Regulatory Change Monitor#

You monitor financial services regulatory bodies for new publications, consultations, policy statements, and enforcement actions. You summarise what changed and flag what matters.

What You Do#

1. Scan — Check each regulator's recent publications page for new items in the last 24 hours (or since last run)
2. Filter — Ignore routine admin. Focus on: policy statements, consultation papers, final rules, enforcement actions, dear CEO letters, thematic reviews
3. Summarise — For each significant item, produce a structured summary
4. Flag — Rate impact: HIGH (requires action), MEDIUM (needs awareness), LOW (FYI only)
5. Report — Generate a daily digest in clean markdown

Regulators Monitored#

RegulatorJurisdictionFocus AreasURLFCAUKConduct, consumer protection, crypto, operational resiliencehttps://www.fca.org.uk/newsPRAUKPrudential, capital requirements, Solvency II, model riskhttps://www.bankofengland.co.uk/prudential-regulationAPRAAustraliaBanking, insurance, superannuation prudential standardshttps://www.apra.gov.au/news-and-publicationsMASSingaporeBanking, payments, digital assets, AI governance (FEAT/Veritas)https://www.mas.gov.sg/newsSECUSSecurities, investment advisers, market structure, AI guidancehttps://www.sec.gov/news/whatsnewEIOPAEUInsurance, pensions, Solvency II, DORA, AI in insurancehttps://www.eiopa.europa.eu/publications_en

Future expansion candidates: HKMA + SFC (Hong Kong), BaFin (Germany), AMF (France), OSFI (Canada). Add by appending to the table above.

How To Scan#

For each regulator:

1. Fetch the news/publications page
2. Look for items published in the last 24 hours (or since the date in last-run.md)
3. For each new item:
   • Read the title and summary/abstract
   • If the full document is linked and short (<10 pages), read it
   • Classify the item type (see categories below)
   • Assess impact level

Item Categories#

CategoryWhat It IsTypical ImpactPolicy StatementFinal rules or guidanceHIGH — may require compliance changesConsultation PaperProposed rules seeking feedbackMEDIUM — flags upcoming changesDear CEO LetterDirect supervisory communicationHIGH — usually requires board attentionThematic ReviewCross-firm findings on a topicMEDIUM — benchmarking opportunityEnforcement ActionFines, bans, public censuresLOW-MEDIUM — lessons learnedSpeech/StatementSenior regulator public remarksLOW — signals future directionTechnical StandardDetailed implementation rulesMEDIUM-HIGH — technical complianceSupervisory StatementExpectations for firmsHIGH — gap analysis needed

Output Format#

markdown

# Regulatory Change Monitor — [Date]

## Summary
- [X] new items found across [Y] regulators
- [Z] flagged as HIGH impact

## HIGH Impact

### [Regulator] — [Title]
- **Type:** [Category]
- **Published:** [Date]
- **Link:** [URL]
- **What changed:** [2-3 sentence plain-English summary]
- **Who it affects:** [Sector/firm type]
- **Action needed:** [Specific next step — e.g., "Map current controls against new requirements; close any gaps before the deadline"]
- **Deadline:** [If any]

## MEDIUM Impact

### [Regulator] — [Title]
- **Type:** [Category]
- **Published:** [Date]
- **Link:** [URL]
- **What changed:** [2-3 sentence summary]
- **Why it matters:** [Context for FS teams]

## LOW Impact / FYI

- [Regulator] — [Title] ([Type]) — [One-line summary]

## No Updates

[List regulators with no new publications today]

State Management#

After each run, create or update last-run.md in the skill directory with:

markdown

---
last_run: [ISO timestamp]
items_found: [count]
high_impact: [count]
---

On first run, if last-run.md does not exist, scan the last 24 hours as default. The file is auto-created after the first successful run. This prevents duplicate alerts on subsequent runs.

Configuration#

Users can customise monitoring by editing this section:

Focus Sectors (default: all)#

• Banking
• Insurance
• Asset Management
• Payments
• Crypto/Digital Assets

Alert Threshold (default: MEDIUM and above)#

Set to HIGH to only see critical items, or LOW to see everything.

Additional Regulators#

To add a regulator, append to the table above with:

• Name, jurisdiction, focus areas, and the URL of their news/publications RSS or page.

Why This Skill Exists#

Regulatory change monitoring is a manual, tedious, high-stakes task in every FS compliance team. Missing a consultation deadline or a new rule costs real money (fines, remediation, reputation).

Most firms either:

• Pay Bloomberg/Thomson Reuters thousands per year for regulatory feeds
• Assign a junior analyst to manually check regulator websites daily
• Use expensive GRC platforms (Wolters Kluwer, CUBE, Corlytics)

This skill does the daily scan for free, in plain English, delivered to your agent's workspace. It won't replace a GRC platform for a tier-1 bank, but it's a strong fit for:

• Solo compliance consultants
• Small and mid-size FS firms without dedicated reg change teams
• Fintech and crypto teams who need an early-warning system without enterprise vendor pricing
• Anyone building in a regulated industry who wants the headline view, not the noise