "2026-06-30",
      "type": "guidance",
      "riskAreas": [
        "market-plumbing"
      ],
      "why": "A guidance from HM Treasury touching market-plumbing. Review before 2026-08-03.",
      "score": 0.755,
      "deadline": null,
      "also": []
    },
    {
      "title": "FINMA concludes proceedings against Swiss Fund Management AG in liquidation and BZ Berater Zentrum AG and enforces rules of conduct in the financial services sector",
      "url": "https://www.finma.ch/en/news/2026/06/20260629-mm-durchsetzung-verhaltensregeln/",
      "source": "Swiss FINMA",
      "sourceStatus": "approved",
      "date": "2026-06-29",
      "type": "enforcement",
      "riskAreas": [
        "customer-outcomes"
      ],
      "why": "A enforcement from Swiss FINMA touching customer-outcomes. Review before 2026-08-03.",
      "score": 0.747,
      "deadline": null,
      "also": []
    },
    {
      "title": "EBA E-mail alert 2 July, 2026",
      "url": "https://www.eba.europa.eu/node/19810",
      "source": "EBA",
      "sourceStatus": "approved",
      "date": "2026-07-02",
      "type": "other",
      "riskAreas": [
        "customer-outcomes"
      ],
      "why": "A other from EBA touching customer-outcomes. Review before 2026-08-03.",
      "score": 0.745,
      "deadline": null,
      "also": []
    },
    {
      "title": "MiCA: Transition period for virtual asset service providers ended on 1 July 2026",
      "url": "https://www.cssf.lu/en/2026/07/mica-transition-period-for-virtual-asset-service-providers-ended-on-1-july-2026/",
      "source": "CSSF (Luxembourg)",
      "sourceStatus": "approved",
      "date": "2026-07-02",
      "type": "other",
      "riskAreas": [
        "digital-money"
      ],
      "why": "A other from CSSF (Luxembourg) touching digital-money. Review before 2026-08-03.",
      "score": 0.745,
      "deadline": null,
      "also": []
    },
    {
      "title": "Policy paper: FSCS Annual Report and Accounts and Class Statements 2025/26",
      "url": "https://www.gov.uk/government/publications/fscs-annual-report-and-accounts-and-class-statements-202526",
      "source": "HM Treasury",
      "sourceStatus": "approved",
      "date": "2026-07-02",
      "type": "other",
      "riskAreas": [
        "market-plumbing"
      ],
      "why": "A other from HM Treasury touching market-plumbing. Review before 2026-08-03.",
      "score": 0.745,
      "deadline": null,
      "also": []
    },
    {
      "title": "Corporate report: PWLB annual report and accounts 2025 to 2026",
      "url": "https://www.gov.uk/government/publications/pwlb-annual-report-and-accounts-2025-to-2026",
      "source": "HM Treasury",
      "sourceStatus": "approved",
      "date": "2026-07-02",
      "type": "other",
      "riskAreas": [
        "market-plumbing"
      ],
      "why": "A other from HM Treasury touching market-plumbing. Review before 2026-08-03.",
      "score": 0.745,
      "deadline": null,
      "also": []
    },
    {
      "title": "Policy paper: National Payments Vision",
      "url": "https://www.gov.uk/government/publications/national-payments-vision",
      "source": "HM Treasury",
      "sourceStatus": "approved",
      "date": "2026-07-02",
      "type": "other",
      "riskAreas": [
        "digital-money"
      ],
      "why": "A other from HM Treasury touching digital-money. Review before 2026-08-03.",
      "score": 0.745,
      "deadline": null,
      "also": []
    },
    {
      "title": "EIOPA peer review follow-up shows progress in product oversight and governance supervision",
      "url": "https://www.eiopa.europa.eu/eiopa-peer-review-follow-shows-progress-product-oversight-and-governance-supervision-2026-06-30_en",
      "source": "EIOPA",
      "sourceStatus": "approved",
      "date": "2026-06-30",
      "type": "other",
      "riskAreas": [
        "boardroom-and-accountability",
        "market-plumbing"
      ],
      "why": "A other from EIOPA touching boardroom-and-accountability, market-plumbing. Review before 2026-08-03.",
      "score": 0.682,
      "deadline": null,
      "also": []
    },
    {
      "title": "Communication to market participants on the application of the ESG Ratings Regulation and the new disclosure requirements under the SFDR",
      "url": "https://www.cssf.lu/en/2026/07/communication-to-market-participants-on-the-application-of-the-esg-ratings-regulation-and-the-new-disclosure-requirements-under-the-sfdr/",
      "source": "CSSF (Luxembourg)",
      "sourceStatus": "approved",
      "date": "2026-07-01",
      "type": "other",
      "riskAreas": [
        "customer-outcomes"
      ],
      "why": "A other from CSSF (Luxembourg) touching customer-outcomes. Review before 2026-08-03.",
      "score": 0.671,
      "deadline": null,
      "also": []
    },
    {
      "title": "Statutory guidance: Reference documents for The Customs (Reliefs from a Liability to Import Duty and Miscellaneous Amendments) (EU Exit) Regulations 2020",
      "url": "https://www.gov.uk/government/publications/reference-documents-for-the-customs-reliefs-from-a-liability-to-import-duty-and-miscellaneous-amendments-eu-exit-regulations-2020",
      "source": "HM Treasury",
      "sourceStatus": "approved",
      "date": "2026-06-30",
      "type": "guidance",
      "riskAreas": [],
      "why": "A guidance from HM Treasury touching general regulatory. Review before 2026-08-03.",
      "score": 0.656,
      "deadline": null,
      "also": []
    },
    {
      "title": "Statutory guidance: Reference Documents for The Customs (Tariff Quotas) (EU Exit) Regulations 2020",
      "url": "https://www.gov.uk/government/publications/reference-documents-for-the-customs-tariff-quotas-eu-exit-regulations-2020",
      "source": "HM Treasury",
      "sourceStatus": "approved",
      "date": "2026-06-30",
      "type": "guidance",
      "riskAreas": [],
      "why": "A guidance from HM Treasury touching general regulatory. Review before 2026-08-03.",
      "score": 0.656,
      "deadline": null,
      "also": []
    }
  ],
  "warnings": [
    {
      "type": "source-health",
      "severity": "low",
      "message": "32 approved/pilot source(s) did not return usable items this run (error, empty, or pending-scraper): acpr, adgm-fsra, afm-nl, amf, bafin, bdl, boe-fpc, bundesbank, cbb-bahrain, cbi, cbn-nigeria, cert-eu, dfsa, dg-tresor, ec-ai, ec-comp-digital, edpb, enisa, ep-econ, esrb, eu-council, fatf, fos, iosco, nca, nis-coop, oecd-df, ofcom, psr, sama, sarb, snb.",
      "sourceIds": [
        "acpr",
        "adgm-fsra",
        "afm-nl",
        "amf",
        "bafin",
        "bdl",
        "boe-fpc",
        "bundesbank",
        "cbb-bahrain",
        "cbi",
        "cbn-nigeria",
        "cert-eu",
        "dfsa",
        "dg-tresor",
        "ec-ai",
        "ec-comp-digital",
        "edpb",
        "enisa",
        "ep-econ",
        "esrb",
        "eu-council",
        "fatf",
        "fos",
        "iosco",
        "nca",
        "nis-coop",
        "oecd-df",
        "ofcom",
        "psr",
        "sama",
        "sarb",
        "snb"
      ]
    },
    {
      "type": "quiet-theme",
      "severity": "low",
      "message": "No material signal touched 'crime-and-sanctions' this edition, and fatf (mapped to this theme) did not return usable items — treat this as a possible coverage gap, not confirmed as a genuinely quiet week for the theme.",
      "riskArea": "crime-and-sanctions",
      "affectedSourceIds": [
        "fatf"
      ]
    },
    {
      "type": "quiet-theme",
      "severity": "low",
      "message": "No material signal touched 'digital-resilience' this edition, and enisa (mapped to this theme) did not return usable items — treat this as a possible coverage gap, not confirmed as a genuinely quiet week for the theme.",
      "riskArea": "digital-resilience",
      "affectedSourceIds": [
        "enisa"
      ]
    },
    {
      "type": "quiet-theme",
      "severity": "low",
      "message": "No material signal touched 'ai-and-models' this edition, and ec-ai (mapped to this theme) did not return usable items — treat this as a possible coverage gap, not confirmed as a genuinely quiet week for the theme.",
      "riskArea": "ai-and-models",
      "affectedSourceIds": [
        "ec-ai"
      ]
    }
  ]
}