Adapting to regulatory change in 2025 and beyond

Suade recently hosted a roundtable in the Netherlands, bringing together industry leaders to discuss the evolving regulatory landscape and its impact on financial institutions. With shifting global policies and major regulatory updates across the EU, UK, and US, banks must ensure they are prepared for the challenges ahead. Below are some of the key discussion points from the session. 

Are banks prepared for regulatory change? 

With increasing regulatory complexity, financial institutions must remain agile in their compliance strategies. The discussion highlighted the growing need for automated solutions to replace outdated manual processes, ensuring banks can quickly adapt to new requirements. Many institutions are still struggling with data fragmentation and inefficiencies in their reporting frameworks, reinforcing the urgency of investment in RegTech solutions that streamline compliance. 

A key concern raised was the readiness of banks to meet the expanded disclosure requirements under CRR III, DORA, and Basel frameworks. Institutions that leverage automation and standardised data models are positioning themselves ahead of the regulatory curve, reducing operational burdens and improving reporting accuracy. 

Key regulatory developments 

Recent regulatory updates are reshaping compliance obligations across jurisdictions. Some of the most impactful developments include: 

• EU’s CRR III implementation – Now in force, CRR III introduces a phased approach to capital requirements, risk weighting adjustments, and enhanced disclosure obligations, reinforcing financial stability across the bloc. 
• DORA (Digital Operational Resilience Act) – Effective from January 2025, DORA imposes stringent ICT risk management and incident reporting requirements on financial institutions and third-party providers. The focus on cyber resilience and operational continuity will require firms to strengthen their digital infrastructure. 
• SEC and ESMA's crypto regulations – With increased scrutiny over digital assets and decentralised finance (DeFi), regulatory authorities are pushing for enhanced transparency and investor protections. 

These updates highlight the global trend towards stricter compliance and greater accountability. Firms that proactively integrate regulatory changes into their reporting frameworks will benefit from improved efficiency and reduced regulatory risk. 

UK Basel 3.1 delay and US Basel Endgame implementation 

The PRA's decision to delay Basel 3.1 implementation until 2027 was a major topic of discussion. While the delay allows more time for banks to prepare, it also creates uncertainty around capital planning and stress testing. The industry must assess the impact of this extended timeline while ensuring that project momentum is maintained. 

Meanwhile, the US Basel Endgame implementation remains a source of debate. With significant pushback from industry groups, regulators are reconsidering certain aspects of the framework, particularly around capital neutrality and risk-weight calculations. The uncertainty surrounding US policy could influence global banking strategies, particularly for firms operating across multiple jurisdictions. 

Lessons learned from CRR III implementation 

The roundtable concluded with reflections on the challenges and best practices from CRR III implementation. Some of the key lessons included: 

• Investing in scalable compliance solutions – Banks that relied on legacy systems faced significant implementation challenges, while those leveraging modern RegTech solutions saw greater efficiency in meeting the new requirements. 
• Proactive regulatory engagement – Institutions that actively engaged with regulators throughout the implementation phase benefited from greater clarity and streamlined compliance. 
• Harmonising data standards – Ensuring that risk and capital reporting are consistent across jurisdictions is critical, particularly for multinational banks navigating multiple regulatory regimes. 

How Suade can help 

Suade provides end-to-end automation of regulatory reporting for financial institutions, ensuring compliance with evolving global standards. Our platform streamlines reporting, reduces manual processes, and enhances data accuracy, helping banks stay ahead of regulatory change. 

With increasing regulatory demands such as Basel III, PRA, and EBA requirements, banks need a scalable solution that eliminates inefficiencies and strengthens risk control. Suade delivers a seamless, automated approach to compliance, trusted by financial institutions worldwide. 

Book a demo to see how Suade can transform your regulatory reporting and future-proof your compliance strategy.