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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n2gbdni5.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-scene nx-es-scene\" data-scene=\"text\" data-ground=\"none\" data-es-org=\"gra\" aria-labelledby=\"nx-scene-title\"><div class=\"nx-scene-intro nx-es-intro\"><p class=\"nx-eyebrow\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr> \u00b7 Financial Regulation Nexus<\/p><span class=\"nx-scene-rule\" aria-hidden=\"true\"><\/span><p class=\"nx-scene-accent nx-es-sig\"><strong>Spatial finance<\/strong><span>Where capital meets hazard, exposure and transition<\/span><\/p><h1 id=\"nx-scene-title\" class=\"nx-scene-title\">Financial Regulation Nexus<\/h1><p class=\"nx-scene-lede\">Financial regulation and supervision research, with explicit distinction from regulators and their authority. Financial Regulation Nexus is an established platform of The Global Risks Alliance.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/about\/\">Open Industry scope and publisher <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/about\/\">About GRA<\/a><\/div><\/div><dl class=\"nx-scene-stats nx-es-stats\"><div><dt class=\"nx-eyebrow\">STEM methods<\/dt><dd>4<\/dd><dd class=\"nx-scene-stat-note\">Canonical methods this field applies<\/dd><\/div><div><dt class=\"nx-eyebrow\">Topics<\/dt><dd>10<\/dd><dd class=\"nx-scene-stat-note\">Subject pages in the field<\/dd><\/div><div><dt class=\"nx-eyebrow\">Counterparts<\/dt><dd>6<\/dd><dd class=\"nx-scene-stat-note\">Platforms in shared fields across the network<\/dd><\/div><div><dt class=\"nx-eyebrow\">Report series<\/dt><dd>2<\/dd><dd class=\"nx-scene-stat-note\">Reports series it contributes to<\/dd><\/div><\/dl><\/section><section id=\"nx-s-1-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sequence<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">The order things happen in.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"timeline\"><div class=\"nx-hero-rail\"><ol class=\"nx-lv-rail\"><li><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/programmes\/\"><span class=\"nx-lv-rail-k\">01<\/span><span class=\"nx-lv-rail-t\">Question<\/span><span class=\"nx-lv-rail-n\">National, regional or institutional priority<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/\"><span class=\"nx-lv-rail-k\">02<\/span><span class=\"nx-lv-rail-t\">Evidence<\/span><span class=\"nx-lv-rail-n\">STEM foundation of the platform<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/foundry\/\"><span class=\"nx-lv-rail-k\">03<\/span><span class=\"nx-lv-rail-t\">Build<\/span><span class=\"nx-lv-rail-n\">Foundry<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/community\/\"><span class=\"nx-lv-rail-k\">04<\/span><span class=\"nx-lv-rail-t\">Organise<\/span><span class=\"nx-lv-rail-n\">Nexus ecosystem<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/universe\/\"><span class=\"nx-lv-rail-k\">05<\/span><span class=\"nx-lv-rail-t\">Test<\/span><span class=\"nx-lv-rail-n\">Universe (independent site)<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/reports\/\"><span class=\"nx-lv-rail-k\">06<\/span><span class=\"nx-lv-rail-t\">Publish<\/span><span class=\"nx-lv-rail-n\">Reports<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/trust\/\"><span class=\"nx-lv-rail-k\">07<\/span><span class=\"nx-lv-rail-t\">Decide<\/span><span class=\"nx-lv-rail-n\">Competent authorities and institutions, through NXS-RLS (participants, agreements and handoffs)<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/programmes\/\"><span class=\"nx-lv-rail-k\">08<\/span><span class=\"nx-lv-rail-t\">Renew<\/span><span class=\"nx-lv-rail-n\">Corrections and the next annual agenda<\/span><\/a><\/li><\/ol><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"project\" aria-label=\"Frameworks, Monitor, Topics, Scenario model\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Frameworks, Monitor, Topics, Scenario model\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-frameworks\" aria-selected=\"true\" data-key=\"p1\">Frameworks<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-s-3-sec\" aria-selected=\"false\" data-key=\"p2\">Monitor<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-s-4-sec\" aria-selected=\"false\" data-key=\"p3\">Topics<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-4\" aria-controls=\"nx-sec-instrument\" aria-selected=\"false\" data-key=\"p4\">Scenario model<\/button><\/div><section id=\"nx-sec-frameworks\" class=\"nx-section nx-band-panel\" data-hue=\"project\" aria-labelledby=\"nx-s-2\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Frameworks<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">What the work is read against.<\/h2><p class=\"nx-lede\">The platform does not set standards. It reads its evidence against the frameworks that competent bodies have adopted, so a finding can be placed where a decision-maker already works.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Framework or standard<\/th><th scope=\"col\">Body<\/th><th scope=\"col\">What it sets<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Framework or standard\">Core Principles for Effective Banking Supervision and Basel III<\/td><td data-label=\"Body\">Basel Committee on Banking Supervision<\/td><td data-label=\"What it sets\">Minimum standards for supervisory powers and practice, and the capital, leverage and liquidity requirements for internationally active banks<\/td><\/tr><tr><td data-label=\"Framework or standard\">Key Attributes of Effective Resolution Regimes for Financial Institutions<\/td><td data-label=\"Body\">Financial Stability Board<\/td><td data-label=\"What it sets\">Resolution powers, planning and cross-border cooperation so that systemic firms can fail without taxpayer support<\/td><\/tr><tr><td data-label=\"Framework or standard\">Objectives and Principles of Securities Regulation<\/td><td data-label=\"Body\">International Organization of Securities Commissions<\/td><td data-label=\"What it sets\">Principles for regulators, issuers, intermediaries and markets, with an assessment methodology<\/td><\/tr><tr><td data-label=\"Framework or standard\">Insurance Core Principles and ComFrame<\/td><td data-label=\"Body\">International Association of Insurance Supervisors<\/td><td data-label=\"What it sets\">Supervisory standards for insurers and for internationally active insurance groups<\/td><\/tr><tr><td data-label=\"Framework or standard\">FATF Recommendations<\/td><td data-label=\"Body\">Financial Action Task Force<\/td><td data-label=\"What it sets\">Standards against <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h118\" data-tc=\"NHS-1 soc.crime.illicit-finance\" data-tk=\"Society, conflict and economy \u00b7 Organised crime and illicit economies\" data-td=\"Movement of criminal, corrupt or untaxed money across borders through shell firms, trade fraud and digital assets, draining public revenue and shielding abuse.\" data-ts=\"NRS-H118\" data-tr=\"draft\">money laundering<\/a>, terrorist financing and proliferation financing, including for virtual asset providers<\/td><\/tr><tr><td data-label=\"Framework or standard\"><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 macroprudential\" data-tk=\"Nexus risk vocabulary\" data-td=\"Policy aimed at the stability of the financial system as a whole, by limiting the build-up of systemic risk.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Macroprudential policy<\/a> framework and recommendations<\/td><td data-label=\"Body\">European <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 systemic-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk that the failure or disruption of parts of an interconnected system propagates through its dependencies to impair the functioning of the whole, often beyond the sector or place where it began. It arises from\u2026\" data-ts=\"NRS-C1\" data-tr=\"draft\">Systemic Risk<\/a> Board<\/td><td data-label=\"What it sets\">Intermediate objectives, instruments, reciprocity and warnings for system-wide risk in the EU<\/td><\/tr><tr><td data-label=\"Framework or standard\">Digital Operational Resilience Act (DORA)<\/td><td data-label=\"Body\">European Union<\/td><td data-label=\"What it sets\">ICT risk management, incident reporting, resilience testing and oversight of critical ICT third-party providers<\/td><\/tr><tr><td data-label=\"Framework or standard\">Recommendation on Regulatory Policy and Governance and Better Regulation guidelines<\/td><td data-label=\"Body\">OECD and European Commission<\/td><td data-label=\"What it sets\">Regulatory impact assessment, consultation, ex post evaluation and oversight of rule-making quality<\/td><\/tr><tr><td data-label=\"Framework or standard\">Principles for Financial Market Infrastructures<\/td><td data-label=\"Body\">CPMI and IOSCO<\/td><td data-label=\"What it sets\">Risk management and governance standards for payment <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a>, central counterparties and settlement systems<\/td><\/tr><tr><td data-label=\"Framework or standard\">Twin Peaks, integrated and sectoral supervisory models<\/td><td data-label=\"Body\">National legislatures; comparative work by the World Bank and the Group of Thirty<\/td><td data-label=\"What it sets\">Alternative institutional designs for allocating prudential and conduct objectives among authorities<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-s-3-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-3\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Monitor<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Supervisory review console.<\/h2><p class=\"nx-lede\">The screen a team would use to follow this field: its measures, states and decisions. Names are examples and values are illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-regulation-supervision\" data-cx=\"regulation.supervision\" data-variant=\"section\" aria-label=\"Supervisory review console: illustrative console with example names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Supervisory review console<\/h3><p class=\"nx-fk-sub\">Bank supervision \u00b7 Cycle 3<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure&#8217;s values<\/small><\/button><\/li><\/ul><\/div><\/div><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>7 findings overdue<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Financial Regulation Nexus<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"4\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Firms by risk rating<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-regulation-supervision-t0\"><table class=\"nx-fk-table\" data-fk-table=\"cx-regulation-supervision-t0\" aria-label=\"Firms by risk rating\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Firm<\/button><\/th><th scope=\"col\" data-col=\"c1\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Impact<\/button><\/th><th scope=\"col\" data-col=\"c2\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Risk rating<\/button><\/th><th scope=\"col\" data-col=\"c3\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Open findings<\/button><\/th><th scope=\"col\" data-col=\"c4\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c4\">Intensity<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-regulation-supervision:r0-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\" aria-current=\"true\" data-cur=\"true\"><td>Bank B<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>High<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>3<\/span><\/td><td data-num=\"true\" data-sv=\"5\">5<\/td><td>Enhanced<\/td><\/tr><tr data-fk-key=\"cx-regulation-supervision:r0-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Bank D<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Medium<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>2<\/span><\/td><td data-num=\"true\" data-sv=\"2\">2<\/td><td>Standard<\/td><\/tr><tr data-fk-key=\"cx-regulation-supervision:r0-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Insurer Alpha<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>High<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>3<\/span><\/td><td data-num=\"true\" data-sv=\"2\">2<\/td><td>Enhanced<\/td><\/tr><tr data-fk-key=\"cx-regulation-supervision:r0-3\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Fintech F1<\/td><td><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Low<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>2<\/span><\/td><td data-num=\"true\" data-sv=\"2\">2<\/td><td>Light<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"2\" data-t=\"kanban\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Findings<\/h4><\/div><\/div><div class=\"nx-cx-kb\" data-n=\"3\"><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>Open<\/span><span class=\"nx-cx-ref\">01<\/span><\/div><div class=\"nx-cx-card\" data-s=\"watch\"><span class=\"nx-cx-ct\">Model validation gaps<\/span><span class=\"nx-cx-cm\">Bank B<\/span><\/div><\/div><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>Remediating<\/span><span class=\"nx-cx-ref\">01<\/span><\/div><div class=\"nx-cx-card\" data-s=\"live\"><span class=\"nx-cx-ct\">Climate data quality<\/span><span class=\"nx-cx-cm\">Insurer Alpha<\/span><\/div><\/div><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>Closed<\/span><span class=\"nx-cx-ref\">01<\/span><\/div><div class=\"nx-cx-card\" data-s=\"ok\"><span class=\"nx-cx-ct\">Liquidity reporting<\/span><span class=\"nx-cx-cm\">Bank D<\/span><\/div><\/div><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"bullets\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Climate expectations met<\/h4><p class=\"nx-fk-panel-sub\">share of firms, thematic review<\/p><\/div><\/div><div class=\"nx-fk-chart\"><svg class=\"nx-fk-svg\" viewBox=\"0 0 760 120\" width=\"760\" height=\"120\" role=\"img\" focusable=\"false\" preserveAspectRatio=\"xMidYMid meet\" aria-label=\"Climate expectations met\" data-fk-chart=\"bars\"><g data-m=\"row\" data-k=\"r-b0\"><text data-m=\"rlabel\" x=\"142\" y=\"17\" text-anchor=\"end\">Governance, %<\/text><rect data-m=\"bar\" data-k=\"b-b0-v\" data-c=\"acc\" x=\"150\" y=\"4\" width=\"285.6\" height=\"18\"\/><rect data-m=\"bar\" data-k=\"b-b0-r\" data-c=\"rule\" x=\"436.6\" y=\"4\" width=\"73.4\" height=\"18\"\/><text data-m=\"vlabel\" data-k=\"v-b0\" x=\"516\" y=\"17\">80 of 100 required<\/text><rect data-m=\"hit\" x=\"0\" y=\"-1\" width=\"760\" height=\"28\"\/><\/g><g data-m=\"row\" data-k=\"r-b1\"><text data-m=\"rlabel\" x=\"142\" y=\"45\" text-anchor=\"end\">Risk management, %<\/text><rect data-m=\"bar\" data-k=\"b-b1-v\" data-c=\"acc\" x=\"150\" y=\"32\" width=\"195.4\" height=\"18\"\/><rect data-m=\"bar\" data-k=\"b-b1-r\" data-c=\"rule\" x=\"346.4\" y=\"32\" width=\"163.6\" height=\"18\"\/><text data-m=\"vlabel\" data-k=\"v-b1\" x=\"516\" y=\"45\">55 of 100 required<\/text><rect data-m=\"hit\" x=\"0\" y=\"27\" width=\"760\" height=\"28\"\/><\/g><g data-m=\"row\" data-k=\"r-b2\"><text data-m=\"rlabel\" x=\"142\" y=\"73\" text-anchor=\"end\">Scenario analysis, %<\/text><rect data-m=\"bar\" data-k=\"b-b2-v\" data-c=\"acc\" x=\"150\" y=\"60\" width=\"107.8\" height=\"18\"\/><rect data-m=\"bar\" data-k=\"b-b2-r\" data-c=\"rule\" x=\"258.8\" y=\"60\" width=\"251.2\" height=\"18\"\/><text data-m=\"vlabel\" data-k=\"v-b2\" x=\"516\" y=\"73\">30 of 100 required<\/text><rect data-m=\"hit\" x=\"0\" y=\"55\" width=\"760\" height=\"28\"\/><\/g><g data-m=\"row\" data-k=\"r-b3\"><text data-m=\"rlabel\" x=\"142\" y=\"101\" text-anchor=\"end\">Disclosure, %<\/text><rect data-m=\"bar\" data-k=\"b-b3-v\" data-c=\"acc\" x=\"150\" y=\"88\" width=\"201.3\" height=\"18\"\/><rect data-m=\"bar\" data-k=\"b-b3-r\" data-c=\"rule\" x=\"352.3\" y=\"88\" width=\"157.7\" height=\"18\"\/><text data-m=\"vlabel\" data-k=\"v-b3\" x=\"516\" y=\"101\">56 of 100 required<\/text><rect data-m=\"hit\" x=\"0\" y=\"83\" width=\"760\" height=\"28\"\/><\/g><\/svg><\/div><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Supervisory review console: the screen&#8217;s structure, terms and states for Bank supervision.<\/span><span data-honesty=\"true\">Example names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-s-4-sec\" class=\"nx-section nx-band-panel\" data-hue=\"project\" aria-labelledby=\"nx-s-4\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Topics<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">The questions this field works on.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/prudential-regulation\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Prudential regulation<\/h3><p class=\"nx-p nx-mt-1\">Banking and insurance prudential frameworks.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/market-conduct-and-consumer-protection\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Market conduct and consumer protection<\/h3><p class=\"nx-p nx-mt-1\">Disclosure, fairness and protection.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/macroprudential-policy\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Macroprudential policy<\/h3><p class=\"nx-p nx-mt-1\">System-wide buffers and risk controls.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/financial-technology-regulation\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial technology regulation<\/h3><p class=\"nx-p nx-mt-1\">AI, tokenisation and digital services.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/supervisory-data\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Supervisory data<\/h3><p class=\"nx-p nx-mt-1\">Risk data, quality and reporting.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/cross-border-supervision\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Cross-border supervision<\/h3><p class=\"nx-p nx-mt-1\">International standards and cooperation.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/financial-crisis-management\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial crisis management<\/h3><p class=\"nx-p nx-mt-1\">Resolution and contingency policy.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/compliance-and-competition\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Compliance and competition<\/h3><p class=\"nx-p nx-mt-1\">Business league safeguards and lawful coordination.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/financial-conduct-protection\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial regulators and consumer protection<\/h3><p class=\"nx-p nx-mt-1\">Consumer protection, conduct and independent regulatory authority.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/financial-data-disclosure\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial data disclosure<\/h3><p class=\"nx-p nx-mt-1\">Prudential source quality, disclosures and reporting standards.<\/p><\/a><\/div><\/div><\/div><\/section><section id=\"nx-sec-instrument\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-ns-layout=\"es-wide\" aria-labelledby=\"nx-s-5\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Scenario model<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Policy paths and what they do to the risk.<\/h2><p class=\"nx-lede\">How three families of instruments change a risk outcome over time with adoption lags, coverage and compliance, the policy scenarios behind transition and physical risk assessments. Scenario: named assumptions about the future, not a forecast.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-in nx-fk\" id=\"nx-in-financial-regulations-nexus-0\" data-nxi=\"policy\" data-nxi-id=\"policy\" data-nxi-z=\"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\" aria-label=\"Policy paths and what they do to the risk\"><div class=\"nx-in-body\"><div class=\"nx-in-main\"><div class=\"nx-in-tabs\" data-nxi-tabs=\"true\" aria-label=\"Views of the model\" hidden><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"result\">Result<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"fan\">Uncertainty<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"tornado\">Sensitivity<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"loops\">Loops<\/button><\/div><div class=\"nx-in-stage\" id=\"nx-in-financial-regulations-nexus-0-stage\" data-nxi-stage=\"true\" data-view=\"result\"><svg class=\"nx-in-svg\" viewBox=\"0 0 720 340\" role=\"img\" aria-label=\"Outcome by option\" data-nx-z=\"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\"><\/svg><\/div><p class=\"nx-in-tip\" data-nxi-tip=\"true\" aria-live=\"polite\"><\/p><div class=\"nx-in-bar\" data-nxi-bar=\"true\" role=\"group\" aria-label=\"Play over time\" hidden><button type=\"button\" class=\"nx-in-btn\" data-nxi-prev=\"true\" aria-label=\"Step back\">&#8249;<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-play=\"true\" aria-pressed=\"false\">Play<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-next=\"true\" aria-label=\"Step forward\">&#8250;<\/button><span class=\"nx-in-step\" data-nxi-step=\"true\" aria-live=\"polite\"><\/span><\/div><\/div><div class=\"nx-in-side\"><p class=\"nx-eyebrow\">Controls<\/p><div class=\"nx-in-ctl\" data-nxi-ctl=\"true\"><dl class=\"nx-in-pv\"><div><dt>Baseline trend of the outcome<\/dt><dd>2.0% a year<\/dd><\/div><div><dt>Coverage of the instrument<\/dt><dd>70%<\/dd><\/div><div><dt>Compliance<\/dt><dd>75%<\/dd><\/div><div><dt>Effect size, against the teaching value<\/dt><dd>100%<\/dd><\/div><div><dt>Years ahead<\/dt><dd>20 years<\/dd><\/div><\/dl><\/div><p class=\"nx-eyebrow\">Readouts<\/p><dl class=\"nx-in-out\" data-nxi-out=\"true\" aria-live=\"polite\"><div><dt>Largest reduction at the horizon<\/dt><dd>Regulation<\/dd><\/div><div><dt>Its reduction against the baseline<\/dt><dd>21%<\/dd><\/div><\/dl><\/div><\/div><details class=\"nx-in-more\"><summary>Numbers, methods and sources<\/summary><div class=\"nx-in-more-in\"><div class=\"nx-in-tblw\" data-nxi-table=\"true\"><table class=\"nx-in-tbl\"><thead><tr><th scope=\"col\">Year<\/th><th scope=\"col\">Baseline<\/th><th scope=\"col\">Regulation<\/th><th scope=\"col\">Economic incentive<\/th><th scope=\"col\">Information and capacity<\/th><\/tr><\/thead><tbody><tr><th scope=\"row\">0<\/th><td>100.0<\/td><td>99.5<\/td><td>98.8<\/td><td>99.1<\/td><\/tr><tr><th scope=\"row\">1<\/th><td>102.0<\/td><td>101.2<\/td><td>100.1<\/td><td>99.8<\/td><\/tr><tr><th scope=\"row\">2<\/th><td>104.0<\/td><td>102.5<\/td><td>101.1<\/td><td>99.9<\/td><\/tr><tr><th scope=\"row\">3<\/th><td>106.1<\/td><td>103.5<\/td><td>101.6<\/td><td>100.0<\/td><\/tr><tr><th scope=\"row\">4<\/th><td>108.2<\/td><td>103.7<\/td><td>101.8<\/td><td>100.7<\/td><\/tr><tr><th scope=\"row\">5<\/th><td>110.4<\/td><td>103.2<\/td><td>101.7<\/td><td>102.1<\/td><\/tr><tr><th scope=\"row\">6<\/th><td>112.6<\/td><td>102.0<\/td><td>101.6<\/td><td>103.9<\/td><\/tr><tr><th scope=\"row\">7<\/th><td>114.9<\/td><td>100.4<\/td><td>101.6<\/td><td>105.9<\/td><\/tr><tr><th scope=\"row\">8<\/th><td>117.2<\/td><td>99.2<\/td><td>102.1<\/td><td>108.0<\/td><\/tr><tr><th scope=\"row\">9<\/th><td>119.5<\/td><td>98.6<\/td><td>102.9<\/td><td>110.1<\/td><\/tr><tr><th scope=\"row\">10<\/th><td>121.9<\/td><td>98.9<\/td><td>104.2<\/td><td>112.3<\/td><\/tr><tr><th scope=\"row\">11<\/th><td>124.3<\/td><td>99.7<\/td><td>105.7<\/td><td>114.5<\/td><\/tr><tr><th scope=\"row\">12<\/th><td>126.8<\/td><td>101.1<\/td><td>107.4<\/td><td>116.8<\/td><\/tr><tr><th scope=\"row\">13<\/th><td>129.4<\/td><td>102.7<\/td><td>109.4<\/td><td>119.2<\/td><\/tr><tr><th scope=\"row\">14<\/th><td>131.9<\/td><td>104.5<\/td><td>111.4<\/td><td>121.6<\/td><\/tr><tr><th scope=\"row\">15<\/th><td>134.6<\/td><td>106.5<\/td><td>113.5<\/td><td>124.0<\/td><\/tr><tr><th scope=\"row\">16<\/th><td>137.3<\/td><td>108.5<\/td><td>115.7<\/td><td>126.5<\/td><\/tr><tr><th scope=\"row\">17<\/th><td>140.0<\/td><td>110.7<\/td><td>118.0<\/td><td>129.0<\/td><\/tr><tr><th scope=\"row\">18<\/th><td>142.8<\/td><td>112.9<\/td><td>120.4<\/td><td>131.6<\/td><\/tr><tr><th scope=\"row\">19<\/th><td>145.7<\/td><td>115.1<\/td><td>122.8<\/td><td>134.2<\/td><\/tr><tr><th scope=\"row\">20<\/th><td>148.6<\/td><td>117.4<\/td><td>125.2<\/td><td>136.9<\/td><\/tr><\/tbody><\/table><\/div><button type=\"button\" class=\"nx-in-btn\" data-nxi-csv=\"true\" hidden>Download the numbers (CSV)<\/button><h4 class=\"nx-h4\">Methods<\/h4><ol class=\"nx-in-meth\"><li>Tools of government <span class=\"nx-in-cite\">Hood (1983), The Tools of Government, Macmillan<\/span><\/li><li>Carrots, sticks and sermons <span class=\"nx-in-cite\">Bemelmans-Videc, Rist and Vedung (1998), Transaction<\/span><\/li><li>Diffusion of innovations <span class=\"nx-in-cite\">Rogers (2003), Diffusion of Innovations, Free Press<\/span><\/li><li>Uncertainty fan (parameter Monte Carlo) <span class=\"nx-in-cite\">Spiegelhalter, Pearson and Short (2011), Visualising uncertainty about the future, Science 333<\/span><\/li><li>One-at-a-time sensitivity (tornado) <span class=\"nx-in-cite\">Saltelli and others (2008), Global Sensitivity Analysis: The Primer, Wiley<\/span><\/li><\/ol><h4 class=\"nx-h4\">Data<\/h4><p class=\"nx-p\">The model runs on the teaching values set by the controls. To calibrate it for a place, read it against these admitted layers and series, which this page&#8217;s map can draw:<\/p><ul class=\"nx-in-src\"><li>Borders <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><li>Cities <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><\/ul><\/div><\/details><figcaption class=\"nx-caption\">Policy paths and what they do to the risk. Illustrative teaching model: it runs on the values set by the controls, not on measured data. Methods: Tools of government (Hood (1983), The Tools of Government, Macmillan); Carrots, sticks and sermons (Bemelmans-Videc, Rist and Vedung (1998), Transaction); Diffusion of innovations (Rogers (2003), Diffusion of Innovations, Free Press).<\/figcaption><div class=\"nx-in-pls\"><p class=\"nx-eyebrow\">Across the six pillars, led by Nexus Consortium<\/p><ul class=\"nx-in-pl\" aria-label=\"Where this instrument connects across the pillars\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Experiments<\/span> <a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Built in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/foundry\/\">Financial Regulation Nexus in Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Tested at<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/universe\/\">Financial Regulation Nexus in Universe<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Codified in<\/span> <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/\">Finance, Insurance and the Economy in Standards<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Published in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/reports\/\">Financial Regulation Nexus in Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Taught in<\/span> <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/finance-economics\/\">Faculty of Finance and Economics in Academy<\/a><\/li><\/ul><\/div><span class=\"nx-in-keep\" hidden><i data-c=\"c1\"><\/i><i data-c=\"c2\"><\/i><i data-c=\"c3\"><\/i><i data-c=\"c4\"><\/i><i data-c=\"c5\"><\/i><i data-c=\"c6\"><\/i><i data-c=\"l0\"><\/i><i data-c=\"l1\"><\/i><i data-c=\"l2\"><\/i><i data-c=\"l3\"><\/i><i data-c=\"l5\"><\/i><i data-c=\"h3\"><\/i><i data-c=\"neg\"><\/i><i data-c=\"on0\"><\/i><i data-c=\"on1\"><\/i><i data-l=\"0\"><\/i><i data-l=\"1\"><\/i><i data-l=\"2\"><\/i><i data-l=\"3\"><\/i><i data-l=\"4\"><\/i><i data-l=\"5\"><\/i><i data-on=\"0\"><\/i><i data-on=\"1\"><\/i><i data-pol=\"p\"><\/i><i data-pol=\"n\"><\/i><i data-k=\"R\"><\/i><i data-k=\"B\"><\/i><i data-k=\"dash\"><\/i><i data-dash=\"true\"><\/i><i data-view=\"result\"><\/i><i data-nxi-live=\"on\"><\/i><i data-nxi-live=\"off\"><\/i><i class=\"nx-in-svg nx-in-grid nx-in-ax nx-in-tk nx-in-at nx-in-ln nx-in-band nx-in-lbl nx-in-lk nx-in-ref nx-in-reft nx-in-mk nx-in-x nx-in-rect nx-in-val nx-in-rowl nx-in-cl nx-in-arrow nx-in-pol nx-in-cln nx-in-loop nx-in-edge nx-in-node nx-in-nl nx-in-reach nx-in-trib nx-in-agent nx-in-flow nx-in-legend nx-in-sw nx-in-note nx-in-loops nx-in-3d nx-in-cv nx-in-field nx-in-fl nx-in-fv nx-in-range nx-in-btn nx-in-err nx-in-tbl nx-in-cite\"><\/i><\/span><\/figure><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-tone=\"alt\" data-hue=\"project\" aria-label=\"Cycle, Exposure, loss and capital, Overview, The problem\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Cycle, Exposure, loss and capital, Overview, The problem\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-cycle\" aria-selected=\"true\" data-key=\"p1\">Cycle<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-sec-audience\" aria-selected=\"false\" data-key=\"p2\">Exposure, loss and capital<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-sec-overview\" aria-selected=\"false\" data-key=\"p3\">Overview<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-4\" aria-controls=\"nx-sec-the-problem\" aria-selected=\"false\" data-key=\"p4\">The problem<\/button><\/div><section id=\"nx-sec-cycle\" class=\"nx-section nx-band-panel\" data-hue=\"project\" data-variant=\"stack\" aria-labelledby=\"nx-s-6\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Cycle<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">How work moves in this field.<\/h2><p class=\"nx-lede\">A question becomes evidence, a governed build, an organised community, a controlled test, a reviewed publication and, finally, a decision taken by the competent authority under its own rules.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cycle-lanes\"><ol class=\"nx-pl-list\"><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Question<\/strong> <span class=\"nx-pl-in\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/universe\">Universe<\/a><\/span> National, regional or institutional priority. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/programmes\/\">Question in Financial Regulation Nexus<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Evidence<\/strong> <span class=\"nx-pl-in\">Foundry<\/span> STEM foundation of the platform. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/\">Evidence in Financial Regulation Nexus<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Build<\/strong> <span class=\"nx-pl-in\">Foundry<\/span> Foundry. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/foundry\/\">Build in Financial Regulation Nexus<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Organise<\/strong> <span class=\"nx-pl-in\">Universe<\/span> <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/organization\/architecture\/ii.-definitions\/i.-nexus-ecosystem\" data-tc=\"Nexus Ecosystem\" data-tk=\"Nexus Standards\" data-td=\"The whole of the institutions, pillars, systems and communities\">Nexus ecosystem<\/a>. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/community\/\">Organise in Financial Regulation Nexus<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Test<\/strong> <span class=\"nx-pl-in\">Universe<\/span> Universe (independent site). <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/universe\/\">Test in Financial Regulation Nexus<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Publish<\/strong> <span class=\"nx-pl-in\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a><\/span> Reports. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/reports\/\">Publish in Financial Regulation Nexus<\/a><\/li><li data-pillar=\"authority\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Decide<\/strong> <span class=\"nx-pl-in\">Competent authority<\/span> Competent authorities and institutions, through <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s18\" data-tc=\"NXS-RLS\" data-tk=\"Nexus system\" data-td=\"Participants, agreements and handoffs\" data-ts=\"NRS-S18\">NXS-RLS<\/a>. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/trust\/\">Decide in Financial Regulation Nexus<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Renew<\/strong> <span class=\"nx-pl-in\">Universe<\/span> Corrections and the next annual agenda. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/programmes\/\">Renew in Financial Regulation Nexus<\/a><\/li><\/ol><p class=\"nx-caption\"><span>Each step of the cycle in the pillar it runs in; the decision stays with the competent authority, outside the programme.<\/span><\/p><ul class=\"nx-pl-legend\" aria-label=\"Pillars\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-foundry\/\">Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/universe.nexus\/\">Universe<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/\">Nexus Standards<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-reports\/\">Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/\">Risk Academy<\/a><\/li><li data-pillar=\"authority\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span>Competent authority (outside the programme)<\/li><\/ul><\/div><\/div><\/div><\/section><section id=\"nx-sec-audience\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-7\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Exposure, loss and capital<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">What Financial Regulation Nexus means for exposure, loss and capital.<\/h2><p class=\"nx-lede\">The exposure, loss, scenario and capital views a risk officer, supervisor or ministry of finance would ask for, with the frameworks they report against. Structures follow supervisory and actuarial practice. Values are illustrative: never prices, ratings or advice.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-au\" data-au-voice=\"finance\" data-au-n=\"2\"><figure class=\"nx-au-c\" data-au-fig=\"disclosure-crosswalk\"><h3 class=\"nx-h4\">Disclosure crosswalk<\/h3><p class=\"nx-p nx-au-what\">Where evidence on Financial Regulation Nexus fits the disclosure and prudential frameworks institutions report against.<\/p><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Pillar<\/th><th scope=\"col\">TCFD<\/th><th scope=\"col\">ISSB IFRS S2<\/th><th scope=\"col\">Prudential (BCBS, IAIS)<\/th><th scope=\"col\">Evidence this page can hold<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Pillar\">Governance<\/td><td data-label=\"TCFD\">Board oversight of climate-related risks<\/td><td data-label=\"ISSB IFRS S2\">Governance requirements<\/td><td data-label=\"Prudential (BCBS, IAIS)\">Governance and risk appetite principles<\/td><td data-label=\"Evidence this page can hold\">Who owns the risk and how it is escalated<\/td><\/tr><tr><td data-label=\"Pillar\">Strategy<\/td><td data-label=\"TCFD\">Risks, opportunities and resilience<\/td><td data-label=\"ISSB IFRS S2\">Scenario analysis and resilience<\/td><td data-label=\"Prudential (BCBS, IAIS)\">Strategy and business model principles<\/td><td data-label=\"Evidence this page can hold\">Scenario design and transmission paths<\/td><\/tr><tr><td data-label=\"Pillar\">Risk management<\/td><td data-label=\"TCFD\">Identify, assess, manage<\/td><td data-label=\"ISSB IFRS S2\">Risk management processes<\/td><td data-label=\"Prudential (BCBS, IAIS)\">Internal control and ICAAP or ORSA<\/td><td data-label=\"Evidence this page can hold\">Exposure maps and loss views<\/td><\/tr><tr><td data-label=\"Pillar\">Metrics and targets<\/td><td data-label=\"TCFD\">Metrics used and targets set<\/td><td data-label=\"ISSB IFRS S2\">Cross-industry and industry metrics<\/td><td data-label=\"Prudential (BCBS, IAIS)\">Data, metrics and reporting principles<\/td><td data-label=\"Evidence this page can hold\">Indicator definitions and units<\/td><\/tr><\/tbody><\/table><\/div><figcaption class=\"nx-caption\"><span>Sources: the TCFD recommendations, ISSB IFRS S2 and the BCBS and IAIS principles, cited by name; the framework texts are the authority. A crosswalk by pillar. It is not a compliance assessment.<\/span><\/figcaption><\/figure><figure class=\"nx-au-c\" data-au-fig=\"transmission\"><h3 class=\"nx-h4\">Transmission channels<\/h3><p class=\"nx-p nx-au-what\">How a shock in Financial Regulation Nexus reaches credit, market, underwriting, liquidity and operational risk, and feeds back.<\/p><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 268\" role=\"img\" aria-label=\"Transmission channels from shocks through micro and macro channels to financial risks\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><figcaption class=\"nx-caption\"><span>Channel structure after the Basel Committee&#8217;s work on climate-related risk drivers and transmission channels; links shown are typical paths, not estimated exposures.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-chips nx-au-fw\" aria-label=\"Frameworks cited\"><span class=\"nx-chip\">NGFS climate scenarios \u00b7 Network for Greening the Financial System<\/span><span class=\"nx-chip\">IFRS S2 Climate-related Disclosures \u00b7 ISSB<\/span><span class=\"nx-chip\">TCFD recommendations \u00b7 Financial Stability Board TCFD<\/span><span class=\"nx-chip\">Principles for the effective management of climate-related financial risks \u00b7 Basel Committee on Banking Supervision<\/span><\/div><\/div><\/div><\/section><section id=\"nx-sec-overview\" class=\"nx-section nx-band-panel\" data-hue=\"project\" data-variant=\"split\" aria-labelledby=\"nx-s-8\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Overview<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">What Financial Regulation Nexus does.<\/h2><p class=\"nx-lede\">Financial regulation is the body of rules and supervision that keeps financial firms sound, markets fair and the financial system resilient. Financial Regulation Nexus, the Global Risks Alliance&#8217;s platform for the field, explains how prudential and macroprudential rules, conduct and consumer protection, crisis management, data and disclosure, and cross-border cooperation are designed and tested; it is not a regulator.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Who it serves<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its community<\/h3><p class=\"nx-p nx-mt-1\">Regulatory scholars; supervisors in personal professional capacity; compliance professionals.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M6 18h8\"\/><path d=\"M3 22h18\"\/><path d=\"M14 22a7 7 0 1 0 0-14h-1\"\/><path d=\"M9 14h2\"\/><path d=\"M9 12a2 2 0 0 1-2-2V6h6v4a2 2 0 0 1-2 2Z\"\/><path d=\"M12 6V3a1 1 0 0 0-1-1H9a1 1 0 0 0-1 1v3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">How it works<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its methods<\/h3><p class=\"nx-p nx-mt-1\">Comparative standards; prudential and conduct analysis.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z\"\/><path d=\"M14 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M10 9H8\"\/><path d=\"M16 13H8\"\/><path d=\"M16 17H8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">What it produces<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its outputs<\/h3><p class=\"nx-p nx-mt-1\">Regulation research briefs; supervisory learning material.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-the-problem\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-9\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The problem<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Why finance is regulated, and why regulation keeps changing.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Finance is regulated because its failures do not stay private. Banks transform short-term deposits into long-term loans, which makes them vulnerable to runs; insurers promise to pay claims years in the future; markets depend on accurate information and fair dealing. When a large or interconnected institution fails, losses spread through funding markets, payment <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> and confidence, and the costs fall on depositors, policyholders, taxpayers and the wider economy. Economic research on crises has documented these channels repeatedly.<\/p><p class=\"nx-p\">Regulation responds in layers. Prudential rules require capital, liquidity and sound risk management so that individual firms can absorb losses. Conduct rules protect customers and market integrity. <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 macroprudential\" data-tk=\"Nexus risk vocabulary\" data-td=\"Policy aimed at the stability of the financial system as a whole, by limiting the build-up of systemic risk.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Macroprudential policy<\/a> addresses risks that build across the system, such as credit booms and common exposures. Resolution regimes aim to let failing firms fail without disorder. International standards coordinate these rules across borders, while national authorities apply them.<\/p><p class=\"nx-p\">Each layer has known weaknesses. Rules can be arbitraged by moving activity to less regulated entities or jurisdictions. Complexity can obscure rather than reduce risk. Supervisory data may be late, inconsistent or blind to new exposures. New technologies, from algorithmic trading to digital assets and AI-driven services, test frameworks designed for earlier business models. Climate, cyber and other systemic risks challenge regulators to look beyond the balance sheet. Understanding these tensions is the work of the field.<\/p><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-3\" data-hue=\"project\" aria-label=\"What the platform does, Foundations and counterparts, Coverage, Grounding\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"What the platform does, Foundations and counterparts, Coverage, Grounding\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-1\" aria-controls=\"nx-sec-what-the-platform-does\" aria-selected=\"true\" data-key=\"p1\">What the platform does<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-2\" aria-controls=\"nx-sec-foundations-and-counterparts\" aria-selected=\"false\" data-key=\"p2\">Foundations and counterparts<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-3\" aria-controls=\"nx-sec-areas\" aria-selected=\"false\" data-key=\"p3\">Coverage<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-4\" aria-controls=\"nx-sec-grounding\" aria-selected=\"false\" data-key=\"p4\">Grounding<\/button><\/div><section id=\"nx-sec-what-the-platform-does\" class=\"nx-section nx-band-panel\" data-hue=\"project\" data-variant=\"stack\" aria-labelledby=\"nx-s-10\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">What the platform does<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Shared industry understanding of regulation, without advice.<\/h2><p class=\"nx-lede\">Financial Regulation Nexus produces regulation research briefs and supervisory learning material. Its methods are comparative analysis of standards and prudential and conduct analysis. It helps the industry and the public understand how regulatory frameworks work, how they compare across jurisdictions and where they are changing, as a precompetitive and public-interest effort.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M15 12h-5\"\/><path d=\"M15 8h-5\"\/><path d=\"M19 17V5a2 2 0 0 0-2-2H4\"\/><path d=\"M8 21h12a2 2 0 0 0 2-2v-1a1 1 0 0 0-1-1H11a1 1 0 0 0-1 1v1a2 2 0 1 1-4 0V5a2 2 0 1 0-4 0v2a1 1 0 0 0 1 1h3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Compare<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Standards and frameworks<\/h3><p class=\"nx-p nx-mt-1\">How international standards and national rules compare, and how they are applied in practice.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 3v18h18\"\/><path d=\"m19 9-5 5-4-4-3 3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Analyse<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Prudential and conduct effects<\/h3><p class=\"nx-p nx-mt-1\">What regulatory frameworks do to resilience, behaviour and outcomes, using published and aggregated data.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M21.42 10.922a1 1 0 0 0-.019-1.838L12.83 5.18a2 2 0 0 0-1.66 0L2.6 9.08a1 1 0 0 0 0 1.832l8.57 3.908a2 2 0 0 0 1.66 0z\"\/><path d=\"M22 10v6\"\/><path d=\"M6 12.5V16a6 3 0 0 0 12 0v-3.5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Learn<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Supervisory learning<\/h3><p class=\"nx-p nx-mt-1\">Material that explains supervisory practice and its rationale, for professionals and students of regulation.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-foundations-and-counterparts\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-11\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Foundations and counterparts<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Built on named methods, connected across three institutions.<\/h2><p class=\"nx-lede\">The platform applies <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/financial-economics\/\">financial economics and macro-finance<\/a>, policy, institutional and decision science, data engineering, interoperability and stewardship and game theory and mechanism design; see the STEM foundation. Two chapters develop specialist lines: <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/chapters\/financial-data-and-disclosure\/\">financial data and disclosure<\/a> and financial conduct and consumer protection.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><ul class=\"nx-dir\" data-cols=\"3\" aria-label=\"Counterpart\"><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskforum.com\/policy\/\"><span class=\"nx-dir-name\">Policy Nexus at <abbr title=\"The Global Risks Forum\">GRF<\/abbr><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GRF<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">What it adds<\/span><span class=\"nx-dir-v\">Comparative policy analysis and dialogue among public institutions.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskforum.com\/capital\/\"><span class=\"nx-dir-name\">Capital Nexus at GRF<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GRF<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">What it adds<\/span><span class=\"nx-dir-v\">Governance dialogue on capital and financial stability.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskforum.com\/governance\/\"><span class=\"nx-dir-name\">Governance Nexus at GRF<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GRF<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">What it adds<\/span><span class=\"nx-dir-v\">Institutional governance and accountability.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/nexus-registry\/\"><span class=\"nx-dir-name\">Registry at <abbr title=\"The Global Centre for Risk and Innovation\">GCRI<\/abbr><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">What it adds<\/span><span class=\"nx-dir-v\">Records, provenance and evidence standards for programme data.<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><\/div><\/div><\/section><section id=\"nx-sec-areas\" class=\"nx-section nx-band-panel\" data-hue=\"project\" aria-labelledby=\"nx-s-12\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Coverage<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">The areas of financial stability this platform takes on.<\/h2><p class=\"nx-lede\">Financial Regulation Nexus studies how financial regulation and supervision are designed, implemented and tested: prudential and macroprudential rules, conduct and consumer protection, crisis management, data and disclosure, and cooperation across borders. Each page sets out mechanisms, indicators, sources, methods and the decisions that legislatures, regulators, central banks and boards hold. It is shared industry understanding from the Global Risks Alliance, independent of every regulator, and not legal or investment advice.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"4\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Prudential regulation<\/h3><p class=\"nx-p nx-mt-1\">Capital, liquidity and solvency frameworks for banks and insurers, and the gaps between standards, national rules and supervisory practice.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M22 12h-2.48a2 2 0 0 0-1.93 1.46l-2.35 8.36a.25.25 0 0 1-.48 0L9.24 2.18a.25.25 0 0 0-.48 0l-2.35 8.36A2 2 0 0 1 4.49 12H2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Macroprudential policy<\/h3><p class=\"nx-p nx-mt-1\">System-wide buffers, borrower-based limits and the stance of policy across the financial cycle.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Conduct and consumer protection<\/h3><p class=\"nx-p nx-mt-1\">Disclosure, suitability, fair value, market integrity and the institutions that handle complaints and redress.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m4.93 4.93 4.24 4.24\"\/><path d=\"m14.83 9.17 4.24-4.24\"\/><path d=\"m14.83 14.83 4.24 4.24\"\/><path d=\"m9.17 14.83-4.24 4.24\"\/><circle cx=\"12\" cy=\"12\" r=\"4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Crisis management and resolution<\/h3><p class=\"nx-p nx-mt-1\">Recovery planning, resolution powers, bail-in, deposit insurance and emergency liquidity.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M21.54 15H17a2 2 0 0 0-2 2v4.54\"\/><path d=\"M7 3.34V5a3 3 0 0 0 3 3v0a2 2 0 0 1 2 2v0c0 1.1.9 2 2 2v0a2 2 0 0 0 2-2v0c0-1.1.9-2 2-2h3.17\"\/><path d=\"M11 21.95V18a2 2 0 0 0-2-2v0a2 2 0 0 1-2-2v-1a2 2 0 0 0-2-2H2.05\"\/><circle cx=\"12\" cy=\"12\" r=\"10\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Cross-border supervision<\/h3><p class=\"nx-p nx-mt-1\">International standards, peer review, supervisory colleges and home-host cooperation.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 5a3 3 0 1 0-5.997.125 4 4 0 0 0-2.526 5.77 4 4 0 0 0 .556 6.588A4 4 0 1 0 12 18Z\"\/><path d=\"M9 13a4.5 4.5 0 0 0 3-4\"\/><path d=\"M6.003 5.125A3 3 0 0 0 6.401 6.5\"\/><path d=\"M3.477 10.896a4 4 0 0 1 .585-.396\"\/><path d=\"M6 18a4 4 0 0 1-1.967-.516\"\/><path d=\"M12 13h4\"\/><path d=\"M12 18h6a2 2 0 0 1 2 2v1\"\/><path d=\"M12 8h8\"\/><path d=\"M16 8V5a2 2 0 0 1 2-2\"\/><circle cx=\"16\" cy=\"13\" r=\".5\"\/><circle cx=\"18\" cy=\"3\" r=\".5\"\/><circle cx=\"20\" cy=\"21\" r=\".5\"\/><circle cx=\"20\" cy=\"8\" r=\".5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Financial technology<\/h3><p class=\"nx-p nx-mt-1\">Crypto-assets, stablecoins, AI and concentrated technology providers at the edge of the regulatory perimeter.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect width=\"7\" height=\"7\" x=\"14\" y=\"3\" rx=\"1\"\/><path d=\"M10 21V8a1 1 0 0 0-1-1H4a1 1 0 0 0-1 1v12a1 1 0 0 0 1 1h12a1 1 0 0 0 1-1v-5a1 1 0 0 0-1-1H3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Supervisory data and disclosure<\/h3><p class=\"nx-p nx-mt-1\">Reporting standards, identifiers, <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 data-quality\" data-tk=\"Nexus risk vocabulary\" data-td=\"The fitness of data for a given use, judged by accuracy, completeness, timeliness, consistency and resolution.\" data-ts=\"NRS-C1\" data-tr=\"draft\">data quality<\/a>, structured disclosure and supervisory technology.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" x2=\"21\" y1=\"22\" y2=\"22\"\/><line x1=\"6\" x2=\"6\" y1=\"18\" y2=\"11\"\/><line x1=\"10\" x2=\"10\" y1=\"18\" y2=\"11\"\/><line x1=\"14\" x2=\"14\" y1=\"18\" y2=\"11\"\/><line x1=\"18\" x2=\"18\" y1=\"18\" y2=\"11\"\/><polygon points=\"12 2 20 7 4 7\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Regulatory institutions<\/h3><p class=\"nx-p nx-mt-1\">Supervisory architectures, independence, accountability and the lawful conduct of industry cooperation.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-grounding\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-13\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Grounding<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">Built on named science, technology, engineering and mathematics.<\/h2><p class=\"nx-lede\">Every claim on Financial Regulation Nexus rests on methods with a canonical page in the STEM Commons, so readers can see what a finding depends on and where its limits lie.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-chips\"><span class=\"nx-chip\">Financial economics and macro-finance<\/span><span class=\"nx-chip\">Policy, institutional and decision science<\/span><span class=\"nx-chip\">Data engineering, interoperability and stewardship<\/span><span class=\"nx-chip\">Game theory and mechanism design<\/span><\/div><p class=\"nx-p nx-mt-3\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/\">See the STEM foundation of Financial Regulation Nexus<\/a><\/p><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-pillars\" class=\"nx-section\" data-hue=\"project\" data-variant=\"split\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Six pillars<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">How this works across the six pillars.<\/h2><p class=\"nx-lede\">Financial Regulation Nexus works through six pillars of one annual programme, led by the Nexus Consortium, with the Global Centre for Risk and Innovation (GCRI), the Global Risks Forum (GRF) and GRA each contributing in its role: explore, experiment and prototype in <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/labs\" data-tc=\"Labs\" data-tk=\"Nexus Standards\" data-td=\"The research pillar of the programme, one of six (OR-11, OR-12)\">Labs<\/a>, build, simulate and prepare in Foundry, convene and test in Universe, codify, correct and apply in <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a>, publish in every format in Reports, teach in the open in Risk Academy.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-pl-ring nx-canvas-wrap\" data-pl-hex=\"true\"><figure class=\"nx-nsig nx-phex\" data-nx-phex=\"012345\" data-phex-ctx=\"whole\" data-phex=\"{&quot;S&quot;:[{&quot;id&quot;:&quot;labs&quot;,&quot;c&quot;:&quot;L&quot;,&quot;name&quot;:&quot;Labs&quot;,&quot;full&quot;:&quot;Labs&quot;,&quot;verb&quot;:&quot;Experiments&quot;,&quot;url&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;does&quot;:[&quot;Turns open questions into designed experiments&quot;,&quot;Prototypes new methods, data pipelines and tools&quot;,&quot;Records failures and limits alongside results&quot;,&quot;Hands reproducible prototypes to the Foundry&quot;]},{&quot;id&quot;:&quot;foundry&quot;,&quot;c&quot;:&quot;F&quot;,&quot;name&quot;:&quot;Foundry&quot;,&quot;full&quot;:&quot;Foundry&quot;,&quot;verb&quot;:&quot;Builds&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/financial-regulations-nexus\/foundry\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-foundry\/&quot;,&quot;does&quot;:[&quot;Builds the cycle's software, data and environments&quot;,&quot;Simulates scenarios and runs benchmarks&quot;,&quot;Monitors hazards, systems and evidence&quot;,&quot;Develops and tracks the National Portfolio&quot;]},{&quot;id&quot;:&quot;universe&quot;,&quot;c&quot;:&quot;U&quot;,&quot;name&quot;:&quot;Universe&quot;,&quot;full&quot;:&quot;Universe&quot;,&quot;verb&quot;:&quot;Convenes and tests&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/financial-regulations-nexus\/universe\/&quot;,&quot;home&quot;:&quot;https:\/\/universe.nexus\/&quot;,&quot;does&quot;:[&quot;Sets the annual mandate and admits missions&quot;,&quot;Runs readiness, the controlled build and Action Week&quot;,&quot;Stands down temporary capacity and seals evidence&quot;,&quot;Reviews the year and renews the mandate&quot;]},{&quot;id&quot;:&quot;standards&quot;,&quot;c&quot;:&quot;S&quot;,&quot;name&quot;:&quot;Standards&quot;,&quot;full&quot;:&quot;Nexus Standards&quot;,&quot;verb&quot;:&quot;Codify and correct&quot;,&quot;url&quot;:&quot;https:\/\/nexustandards.com\/finance\/&quot;,&quot;home&quot;:&quot;https:\/\/nexustandards.com\/&quot;,&quot;does&quot;:[&quot;Identifies every artefact with a UNI&quot;,&quot;Routes work to the standards that apply&quot;,&quot;Validates and monitors conformance evidence&quot;,&quot;Takes cycle findings as change proposals&quot;,&quot;Records national adoption&quot;]},{&quot;id&quot;:&quot;reports&quot;,&quot;c&quot;:&quot;R&quot;,&quot;name&quot;:&quot;Reports&quot;,&quot;full&quot;:&quot;Reports&quot;,&quot;verb&quot;:&quot;Publishes&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/financial-regulations-nexus\/reports\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-reports\/&quot;,&quot;does&quot;:[&quot;Publishes four editions a year, with Q4 as the annual flagship&quot;,&quot;Maintains country and regional profiles&quot;,&quot;Publishes exponential technology streams&quot;,&quot;Records corrections and method changes&quot;]},{&quot;id&quot;:&quot;academy&quot;,&quot;c&quot;:&quot;A&quot;,&quot;name&quot;:&quot;Academy&quot;,&quot;full&quot;:&quot;Risk Academy&quot;,&quot;verb&quot;:&quot;Teaches&quot;,&quot;url&quot;:&quot;https:\/\/risksacademy.com\/finance-economics\/&quot;,&quot;home&quot;:&quot;https:\/\/risksacademy.com\/&quot;,&quot;does&quot;:[&quot;Publishes a course for every system, standard and programme role&quot;,&quot;Assesses learning on real cycle tasks&quot;,&quot;Issues microcredentials and achievements through accountable issuers&quot;,&quot;Feeds qualified people into the next cycle&quot;]}],&quot;H&quot;:[{&quot;id&quot;:&quot;F01&quot;,&quot;f&quot;:2,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Admitted mission becomes a cycle project with a decision case&quot;},{&quot;id&quot;:&quot;F02&quot;,&quot;f&quot;:1,&quot;t&quot;:2,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Core Build Report and go or no-go evidence&quot;},{&quot;id&quot;:&quot;F03&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Sealed observations and indicator series behind a profile&quot;},{&quot;id&quot;:&quot;F04&quot;,&quot;f&quot;:2,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;After-action and scenario findings for chapters 10 and 13&quot;},{&quot;id&quot;:&quot;F05&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;National Portfolio movement for chapter 11&quot;},{&quot;id&quot;:&quot;F06&quot;,&quot;f&quot;:4,&quot;t&quot;:3,&quot;ph&quot;:&quot;CORRECTION&quot;,&quot;art&quot;:&quot;Method and correction findings as change proposals&quot;},{&quot;id&quot;:&quot;F07&quot;,&quot;f&quot;:2,&quot;t&quot;:3,&quot;ph&quot;:&quot;DOCKET_REVIEW&quot;,&quot;art&quot;:&quot;Docket items that need a standard or a profile&quot;},{&quot;id&quot;:&quot;F08&quot;,&quot;f&quot;:3,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Composed mission profiles and national adoption records&quot;},{&quot;id&quot;:&quot;F09&quot;,&quot;f&quot;:3,&quot;t&quot;:5,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Each adopted standard or profile becomes a course module&quot;},{&quot;id&quot;:&quot;F10&quot;,&quot;f&quot;:2,&quot;t&quot;:5,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Assessed cycle tasks become completion evidence&quot;},{&quot;id&quot;:&quot;F11&quot;,&quot;f&quot;:5,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Qualified participants for the next cycle's roles&quot;},{&quot;id&quot;:&quot;F12&quot;,&quot;f&quot;:4,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Q4 synthesis informs the next-year mandate&quot;},{&quot;id&quot;:&quot;F13&quot;,&quot;f&quot;:1,&quot;t&quot;:3,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Validation and monitoring evidence for conformance review&quot;},{&quot;id&quot;:&quot;F14&quot;,&quot;f&quot;:1,&quot;t&quot;:5,&quot;ph&quot;:&quot;PLANNING&quot;,&quot;art&quot;:&quot;Each system's rooms become a learning-by-doing course&quot;},{&quot;id&quot;:&quot;R1&quot;,&quot;f&quot;:3,&quot;t&quot;:4,&quot;ph&quot;:null,&quot;art&quot;:&quot;Applied in editions&quot;},{&quot;id&quot;:&quot;R2&quot;,&quot;f&quot;:4,&quot;t&quot;:5,&quot;ph&quot;:null,&quot;art&quot;:&quot;Taught in the open&quot;},{&quot;id&quot;:&quot;R3&quot;,&quot;f&quot;:5,&quot;t&quot;:0,&quot;ph&quot;:null,&quot;art&quot;:&quot;Questions become experiments&quot;},{&quot;id&quot;:&quot;R4&quot;,&quot;f&quot;:0,&quot;t&quot;:1,&quot;ph&quot;:null,&quot;art&quot;:&quot;Tested prototypes are built&quot;}],&quot;PH&quot;:[[&quot;PLANNING&quot;,&quot;Planning&quot;],[&quot;READINESS_PREPARATION&quot;,&quot;Readiness preparation&quot;],[&quot;CONTROLLED_BUILD&quot;,&quot;Controlled build&quot;],[&quot;CLOSEOUT&quot;,&quot;Closeout&quot;],[&quot;AFTER_ACTION_REVIEW&quot;,&quot;After-action review&quot;],[&quot;CORRECTION&quot;,&quot;Correction&quot;],[&quot;DOCKET_REVIEW&quot;,&quot;Docket review&quot;],[&quot;RENEWAL&quot;,&quot;Renewal&quot;]],&quot;L&quot;:[[1,3],[1,2],[2,5],[2,4],[1,5,2],[1,4,3],[1,4,2],[1,2,3],[2,3,5],[1,5,2,3],[1,4,2,3],[1,3,5,2],[1,2,4,3],[2,4,3,5],[1,5,2,4,3],[1,4,3,5,2],[0,1,2,3,4,5]],&quot;CTX&quot;:[{&quot;id&quot;:&quot;whole&quot;,&quot;n&quot;:&quot;The whole programme&quot;,&quot;s&quot;:[0,1,2,3,4,5],&quot;t&quot;:&quot;Every pillar hands its work to another; together they close the year's feedback loops.&quot;},{&quot;id&quot;:&quot;practice&quot;,&quot;n&quot;:&quot;From prototype to practice&quot;,&quot;s&quot;:[0,1,2,3],&quot;t&quot;:&quot;A Labs prototype is built in the Foundry, tested in a Universe mission and codified as a standard.&quot;},{&quot;id&quot;:&quot;build-test&quot;,&quot;n&quot;:&quot;Build and test&quot;,&quot;s&quot;:[1,2],&quot;t&quot;:&quot;The Foundry builds what a mission needs; Universe returns the go or no-go evidence.&quot;},{&quot;id&quot;:&quot;conformance&quot;,&quot;n&quot;:&quot;Conformance&quot;,&quot;s&quot;:[1,3],&quot;t&quot;:&quot;Validation evidence goes to Standards for review; composed profiles come back for the next build.&quot;},{&quot;id&quot;:&quot;correction&quot;,&quot;n&quot;:&quot;A finding becomes a correction&quot;,&quot;s&quot;:[1,4,3],&quot;t&quot;:&quot;Observations are published, a method finding becomes a change proposal, the corrected profile returns to the build.&quot;},{&quot;id&quot;:&quot;mandate&quot;,&quot;n&quot;:&quot;Setting the next mandate&quot;,&quot;s&quot;:[2,4],&quot;t&quot;:&quot;After-action findings go into the editions; the Q4 synthesis informs next year's mandate.&quot;},{&quot;id&quot;:&quot;people&quot;,&quot;n&quot;:&quot;People for the next cycle&quot;,&quot;s&quot;:[2,5],&quot;t&quot;:&quot;Assessed cycle tasks become completion evidence; qualified participants take roles in the next cycle.&quot;},{&quot;id&quot;:&quot;learning&quot;,&quot;n&quot;:&quot;Learning by doing&quot;,&quot;s&quot;:[1,2,5],&quot;t&quot;:&quot;Each system's rooms become a course; learners join missions, and missions return to the Foundry.&quot;}]}\"><div class=\"nx-nsig-plate\"><div class=\"nx-nsig-strip\" role=\"group\" aria-label=\"Routes through the programme\" hidden><\/div><div class=\"nx-nsig-stage\"><div class=\"nx-nsig-top\"><span>Select pillars \u00b7 hover lines<\/span><span class=\"nx-nsig-pairs\">18 \/ 18 handoffs<\/span><\/div><div class=\"nx-nsig-tilt\"><svg class=\"nx-nsig-svg\" viewBox=\"-370 -290 740 580\" role=\"img\" aria-label=\"The six pillars of the Consortium's programme: 18 of 18 handoffs in play, 17 feedback loops closed.\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><p class=\"nx-phex-legend\" aria-hidden=\"true\"><span><i class=\"nx-phex-k1\"><\/i>handoff in play<\/span><span><i class=\"nx-phex-k2\"><\/i>recorded handoff<\/span><span><i class=\"nx-phex-k3\"><\/i>no direct handoff<\/span><\/p><div class=\"nx-phex-phase\" hidden><p class=\"nx-phex-phh\"><span class=\"nx-phex-phk\">Programme year<\/span><span class=\"nx-phex-pn\">All phases<\/span><\/p><div class=\"nx-phex-steps\" role=\"group\" aria-label=\"Phases of the programme year\"><\/div><div class=\"nx-nsig-actions\"><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"play\">Play the year<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"allph\">All phases<\/button><\/div><\/div><\/div><div class=\"nx-nsig-read\"><div><p class=\"nx-nsig-k\">Route<\/p><p class=\"nx-nsig-name\">The whole programme<\/p><p class=\"nx-nsig-line\">Every pillar hands its work to another; together they close the year&#8217;s feedback loops.<\/p><\/div><p class=\"nx-nsig-code\" aria-live=\"polite\"><span>L<\/span> \u00b7 <span>F<\/span> \u00b7 <span>U<\/span> \u00b7 <span>S<\/span> \u00b7 <span>R<\/span> \u00b7 <span>A<\/span><\/p><dl class=\"nx-nsig-stats\"><div><dt>Pillars<\/dt><dd><strong>6<\/strong> <small>of 6<\/small><\/dd><\/div><div><dt>Handoffs<\/dt><dd><strong>18<\/strong> <small>of 18<\/small><\/dd><\/div><div><dt>Loops<\/dt><dd><strong>17<\/strong> <small>closed<\/small><\/dd><\/div><\/dl><div class=\"nx-nsig-detail\"><h3 class=\"nx-nsig-dh\">Handoffs in play<\/h3><ul class=\"nx-nsig-rel nx-phex-rel\"><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F01<\/span><span class=\"nx-nsig-rt\"><b>Universe \u2192 Foundry<\/b> \u00b7 Admitted mission becomes a cycle project with a decision case<\/span><span class=\"nx-phex-ph\">Readiness preparation<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F02<\/span><span class=\"nx-nsig-rt\"><b>Foundry \u2192 Universe<\/b> \u00b7 Core Build Report and go or no-go evidence<\/span><span class=\"nx-phex-ph\">Controlled build<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F03<\/span><span class=\"nx-nsig-rt\"><b>Foundry \u2192 Reports<\/b> \u00b7 Sealed observations and indicator series behind a profile<\/span><span class=\"nx-phex-ph\">Closeout<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F04<\/span><span class=\"nx-nsig-rt\"><b>Universe \u2192 Reports<\/b> \u00b7 After-action and scenario findings for chapters 10 and 13<\/span><span class=\"nx-phex-ph\">After-action review<\/span><\/li><\/ul><p class=\"nx-nsig-hint\">and 14 more<\/p><\/div><div class=\"nx-nsig-actions\" data-phex-acts=\"true\" hidden><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"all\">Whole ring<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"clear\">Clear<\/button><button type=\"button\" class=\"nx-nsig-btn nx-nsig-pri\" data-phex-act=\"copy\">Copy route<\/button><\/div><\/div><\/div><figcaption class=\"nx-nsig-note\">F01 to F14 are the recorded handoffs of the programme year, each with the artefact that moves and its phase; R1, R2, R3 and R4 carry work around the ring. A loop counts when every pillar on it is selected. Every pillar is led by the Nexus Consortium.<\/figcaption><\/figure><ol class=\"nx-pl-list\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Labs<\/span><span class=\"nx-pl-role\">Where questions become experiments and prototypes: new methods, data and tools are tried in the open, with their limits on record, before the Foundry builds them, under the Nexus Consortium.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Foundry<\/span><span class=\"nx-pl-role\">Where exposure and scenario evidence is built so supervisors, insurers and investors can read it.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/foundry\/\">Financial Regulation Nexus in Foundry<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/therisk.global\/nexus-foundry\/\">Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Universe<\/span><span class=\"nx-pl-role\">Where scenarios are tested in controlled exercises, and finance-readiness dialogues read what they mean for capital and cover.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/universe\/\">Financial Regulation Nexus in Universe<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/universe.nexus\/\">universe.nexus<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Nexus Standards<\/span><span class=\"nx-pl-role\">Where disclosure and data rules are codified so risk evidence is comparable for finance and insurance.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/nexustandards.com\/finance\/\">Finance, Insurance and the Economy in Standards<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/nexustandards.com\/\">nexustandards.com<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Reports<\/span><span class=\"nx-pl-role\">Where sector analysis and the finance and insurance readiness series are published, with exposure and limits stated.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/reports\/\">Financial Regulation Nexus in Reports<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/therisk.global\/nexus-reports\/\">Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Risk Academy<\/span><span class=\"nx-pl-role\">Where finance, insurance and public-finance professionals learn to read risk evidence, on Risk Academy.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/risksacademy.com\/finance-economics\/\">Faculty of Finance and Economics in Academy<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/risksacademy.com\/\">risksacademy.com<\/a><\/li><\/ol><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-4\" data-hue=\"finance\" aria-label=\"Consortium, Pages, Connected, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Consortium, Pages, Connected, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-1\" aria-controls=\"nx-sec-consortium\" aria-selected=\"true\" data-key=\"p1\">Consortium<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-2\" aria-controls=\"nx-s-16-sec\" aria-selected=\"false\" data-key=\"p2\">Pages<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-3\" aria-controls=\"nx-s-17-sec\" aria-selected=\"false\" data-key=\"p3\">Connected<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-4\" aria-controls=\"nx-s-18-sec\" aria-selected=\"false\" data-key=\"p4\">Questions<\/button><\/div><section id=\"nx-sec-consortium\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-15\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">15<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Consortium<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">The same field, seen three ways.<\/h2><p class=\"nx-lede\">GCRI studies a field as science, GRF governs it and GRA builds shared financial understanding of it. Financial Regulation Nexus links to its counterparts so that work on one side is visible on the others.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><ul class=\"nx-dir\" data-cols=\"3\" aria-label=\"Platform\"><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/nexus-registry\/\"><span class=\"nx-dir-name\">Registry<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Governance and institutions<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/nexus-agency\/\"><span class=\"nx-dir-name\">Agency<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Governance and institutions<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskforum.com\/research\/\"><span class=\"nx-dir-name\">Research Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GRF<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Governance and institutions<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskforum.com\/policy\/\"><span class=\"nx-dir-name\">Policy Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GRF<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Governance and institutions<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskforum.com\/capital\/\"><span class=\"nx-dir-name\">Capital Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GRF<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Financial stability<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskforum.com\/governance\/\"><span class=\"nx-dir-name\">Governance Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GRF<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Governance and institutions<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><\/div><\/div><\/section><section id=\"nx-s-16-sec\" class=\"nx-section nx-band-panel\" data-hue=\"project\" aria-labelledby=\"nx-s-16\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">16<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Pages<\/span><\/div><h2 id=\"nx-s-16\" class=\"nx-section-title\">Pages in Financial Regulation Nexus.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/about\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Industry scope and publisher<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/sector\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial discipline overview<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/research\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional research<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/innovation\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Technology and emerging practices<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/readiness\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Resilience and finance readiness<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/programmes\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Research and industry programmes<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/tools\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Analytical and data resources<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/community\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional community<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/learning\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional learning<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/events\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional meetings<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/publications\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Reports and sector briefs<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/participate\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Membership and research participation<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/contact\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Contact the industry platform<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/trust\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Antitrust, independence and financial perimeter<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/stem\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">STEM foundation of Financial Regulation Nexus<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/chapters\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Chapters<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/cycle\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">How work moves in this field<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/foundry\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Build in Foundry<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/universe\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Test in Universe<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/reports\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Publish in Reports<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/counterparts\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">The same field across the Consortium<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/topics\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Topics<\/h3><\/a><\/div><\/div><\/div><\/section><section id=\"nx-s-17-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-17\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">17<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Connected<\/span><\/div><h2 id=\"nx-s-17\" class=\"nx-section-title\">Where this page leads across the Consortium.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/fields\/stability\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Financial stability<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/fields\/governance\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Governance and institutions<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/fields\/markets\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Capital markets and investment<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-18-sec\" class=\"nx-section nx-band-panel\" data-hue=\"project\" aria-labelledby=\"nx-s-18\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">18<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-18\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Who publishes Financial Regulation Nexus?<\/summary><div class=\"nx-answer\">The Global Risks Alliance (GRA) publishes Financial Regulation Nexus and is responsible for what it publishes. GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, and readiness work is not approval.<\/div><\/details><details><summary>Is Financial Regulation Nexus active?<\/summary><div class=\"nx-answer\">Financial Regulation Nexus is an established platform of The Global Risks Alliance. Information and enquiries are open today. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/div><\/details><details><summary>How can I contribute?<\/summary><div class=\"nx-answer\">Start with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/participate\/\">the participation paths<\/a> or write to the contact form. An enquiry receives a reference; it does not create membership, a role or an assignment.<\/div><\/details><details><summary>Where are findings published?<\/summary><div class=\"nx-answer\">Reviewed outputs appear on <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/publications\/\">the publications page<\/a>, and contributions to the Reports series are listed on Publish in Reports.<\/div><\/details><details><summary>Which values on this platform are real?<\/summary><div class=\"nx-answer\">Indicator names, units, sources, methods and frameworks are real. Levels in figures and canvases are examples in a design. A programme replaces them with labelled evidence it owns.<\/div><\/details><details><summary>How do I report an error?<\/summary><div class=\"nx-answer\">Use <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/trust\/corrections\/\">corrections and concerns<\/a>, or write to the integrity concern form. A correction is recorded as a new version, never a silent edit.<\/div><\/details><details><summary>Is the Financial Regulation Nexus a regulator?<\/summary><div class=\"nx-answer\">No. GRA is not a regulator, supervisor or self-regulatory organisation, and it does not interpret rules for individual firms. Regulatory decisions belong to the competent authorities under their own law.<\/div><\/details><details><summary>Can a serving supervisor take part?<\/summary><div class=\"nx-answer\">Supervisors and other public servants may take part in sessions only in their institutional role, and never as members. Their participation does not represent their authority, and they are not asked to disclose confidential supervisory information.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-nr-gateway-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Reports<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contribute<\/span><\/div><h2 id=\"nx-nr-gateway-h\" class=\"nx-section-title\">Contribute evidence from this page.<\/h2><p class=\"nx-lede\">Reports is the Consortium&#8217;s quarterly publication. What you know about this subject can become evidence, a case or a correction in the next edition, credited to you and published under CC BY 4.0 where it is your own work.<\/p><div class=\"nx-chips\"><span class=\"nx-chip\">Global Risks Alliance<\/span><span class=\"nx-chip\">Financial Regulation Nexus<\/span><span class=\"nx-chip\">Finance and Insurance Readiness<\/span><span class=\"nx-chip\">Methods and Technical<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/write-to-us\/contact\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Email<\/span><span class=\"nx-dest-host\">Gateway GW-GRA<\/span><\/span><span class=\"nx-dest-title\">Send it from this page<\/span><span class=\"nx-dest-why\">Evidence, a correction, a case, a method, a review, a translation or profile input. It arrives tagged with this page, so the editor who owns it receives it.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/open-science\/#nx-sec-zenodo\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Zenodo<\/span><span class=\"nx-dest-host\">Open deposit<\/span><\/span><span class=\"nx-dest-title\">Deposit it and submit to the community<\/span><span class=\"nx-dest-why\">Publish your own record on Zenodo with your ORCID iD, then submit it to the Reports community there. Curators review it; the DOI stays yours.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/contribute\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Reports<\/span><span class=\"nx-dest-host\">Global Risks Alliance<\/span><\/span><span class=\"nx-dest-title\">See every way to contribute<\/span><span class=\"nx-dest-why\">The contribution types, how each is reviewed, what credit you receive, the licence and what is never accepted.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><div class=\"nx-live-slot\" data-nxf-slot=\"contribute\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/financial-regulations-nexus#contribute\" data-nxf-title=\"Contribute evidence\" data-nxf-height=\"480\" hidden><\/div><p class=\"nx-note nx-mt-3\">Never send personal data, sensitive infrastructure detail or anything you have no right to share. A contribution is reviewed before use; sending it confers no authorship or editorial rights, and sponsorship never buys a finding.<\/p><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-scn-h-a09\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">How it works<\/span><h2 id=\"nx-scn-h-a09\" class=\"nx-h3 nx-mt-2\">How Financial Regulation Nexus works.<\/h2><p class=\"nx-lede nx-mt-2\">Choose a view and press Play to follow the platform&#8217;s process, its programme year, the standards it applies and how its findings are published. The outline shows how the work is designed to run, not the status of any decision.<\/p><div class=\"nx-mt-3\"><div class=\"nx-pe\" id=\"nx-pe-a09\" data-nx-pe=\"nx-pe-a09\" data-active=\"platforms\"><div class=\"nx-pe-shell\"><p class=\"nx-pe-eb\">Financial Regulation Nexus<\/p><h2 class=\"nx-pe-title\">How Financial Regulation Nexus works<\/h2><p class=\"nx-pe-others\"><span aria-current=\"true\">Platforms<\/span> \u00b7 <span>Programme year<\/span> \u00b7 <span>Standards<\/span> \u00b7 <span>Reports<\/span><\/p><p class=\"nx-pe-cap\">A platform joins a field to named methods, labelled evidence and the outputs it publishes, without becoming the authority it serves.<\/p><ol class=\"nx-pe-steps\"><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">01 Scope<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">01<\/span><span class=\"nx-pe-st\">Field and families<\/span><span class=\"nx-pe-k\">Start \u00b7 The platform lead<\/span><span class=\"nx-pe-sm\">The home states the field, its families and who it serves.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">02<\/span><span class=\"nx-pe-st\">Topic dossiers<\/span><span class=\"nx-pe-k\">Record \u00b7 Platform authors<\/span><span class=\"nx-pe-sm\">Topics explain the subject with labelled evidence.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">02 Evidence<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">03<\/span><span class=\"nx-pe-st\">Evidence labels<\/span><span class=\"nx-pe-k\">Record \u00b7 GCRI<\/span><span class=\"nx-pe-sm\">Each value is labelled: observed, published statistics, estimated, modelled, scenario or unknown.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">04<\/span><span class=\"nx-pe-st\">Methods<\/span><span class=\"nx-pe-k\">Step \u00b7 Method owners<\/span><span class=\"nx-pe-sm\">Methods come from the STEM Commons, each with one canonical page.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">03 Work<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">05<\/span><span class=\"nx-pe-st\">Scenarios on the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a><\/span><span class=\"nx-pe-k\">Model \u00b7 Foundry pillar<\/span><span class=\"nx-pe-sm\">Scenarios run on the Nexus systems, labelled as scenario.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">06<\/span><span class=\"nx-pe-st\">Standards that apply<\/span><span class=\"nx-pe-k\">Record \u00b7 <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a><\/span><span class=\"nx-pe-sm\">The platform names the standards that apply. A validator report is evidence for review.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">04 Publish<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">07<\/span><span class=\"nx-pe-st\">Editions<\/span><span class=\"nx-pe-k\">Record \u00b7 Reports<\/span><span class=\"nx-pe-sm\">Findings are published through Reports with their limits.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">08<\/span><span class=\"nx-pe-st\">Authority decides<\/span><span class=\"nx-pe-k\">Outcome \u00b7 The competent authority<\/span><span class=\"nx-pe-sm\">Decisions and execution stay with the government, operator or licensed institution.<\/span><\/li><\/ol><\/li><\/ol><p class=\"nx-pe-foot\"><span><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/\" rel=\"noopener\">Financial Regulation Nexus home<\/a> \u00b7 Platforms \u00b7 Shared methods<\/span><span>An outline of how the work is designed to run; it does not report the status of any decision or record.<\/span><\/p><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" id=\"nx-tp-alliance-com-financial-regulations-nexus\" data-nx-takepart=\"GRA\" aria-labelledby=\"nx-tp-alliance-com-financial-regulations-nexus-h\"><div class=\"nx-container\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Take part<\/span><\/div><h2 id=\"nx-tp-alliance-com-financial-regulations-nexus-h\" class=\"nx-h3 nx-mt-2\">Take part in Financial Regulation Nexus.<\/h2><p class=\"nx-lede nx-mt-2\">Start from who you are. Answer an open call. Or form and lead a competence cell on the Financial Regulation Nexus platform.<\/p><div class=\"nx-mt-3\" data-nx-tabs=\"true\" data-active=\"routes\"><div class=\"nx-tablist\" role=\"tablist\" aria-label=\"Ways to take part\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-alliance-com-financial-regulations-nexus-tab-routes\" aria-controls=\"nx-tp-alliance-com-financial-regulations-nexus-panel-routes\" aria-selected=\"true\" data-key=\"routes\">Routes<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-alliance-com-financial-regulations-nexus-tab-calls\" aria-controls=\"nx-tp-alliance-com-financial-regulations-nexus-panel-calls\" aria-selected=\"false\" data-key=\"calls\">Open calls<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-alliance-com-financial-regulations-nexus-tab-cell\" aria-controls=\"nx-tp-alliance-com-financial-regulations-nexus-panel-cell\" aria-selected=\"false\" data-key=\"cell\">Cells and CERTs<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-alliance-com-financial-regulations-nexus-tab-index\" aria-controls=\"nx-tp-alliance-com-financial-regulations-nexus-panel-index\" aria-selected=\"false\" data-key=\"index\">The Index<\/button><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-alliance-com-financial-regulations-nexus-panel-routes\" aria-labelledby=\"nx-tp-alliance-com-financial-regulations-nexus-tab-routes\"><div class=\"nx-cells\" data-cols=\"3\"><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">National institutions<\/h3><p class=\"nx-p nx-mt-1\">Ministries, statistics offices and agencies: a national desk and chapter, and a seat in the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/national-chapters\/\">National chapters<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Sectors and professions<\/h3><p class=\"nx-p nx-mt-1\">Operators, regulators, banks, insurers and professional bodies whose work touches Financial Regulation Nexus. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/participate\/\">Participate<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Learning<\/h3><p class=\"nx-p nx-mt-1\">Courses and practice, with a record of every course completed. Free to study. <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/open-learning\/\">Open learning<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Standards<\/h3><p class=\"nx-p nx-mt-1\">Draft, review and adopt the methods and data standards with the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/working-groups\/\">Working groups<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Communities and research<\/h3><p class=\"nx-p nx-mt-1\">Universities, civil society and individual experts: projects, data and review. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/contact\/\">Write to the team<\/a><\/p><\/div><\/div><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-alliance-com-financial-regulations-nexus-panel-calls\" aria-labelledby=\"nx-tp-alliance-com-financial-regulations-nexus-tab-calls\" hidden><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-nx-calls=\"true\"><thead><tr><th scope=\"col\">Open call<\/th><th scope=\"col\">Seeks<\/th><th scope=\"col\">Closes<\/th><\/tr><\/thead><tbody><tr data-closes=\"2026-12-15\"><td>Founding call for experts to the working groups <span class=\"nx-chip\">CALL-FOUNDING-EXPERTS<\/span><\/td><td>expert, editor, chair<\/td><td>2026-12-15<\/td><\/tr><tr data-closes=\"2026-12-01\"><td>Open nomination for the three independent expert seats of the Global Standards Council <span class=\"nx-chip\">CALL-GSC-IND<\/span><\/td><td>council-member<\/td><td>2026-12-01<\/td><\/tr><tr data-closes=\"2026-12-15\"><td>Nominations of interim regional members (applies only if the transitional provision is decided) <span class=\"nx-chip\">CALL-GSC-REG<\/span><\/td><td>council-member<\/td><td>2026-12-15<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Review of the wave-1 risk core outlines (C1, C2, C3, C4, C8, C10, C11) <span class=\"nx-chip\">CALL-REVIEW-WAVE1<\/span><\/td><td>contributor<\/td><td>2027-01-31<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Experts for the core standards of risk science: uncertainty and evidence grading, scales, structured expert judgement, tolerability, extremes and compound events, catastrophic and existential risk, ethics and equity, units and measurement (NRS-C17 to NRS-C24) <span class=\"nx-chip\">CALL-CORE-SCIENCE<\/span><\/td><td>expert, editor, chair<\/td><td>2027-01-31<\/td><\/tr><tr data-closes=\"2027-03-31\"><td>Independent reviewers for the families of the hazard atlas, three from at least two regions for each family (NHS2-R19), priority families first <span class=\"nx-chip\">CALL-ATLAS-REVIEW<\/span><\/td><td>expert<\/td><td>2027-03-31<\/td><\/tr><tr data-closes=\"2026-11-30\"><td>Members of the interim Frontier Safety Review Panel and red-team reviewers (biosafety and biosecurity, AI safety and security, critical-infrastructure security); applications treated in confidence <span class=\"nx-chip\">CALL-FRONTIER-SAFETY-REVIEW<\/span><\/td><td>expert<\/td><td>2026-11-30<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Experts in ontology, metrology, software verification and conformity assessment for the requirement register, the NHS-2 machine representation, the conformance test suites and the conformity assessment scheme <span class=\"nx-chip\">CALL-CONFORMANCE-ONTOLOGY<\/span><\/td><td>expert, editor<\/td><td>2027-01-31<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nx-note\">Calls past their closing date are hidden automatically. Every call, proposal and route: <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/open-areas-and-calls\/\">open areas and calls<\/a>.<\/p><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-alliance-com-financial-regulations-nexus-panel-cell\" aria-labelledby=\"nx-tp-alliance-com-financial-regulations-nexus-tab-cell\" hidden><div class=\"nx-panel-split\"><ol class=\"nx-terms\"><li><h3 class=\"nx-terms-t\">Gather the cell<\/h3><p class=\"nx-terms-d\">Bring together three to seven people with complementary skills: data, field practice, policy and communication.<\/p><\/li><li><h3 class=\"nx-terms-t\">Register it<\/h3><p class=\"nx-terms-d\">Write to the team with the cell&#8217;s name, members, area and region. You receive a reference and a contact. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/contact\/\">Write to the team<\/a><\/p><\/li><li><h3 class=\"nx-terms-t\">Choose a charter<\/h3><p class=\"nx-terms-d\">Pick one focus: research and evidence, data and maps, standards review, or community preparedness.<\/p><\/li><li><h3 class=\"nx-terms-t\">Learn together<\/h3><p class=\"nx-terms-d\">Follow shared study paths at Risk Academy, with practice and a record of every course completed. <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/hazards-resilience\/\">Hazards and resilience<\/a><\/p><\/li><li><h3 class=\"nx-terms-t\">Lead and report<\/h3><p class=\"nx-terms-d\">Hold regular sessions. Publish what the cell learns through Reports. Bring findings to the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/working-groups\/\">Working groups<\/a><\/p><\/li><\/ol><aside class=\"nx-callout nx-panel-aside\" aria-labelledby=\"nx-tp-alliance-com-financial-regulations-nexus-cert\"><h3 class=\"nx-h4\" id=\"nx-tp-alliance-com-financial-regulations-nexus-cert\">Specialise as a Community Emergency Response Team (CERT)<\/h3><p class=\"nx-p\">A CERT prepares its neighbourhood for the hazards it faces. It builds a local hazard profile from this site&#8217;s map. It trains in household and street preparedness. It learns first aid and light search through recognised local providers, and it runs drills.<\/p><p class=\"nx-p\">A CERT works alongside the local emergency services and follows their direction. It never replaces them and is not an emergency service.<\/p><\/aside><\/div><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-alliance-com-financial-regulations-nexus-panel-index\" aria-labelledby=\"nx-tp-alliance-com-financial-regulations-nexus-tab-index\" hidden><p class=\"nx-panel-lead\">What a national team or a local community can do on The Global Risks Index (<a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s6\" data-tc=\"NXS-GRX\" data-tk=\"Nexus system\" data-td=\"Canonical data, provenance and risk\" data-ts=\"NRS-S6\">NXS-GRX<\/a>) today.<\/p><div class=\"nx-cells\" data-cols=\"4\"><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Your country&#8217;s profile<\/h3><p class=\"nx-p nx-mt-1\">Open risk profiles for 195 countries, with sources and licences on every value. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Correct or reply<\/h3><p class=\"nx-p nx-mt-1\">Correct a value or reply for your country. The change is logged with its effect. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Offer data<\/h3><p class=\"nx-p nx-mt-1\">Offer a dataset. It enters through the licence gate, with your credit. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Use the open data<\/h3><p class=\"nx-p nx-mt-1\">Layers, profiles and tiles through the open API. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-hue=\"project\" id=\"nx-grix-alliance-com-financial-regulations-nexus\" data-tone=\"alt\" data-nx-grix=\"risk:world\" aria-labelledby=\"nx-grix-alliance-com-financial-regulations-nexus-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><span class=\"nx-eyebrow\">The Global Risks Index<\/span><h2 id=\"nx-grix-alliance-com-financial-regulations-nexus-h\" class=\"nx-section-title\">Every figure on this page is indexed: hazards, climate, conflict, the world.<\/h2><p class=\"nx-lede\">The Index is the Consortium&#8217;s indexing system for risk data. Every indicator, hazard, series and country profile carries its <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a> identifier, its source and its licence, so what this page shows can be traced, corrected and reused.<\/p><\/div><div class=\"nx-grix\"><ol class=\"nx-grix-rail\" aria-label=\"The data pipeline\"><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">01 \u00b7 Sources<\/span><span class=\"nx-grix-t\">205 registered sources<\/span><span class=\"nx-grix-m\">Every value keeps its source and licence; withheld values are counted.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/data\/\">Data and licences<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">02 \u00b7 Nexus Standards<\/span><span class=\"nx-grix-t\">NIS-1 and NHS-1<\/span><span class=\"nx-grix-m\">451 indicators, 905 hazards; every record carries a <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/uni\/\" data-tc=\"UNI\" data-tk=\"Nexus Standards\" data-td=\"The universal identifier of every Nexus artifact (NS-1)\">UNI<\/a>.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/nexustandards.com\/\">Nexus Standards<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">03 \u00b7 The Index<\/span><span class=\"nx-grix-t\">54 series, 195 country profiles<\/span><span class=\"nx-grix-m\">Computed on the standards; no value is published until an edition is released.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/\">The Global Risks Index<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">04 \u00b7 This page<\/span><span class=\"nx-grix-t\">Financial Regulation Nexus<\/span><span class=\"nx-grix-m\">Maps, figures and feeds read the Index in the context of hazards, climate, conflict.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/developers\/\">Public API<\/a><\/li><\/ol><div class=\"nx-grix-kpis\"><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Sources<\/span><span class=\"nx-metric\" data-count=\"true\">205<\/span><span class=\"nx-metric-note\">registered, each with its licence<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Indicators<\/span><span class=\"nx-metric\" data-count=\"true\">451<\/span><span class=\"nx-metric-note\">NIS-1, 106 composites, 20 domain indices<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Hazards<\/span><span class=\"nx-metric\" data-count=\"true\">905<\/span><span class=\"nx-metric-note\">NHS-1, crosswalked to UNDRR-ISC HIPs<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Series<\/span><span class=\"nx-metric\" data-count=\"true\">54<\/span><span class=\"nx-metric-note\">global, sector, strategic, technology, thematic<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Country profiles<\/span><span class=\"nx-metric\" data-count=\"true\">195<\/span><span class=\"nx-metric-note\">one site per country<\/span><\/div><\/div><div class=\"nx-grix-grid\"><div class=\"nx-grix-col\"><h3 class=\"nx-grix-h\">Series in this context <span class=\"nx-grix-hm\">hazards, climate, conflict<\/span><\/h3><ol class=\"nx-grix-ledger\"><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GLB<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/global\/\">Global Systems<\/a><span class=\"nx-grix-row-d\">The state of interdependent <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 global-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Nexus risk class: a risk whose hazard, consequences or causal chain crosses national borders and acts at continental or planetary scale, so that no single country can assess or manage it alone.\" data-ts=\"NRS-C1\" data-tr=\"draft\">global risk<\/a>: the twenty domain indices aggregated to the world, the five core <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> (water, energy, food, health, biodiversity) and their couplings, the global tail register and the gap\u2026<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000002<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Climate \u00b7 Conflict<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">TH<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/th-04\/\">Disaster Risk Intelligence (DRI)<\/a><span class=\"nx-grix-row-d\">Signals, observations, event streams, geospatial layers and scenario packs turned into structured risk intelligence for preparedness and planning.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000111<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Climate \u00b7 Conflict<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GS<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/gs-10\/\">Global Cities<\/a><span class=\"nx-grix-row-d\">Urban exposure, heat, flooding, informal settlement, service dependency and the economic weight of cities at risk.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000068<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Infrastructure \u00b7 Climate<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GS<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/gs-07\/\">Global Climate<\/a><span class=\"nx-grix-row-d\">Chronic and acute physical climate hazard, transition exposure, adaptation gaps and scenario pathways to 2030, 2050 and 2100.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000065<\/span><span class=\"nx-grix-dom\">Climate \u00b7 Hazards \u00b7 Finance<\/span><\/span><\/li><\/ol><p class=\"nx-grix-foot\" data-nav=\"inline\"><a class=\"nx-link\" href=\"https:\/\/risksindex.com\/series\/\">All 54 series<\/a> \u00b7 <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/indices\/\">The 20 domain indices<\/a><\/p><\/div><div class=\"nx-grix-col nx-grix-side\"><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Country profiles <span class=\"nx-grix-hm\">the world<\/span><\/h3><div class=\"nx-grix-chips\"><a class=\"nx-grix-chip\" href=\"https:\/\/risksindex.com\/countries\/\">All 195 country profiles<\/a><\/div><p class=\"nx-grix-foot\">Every country profile carries the source and licence of each value. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/contribute\/\">Correct a value or reply<\/a><\/p><\/div><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Hazard domains <span class=\"nx-grix-hm\">NHS-1<\/span><\/h3><ul class=\"nx-grix-list\"><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/atmo\/\">Atmosphere and weather<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000135<\/span><\/li><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/geo\/\">Solid Earth<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000138<\/span><\/li><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/sys\/\">Systemic and compound events<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000148<\/span><\/li><\/ul><\/div><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Geodata and API <span class=\"nx-grix-hm\">open<\/span><\/h3><p class=\"nx-grix-m\">Open layers on an equal-area hexagon grid, shown as densities per km\u00b2 or as symbols: <span class=\"nx-grix-tag\">People \u00b7 GHSL 2025<\/span><span class=\"nx-grix-tag\">People \u00b7 WorldPop 2025<\/span><span class=\"nx-grix-tag\">Built-up area<\/span><span class=\"nx-grix-tag\">Ports<\/span><span class=\"nx-grix-tag\">Airports<\/span><span class=\"nx-grix-tag\">Roads<\/span><span class=\"nx-grix-tag\">Railways<\/span><span class=\"nx-grix-tag\">Rivers and lake centrelines<\/span><\/p><ul class=\"nx-grix-list\"><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/observatory\/\">Risk Observatory map<\/a><span class=\"nx-grix-dom\">open<\/span><\/li><\/ul><p class=\"nx-grix-m\"><code class=\"nx-grix-code\">\/api\/v1\/public\/grix<\/code> \u00b7 <code class=\"nx-grix-code\">https:\/\/nexustandards.com\/uni\/{uni}<\/code><br><a class=\"nx-link\" href=\"https:\/\/risksindex.com\/developers\/\">Developers<\/a> \u00b7 Data \u00b7 Made with Natural Earth, Public domain; GHSL and WorldPop, CC BY 4.0<\/p><\/div><\/div><\/div><p class=\"nx-grix-note\">Snapshot of the Index registries pinned 2026-10-23 \u00b7 22c6eed. Research and risk-analytics information: not a rating, an official classification, a warning, a benchmark or advice.<\/p><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-obalriskalliance-com-financial-regulations-nexus-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-obalriskalliance-com-financial-regulations-nexus-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-obalriskalliance-com-financial-regulations-nexus-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/programme\/the-nexus-cycle\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> The cycle<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/finance-economics\/financial-regulation\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Financial regulation and supervision<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/finance\/financial-and-economic-risk-standards\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Financial and economic risk standards<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-19\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Financial Regulation Nexus<\/span><h2 id=\"nx-close-19\" class=\"nx-section-title\">Bring an exposure or capital question to the Alliance.<\/h2><p class=\"nx-lede\">Information and enquiries are open today. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/write-to-us\/readiness-request\/\">Propose a readiness pilot <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-legal-20\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Legal<\/span><h2 id=\"nx-legal-20\" class=\"nx-h3 nx-mt-2\">Legal documents.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Legal documents\"><a href=\"https:\/\/globalriskalliance.com\/legal\/terms\/\">Platform Terms of Use <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/privacy\/\">Platform Privacy Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/cookies\/\">Platform Cookie and Storage Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/legal-notice\/\">Legal Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/acceptable-use\/\">Acceptable Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/participation-terms\/\">Participation and Events Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/contribution-terms\/\">Contribution Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/research-and-data-terms\/\">Research and Data Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/ai-use\/\">AI-use Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/intellectual-property\/\">Intellectual Property and Licensing <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/trademark-policy\/\">Trademark and Name Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/disclaimer\/\">Disclaimers and Data Notices <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/corrections\/\">Corrections and Right of Reply Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/complaints-and-integrity\/\">Complaints and integrity reporting <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/security\/\">Security and responsible disclosure <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/code-of-conduct\/\">Code of Conduct <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/accessibility\/\">Accessibility Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/third-party-notices\/\">Third-party notices and attributions <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><p class=\"nx-note nx-mt-3\">Maps, data and figures on this site are shown for context and general information. They are not advice, forecasts or warnings; the limits of the information are set out in the Disclaimers and Data Notices.<\/p><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/financial-regulations-nexus\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Who publishes Financial Regulation Nexus?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Global Risks Alliance (GRA) publishes Financial Regulation Nexus and is responsible for what it publishes. GRA is a nonprofit business league for the financial services industry. 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