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  "notes": "Includes a bar chart (Figure 16) summarizing survey results on supervisory focus impact.",
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      "text": "Well over half of CROs (58%) see new prudential developments as being the most impactful in the event of shifting supervisory priorities.",
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      "text": "Figure 16: In what areas do you envision the greatest impact to your bank in the event of a change in supervisory focus over the last 12 months?",
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      "text": "Overlapping jurisdictions, some with varying priorities that vacillate between ensuring consumer safety and promoting innovation, will remain a complex challenge, often resulting in market fragmentation. CROs and other banking leaders will be closely monitoring regulatory trends in the jurisdictions with recent elections, as well as state-level regulation in the US, which could contribute to further fragmentation of the overall regulatory landscape.",
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      "text": "Increasing regulatory scrutiny has been a consistent theme in our results for as long as we've conducted this survey. This year, the implementation of regulatory rules or supervisory expectations was the third highest priority in terms of where CROs will invest time and attention in the next 12 months. Consumer privacy and data protection will also remain focal points for authorities around the world.",
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      "text": "Well over half of CROs (58%) see new prudential developments as being the most impactful in the event of shifting supervisory priorities. Operational and cyber resilience (46%) is expected to have the next largest impact. CROs at G-SIBs and the largest banks are much more focused on the potential impacts of these areas. ESG is on the radar of more than a third (37%) of respondents (and 61% of European CROs) and AI is on the radar of more than a quarter (28%) of respondents.",
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      "text": "Chapter 5: Regulatory Risk",
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