As part of Governor Cuomo's commitment to protecting users of financial products and services, New York State's Department of Financial Services (NYDFS) has taken additional steps to address identified deficient practices and failures of consumer credit reporting agencies.
On September 18, 2017, NYDFS released a regulation, 23 NYCRR 201, that requires consumer reporting agencies to register with the Superintendent of NYDFS by February 1, 2018 in order to do business with any New York State resident. As part of the new regulation, consumer reporting agencies must establish and maintain a cybersecurity program designed to protect consumer data and manage cyber risk while also following the compliance requirements of 23 NYCRR 500.
To learn more about the requirements of the regulation as well as A&M’s recommended approach for consumer credit reporting agencies, read our tear sheet here.
Bank Deregulation Primer - May 2026
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In October 2025, we published our first edition of the Bank Deregulation Primer focused on capital deregulation proposals for the top 19 global banks and their pro forma impact. In the second edition of our Bank Deregulation Primer, we now assess the latest wave of regulatory developments and their implications.
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Asia and the Middle East are seeing a convergence – where wealth mobility, geopolitical realignment, and generational transition intersect. For insurance companies, private banks and financial advisors in or serving Asia, this dynamic presents a dual opportunity.
If Everyone Builds, Who Owns the Seams? Governing AI with Managed Composability
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AI has reduced friction from building software. However, governance within capital markets has not moved with it.
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The next 24 months will decide which third-party administrators (TPA) still matter in an AI-native market. The playbook that built today’s leaders will not build the next decade’s winners.
