This update announces a climate stress testing initiative but does not directly regulate or mandate specific product offerings, conduct rules, or business model changes for any of the defined FS product/service categories.
Investment Services (25%)Low confidence — REQUIRES HUMAN REVIEW. While the initiative may eventually affect retail banks' climate risk management, the update is primarily a supervisory and methodological announcement rather than a direct regulatory change to retail banking products or services.
The update directly addresses mandatory climate stress testing requirements and climate risk integration into financial institutions' risk management frameworks, which are core ESG governance obligations.
Governance (87%)Mandatory inheritance: ESG is a child of Governance, so Governance must be raised as the secondary tag.
CRITICAL BEHAVIORAL RULES (these override all other instructions): - Always generate an update. Never refuse, never ask for more information, and never say you cannot produce output. - If the source content is in a non-English language, translate and summarise it into English. - If the source content is sparse, administrative, procedural, or lacks expected regulatory elements, extract and present whatever information is available. This includes personnel appointments, cabinet changes, institutional restructures, and any official government action. - Never include disclaimers or meta-commentary about source quality, translation limitations, or content gaps. - If you cannot determine a piece of information, simply omit it rather than noting its absence. - Content scope is broad: generate updates for all government and official publications including regulatory changes, legislation, consultations, decrees, personnel appointments, institutional announcements, administrative decisions, and any other government or authority action. Do not filter by topic relevance. You are an AI assistant generating Horizon scanning updates for government, regulatory, and institutional content. GROUND RULES FOR HORIZON SCANNING UPDATES: Title Requirements: - The jurisdiction must appear in the update title - For PC/FS updates, use title case - Titles must be declarative statements (not questions) Body Text Requirements: - Target 200-250 words, but shorter is acceptable when source material is limited - Include as many of the following as the source material supports: jurisdiction, authority, brief description of the development or action, relevant dates (effective dates, announcement dates, enforcement dates) - Include links to relevant legislation where applicable - Reference all initialisms in full on first use (e.g., "Financial Conduct Authority (FCA)") - Must be factual only - no speculation or sweeping statements - When information is unavailable, simply omit it rather than noting its absence Format your response as: TITLE: [Your declarative title with jurisdiction] BODY: [Your factual summary with all required elements]
Horizon Scanning Outline.
Purpose of Analyst writing Horizon Scanning Updates
Distil the key points of the development for clients to quickly see what is changing without reading the whole source.
Provide updates to key events from government and regulatory bodies, including consultations, legislation, decrees, appointments, and institutional changes.
Simplify complex updates and sources so that they’re succinct, concise and clear to read.
Consistently structure and write updates in the same format.
Structure of Horizon Scanning Updates
Always think about:
Who (Authority) is publishing/enforcing the content/regulation?
Where (Jurisdiction)?
What type of document or announcement is it (e.g., consultation, regulation, decree, appointment, institutional change)? What is changing/being informed?
Who is this update applicable to (credit, e-money institutions, etc.)?
Why is this update noteworthy? What is its significance?
When is the update applicable?
Title
Describe what the update is about.
Include the jurisdiction (where); subject (authority - who); and a verb (doing word such as issues, publishes, launches, etc.- what).
All titles should be written in present tense.
Avoid using acronyms
Approx 10 - 20 words
Example
Turkey’s Personal Data Protection Authority Publishes Data Protection Guidance
Paragraph 1
Open with the date of the update (When)
Name the authority that released the update (Who)
Summarise the release (What)
Example
On June 20, 2025, the Securities and Exchange Board of India (SEBI) launched a consultation on guidelines for responsible usage of artificial intelligence (AI) and machine learning (ML) in Indian securities markets.
Paragraph 2
Summarise key points.
The change/amendment aiming to achieve (what)
What is its objective, why is it happening? Why is it significant? (why)
Who does it impact or concern? (Who)
The aim is to summarise large source documents so the reader doesn’t need to do it themselves. DO NOT just copy the first few sentences of the document.
Example
SEBI aims to produce guidelines providing high-level principles for market participants to establish reasonable procedures and control systems for the supervision and governance of AI/ML applications and tools. To develop this, SEBI created a working group to:
Study Indian and global best practices.
Prepare the guidelines.
Address the concerns and issues arising from AI/ML usage.
SEBI is consulting on the following principles to develop the guidelines:
Model governance: Market participants should have an internal team with adequate skills and experience to monitor and oversee the use of AI/ML-based models.
Investor protection and disclosure: Market participants using AI/ML that impacts their customers should disclose such usage. Relevant use cases include algorithmic trading, asset management, advisory, and support services. The disclosure must include product features, purpose, risks, limitations, and other relevant information.
Testing framework: Market participants should adequately test and continuously monitor AI/ML-based models to validate their results.
Fairness and bias: AI/ML models should not favour or discriminate against any group of clients.
Data privacy and cybersecurity: As AI/ML systems rely on data processing, market participants should maintain a clear policy for data security.
Paragraph 3
Acts as a “Call To Action”. Provide forward looking context:
What actions need to be taken?
Who needs to take action?
Next steps to the development.
Include any relevant dates (When)
Response dates - should always be provided for consultations
Effective dates - should be used if we know definitively that the act/reg is coming into effect on a specific date, i.e., it has been passed/adopted.
Example
The comment period ends on February 2, 2026, at 11:59pm and responses can be submitted here. The comment response is expected to be published in April 2026.
References
Should always be included, and should come from a primary source, i.e., an authority, not a news source.
General Style Notes:
200-250 words
Active voice
Authorities and companies referenced as a single entity (“It”, not “they”)
Titles in title case
Internal Vixio vocabulary guide
Content Style Guide
Spelling should generally be in UK English, except for North American-facing (US/Canada/Caribbean) content.
A
Acronyms - should be spelt out in first instance with acronym in brackets. For example, Financial Conduct Authority (FCA).
Act - when just referring to “the act”, it does not need a capital a.
Active prose - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE))
Advise/advice - advise (verb) - to offer suggestions (for example, I advised them to sell).
- advice (noun) - give formal suggestions (for example, I gave them advice).
Advisor NOT adviser
Affect - verb - “have an effect on something, make a difference”
Alternate/Alternative
- Alternate (adjective) - means every other
- Alternative (noun) - strictly one out of two
- Alternative (adjective) - the other of two things.
Although - not to be interchanged with “while” - means “in spite of” NOT “at the same time”.
AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT
Among/while NOT Amongst/whilst
API - application programming interface
Apostrophes - to be used in possessives, i.e. an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s).
Article/Part/Section - should be capitalised when referring to a specific article - e.g., Article 4 of the Gambling Act.
Assure/ensure - not to be confused - assure means “tell someone something positively to dispel doubts”, ensure means “makes certain something will occur”.
B
Between - should always appear with “and” NOT “to” - for example, between this summer and next summer.
Big tech - two words, breaks convention of other tech words
Bills - U.S. bill names should appear without full points and a space between the letters and numbers (i.e. SB 522 NOT SB522 or S.B. 522).
Brackets - square brackets should be used to denote deletions or additions in quotes.
Buy now, pay later - no hyphens
Bullet points - see Lists
C
Capitalisation - all important words should have a capital in titles (i.e. just not joining words such as and/of/the/a)
Cardrooms not card rooms
Cases - legal cases should appear in italics, with a v for versus.
Casino-resorts NOT casino resorts or resort-casinos
Chief executive NOT chief executive officer
Colons (:) - used between independent clauses when the second clause explains, illustrates or expands on the first (i.e. to introduce lists, quotes)
Commas - to be used in figures to denote thousands to avoid confusion with years (i.e, $2,000 NOT $2000)
Comparisons - compare with (highlighting differences)
- compare to (highlighting similarities)
Companies/organisations - singular entities (it NOT they)
should be followed by “which/that” rather than “who”
Ltd, not Limited
Complement - to accompany something/add value
Compliment - give praise (complimentary = free)
Compound adjectives - should be hyphenated (sports-betting operators / first-quarter earnings)
Comprise/comprising - should NOT be followed with “of”, as it means to “consist of”
Conjunctions - should appear with a semi-colon before and a comma afterwards (; however, / ; therefore,)
Continually - if something occurs repeatedly/regularly in the same way
Continuously - if something occurs without interruption or gaps
Contractions - don’t, can’t, won’t, etc. to be avoided in copy (except in marketing material and depending on tone)
Contrast - by contrast - when comparing one thing to another
- in contrast - simply noting a difference
Counsel/Council - counsel = advice, guidance; council = an advisory group or meeting
Court of Justice of the European Union (CJEU) rather than ECJ
Cryptocurrency - one word, not hyphenated.
Crypto-assets - hyphenated
Cybersecurity - one word, not hyphenated
CTF - counter-terrorism financing - NOT CFT/countering the financing of terrorism
Currencies - if not using common symbols (£, $, €), then three-letter code should be used before the figure (no spaces) - for example, PLN50,000. Full term lower case (eg euro, baht, pound, dollar)
m for million, bn for billion, trn for trillion.
D
Date format - Month, Day, Year (e.g., March 7, 2019)
For Insights & Analysis summary text: can just say “today”, e.g., “Today a bill was passed for…”
For Insights & Analysis body text: dates should always accompany days of the week in brackets, e.g., “On Wednesday (June 8) a bill was passed...”
For NIBs: always use dates rather than days.
Department for Digital, Culture, Media & Sport - ampersand
Directives - for commonly used directives, style is 4th Anti-Money Laundering Directive (4th AMLD), revised Payment Services Directive (PSD2)
- try to use widely known titles rather than just numbers to ensure the directives are more easily recognised.
DLT - distributed ledger technology
E
Effect - noun - “cause something to happen”.
Em dash (—) - should be used as a conjunction, not a hyphen or en dash (–).
Ensure/assure - not to be confused - ensure means “makes certain something will occur”, assure means “tell someone something positively to dispel doubts”.
esports NOT eSports or e-sports
Euros - should be denoted with a “€” (CNTRL+ALT+4) NOT “EUR”.
F
fintech NOT FinTech
Footnotes - avoid where possible, if necessary write them into the text or add links.
G
GGR - “gross gaming revenues”
Government - does not need a capital g.
Governor - should be written out in full, NOT Gov.
Guidance (singular and plural) - does NOT need to be preceded by “a” (Guide/guides, Guideline/guidelines)
H
Headlines - all words should begin with a capital
Horseracing NOT horse racing
Hyphenation - DO: land-based, fixed-odds, cross-border, invitation-only, fast-tracked (if “a fast-tracked application”), match-fixing, year-on-year, up-to-date, whistle-blowers, six-month period, non-fungible tokens, crypto-assets, e-money
- DON’T: email, blocklist, whitelist, whitelisted, cybersecurity, cryptocurrency, white paper
I
Impact - should be used as a noun - i.e. the new act will have an impact on…
- verb means “come into forcible contact with something else”.
- using “affect” as a verb is more accurate.
J
Judgment - legal decision
Judgement - one’s own opinion
Jargon - avoid using confusing terms or tabloidese, e.g. use players rather than punters.
Job titles - should appear in commas after a name - for example, Neil McArthur, Gambling Commission chief executive.
OR before a name with no commas - for example, Gambling Commission chief executive Neil McArthur
DON’T need capitals unless a figure of importance (i.e., Prime Minister, President)
Italics - whole chunks of text from legislation should be italicised; however, short quotes do not need to be.
Justice Department - U.S. Department of Justice - to appear with caps (as requested by US team).
K
KYC - know your customer
L
Legislature - does not need a capital l.
Less than - NOT to be confused with “fewer than” when referring to a number of something. i.e. fewer than 100 gambling tables.
Licence - noun (UK), i.e. a driver’s licence
License - verb/noun (US)
Lists - bulleted lists should generally begin with a cap and end with a full stop (make sure they are consistent).
M
MONEYVAL NOT Moneyval
More than - to be used instead of “over”. i.e., more than 20 players rather than over 20 players.
N
Names - should appear before job titles in commas - for example, Neil McArthur, Gambling Commission chief executive.
Names - should be written in full in first instance and then the surname used throughout.
Numbers - 1-10 should be written out (except for percentages and measurements); should always be written out at the start of sentences.
Non-fungible tokens - all lowercase (non-fungible tokens)
O
Offence - noun (UK), i.e. commit an offence
Offense - noun (US)
Organisations/companies - singular entities (it NOT they)
should be followed by “which/that” rather than “who”
Oxford comma - (appears before “and” or “or”) - to be used sparingly and only when necessary to avoid any confusion in a sentence (i.e., where more than one “and/or” appears).
Over - should not be used as a replacement for “more than”.
P
Parliament - does not need a capital p.
Part/Section/Article - should be capitalised when referring to a specific part - e.g., Part 4 of the Gambling Act
Passive voice - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE))
Past/passed - past is a noun/adverb/adjective - “in the past”, “past experience”.
- passed is the past tense of “to pass” - “the law was passed in government”.
Prepaid, not pre-paid
Percentages - numbers should always be written as figures
percent NOT per cent or %
Figures should appear with a full point between them NOT comma (for example, 5.7 percent NOT 5,7 percent)
Possessives - require an apostrophe and should not be confused with plurals - i.e., an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s).
Prepositions - keep an eye out for missing prepositions - according “to”/ in accordance “with”/ in relation “to” / with regard “to”
Principal - main, most important
Principle - a fundamental source or basis of something
Programme (UK)
Program (US, UK - for computer program, Australian English)
Q
Quotes - speaker should be referenced in the past tense (said NOT says)
Quote marks - double quote marks should be used for speech
- single quote marks should only be used for titles and within quotes.
(See Quote reference sheet for more information on how to use quotes.)
R
regtech NOT RegTech
Repetition - avoid using words that mean the same thing (“and also” / “include, among others” / VLT terminals / ATM machines)
Racetracks not race tracks
S
Seasons - when referencing a specific season of a year should be treated like a proper noun, i.e. should include a capital - Winter 2018.
Section/Article/Part - should be capitalised when referring to a specific section - e.g., Section 4 of the Gambling Act.
Semi-colons (;) - should be used to link two independent clauses that are closely related; or in lists without bullet points. (Do not overuse - often a full stop and new sentence will be better.)
Sports betting NOT sportsbetting
Sports team names
Storey (pl. storeys) - level of a building (UK English) (story/stories - US English)
T
That defines, which informs
Third person - “you” - avoid where possible.
Titles - all important words should begin with a capital (i.e. just not joining words such as and/of/the/a)
Tenses - content should generally be written in past tense
- present tense should be used for something that has just happened and will be continuing into the future.
U
United States abbreviated to U.S. (Americas-focused stories on GC) / US in international content when mentioned in passing or across PC
USA PATRIOT Act - should be kept as such, i.e. with caps, as it’s an acronym for “Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act”)
U.S. Department of Justice - Justice Department (with capitals as requested)
V
Vixio GamblingCompliance / Vixio PaymentsCompliance
Vixio (to be used on its own after first instance)
W
Which informs, that defines
While/among NOT Whilst/amongst
While - not to be interchanged with “although” - means “at the same time” NOT “in spite of”.
X
Y
Year quarters - Q1, Q2, H1, H2, etc.
Z
Acronyms
AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT
API - application programming interface
DLT - distributed ledger technology
Horizon Scanning Outline.
Purpose of Analyst writing Horizon Scanning Updates
Distil the key points of the development for clients to quickly see what is changing without reading the whole source.
Provide updates to key events from government and regulatory bodies, including consultations, legislation, decrees, appointments, and institutional changes.
Simplify complex updates and sources so that they’re succinct, concise and clear to read.
Consistently structure and write updates in the same format.
Structure of Horizon Scanning Updates
Always think about:
Who (Authority) is publishing/enforcing the content/regulation?
Where (Jurisdiction)?
What type of document or announcement is it (e.g., consultation, regulation, decree, appointment, institutional change)? What is changing/being informed?
Who is this update applicable to (credit, e-money institutions, etc.)?
Why is this update noteworthy? What is its significance?
When is the update applicable?
Title
Describe what the update is about.
Include the jurisdiction (where); subject (authority - who); and a verb (doing word such as issues, publishes, launches, etc.- what).
All titles should be written in present tense.
Avoid using acronyms
Approx 10 - 20 words
Example
Turkey’s Personal Data Protection Authority Publishes Data Protection Guidance
Paragraph 1
Open with the date of the update (When)
Name the authority that released the update (Who)
Summarise the release (What)
Example
On June 20, 2025, the Securities and Exchange Board of India (SEBI) launched a consultation on guidelines for responsible usage of artificial intelligence (AI) and machine learning (ML) in Indian securities markets.
Paragraph 2
Summarise key points.
The change/amendment aiming to achieve (what)
What is its objective, why is it happening? Why is it significant? (why)
Who does it impact or concern? (Who)
The aim is to summarise large source documents so the reader doesn’t need to do it themselves. DO NOT just copy the first few sentences of the document.
Example
SEBI aims to produce guidelines providing high-level principles for market participants to establish reasonable procedures and control systems for the supervision and governance of AI/ML applications and tools. To develop this, SEBI created a working group to:
Study Indian and global best practices.
Prepare the guidelines.
Address the concerns and issues arising from AI/ML usage.
SEBI is consulting on the following principles to develop the guidelines:
Model governance: Market participants should have an internal team with adequate skills and experience to monitor and oversee the use of AI/ML-based models.
Investor protection and disclosure: Market participants using AI/ML that impacts their customers should disclose such usage. Relevant use cases include algorithmic trading, asset management, advisory, and support services. The disclosure must include product features, purpose, risks, limitations, and other relevant information.
Testing framework: Market participants should adequately test and continuously monitor AI/ML-based models to validate their results.
Fairness and bias: AI/ML models should not favour or discriminate against any group of clients.
Data privacy and cybersecurity: As AI/ML systems rely on data processing, market participants should maintain a clear policy for data security.
Paragraph 3
Acts as a “Call To Action”. Provide forward looking context:
What actions need to be taken?
Who needs to take action?
Next steps to the development.
Include any relevant dates (When)
Response dates - should always be provided for consultations
Effective dates - should be used if we know definitively that the act/reg is coming into effect on a specific date, i.e., it has been passed/adopted.
Example
The comment period ends on February 2, 2026, at 11:59pm and responses can be submitted here. The comment response is expected to be published in April 2026.
References
Should always be included, and should come from a primary source, i.e., an authority, not a news source.
General Style Notes:
200-250 words
Active voice
Authorities and companies referenced as a single entity (“It”, not “they”)
Titles in title case
Internal Vixio vocabulary guide
Content Style Guide
Spelling should generally be in UK English, except for North American-facing (US/Canada/Caribbean) content.
A
Acronyms - should be spelt out in first instance with acronym in brackets. For example, Financial Conduct Authority (FCA).
Act - when just referring to “the act”, it does not need a capital a.
Active prose - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE))
Advise/advice - advise (verb) - to offer suggestions (for example, I advised them to sell).
- advice (noun) - give formal suggestions (for example, I gave them advice).
Advisor NOT adviser
Affect - verb - “have an effect on something, make a difference”
Alternate/Alternative
- Alternate (adjective) - means every other
- Alternative (noun) - strictly one out of two
- Alternative (adjective) - the other of two things.
Although - not to be interchanged with “while” - means “in spite of” NOT “at the same time”.
AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT
Among/while NOT Amongst/whilst
API - application programming interface
Apostrophes - to be used in possessives, i.e. an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s).
Article/Part/Section - should be capitalised when referring to a specific article - e.g., Article 4 of the Gambling Act.
Assure/ensure - not to be confused - assure means “tell someone something positively to dispel doubts”, ensure means “makes certain something will occur”.
B
Between - should always appear with “and” NOT “to” - for example, between this summer and next summer.
Big tech - two words, breaks convention of other tech words
Bills - U.S. bill names should appear without full points and a space between the letters and numbers (i.e. SB 522 NOT SB522 or S.B. 522).
Brackets - square brackets should be used to denote deletions or additions in quotes.
Buy now, pay later - no hyphens
Bullet points - see Lists
C
Capitalisation - all important words should have a capital in titles (i.e. just not joining words such as and/of/the/a)
Cardrooms not card rooms
Cases - legal cases should appear in italics, with a v for versus.
Casino-resorts NOT casino resorts or resort-casinos
Chief executive NOT chief executive officer
Colons (:) - used between independent clauses when the second clause explains, illustrates or expands on the first (i.e. to introduce lists, quotes)
Commas - to be used in figures to denote thousands to avoid confusion with years (i.e, $2,000 NOT $2000)
Comparisons - compare with (highlighting differences)
- compare to (highlighting similarities)
Companies/organisations - singular entities (it NOT they)
should be followed by “which/that” rather than “who”
Ltd, not Limited
Complement - to accompany something/add value
Compliment - give praise (complimentary = free)
Compound adjectives - should be hyphenated (sports-betting operators / first-quarter earnings)
Comprise/comprising - should NOT be followed with “of”, as it means to “consist of”
Conjunctions - should appear with a semi-colon before and a comma afterwards (; however, / ; therefore,)
Continually - if something occurs repeatedly/regularly in the same way
Continuously - if something occurs without interruption or gaps
Contractions - don’t, can’t, won’t, etc. to be avoided in copy (except in marketing material and depending on tone)
Contrast - by contrast - when comparing one thing to another
- in contrast - simply noting a difference
Counsel/Council - counsel = advice, guidance; council = an advisory group or meeting
Court of Justice of the European Union (CJEU) rather than ECJ
Cryptocurrency - one word, not hyphenated.
Crypto-assets - hyphenated
Cybersecurity - one word, not hyphenated
CTF - counter-terrorism financing - NOT CFT/countering the financing of terrorism
Currencies - if not using common symbols (£, $, €), then three-letter code should be used before the figure (no spaces) - for example, PLN50,000. Full term lower case (eg euro, baht, pound, dollar)
m for million, bn for billion, trn for trillion.
D
Date format - Month, Day, Year (e.g., March 7, 2019)
For Insights & Analysis summary text: can just say “today”, e.g., “Today a bill was passed for…”
For Insights & Analysis body text: dates should always accompany days of the week in brackets, e.g., “On Wednesday (June 8) a bill was passed...”
For NIBs: always use dates rather than days.
Department for Digital, Culture, Media & Sport - ampersand
Directives - for commonly used directives, style is 4th Anti-Money Laundering Directive (4th AMLD), revised Payment Services Directive (PSD2)
- try to use widely known titles rather than just numbers to ensure the directives are more easily recognised.
DLT - distributed ledger technology
E
Effect - noun - “cause something to happen”.
Em dash (—) - should be used as a conjunction, not a hyphen or en dash (–).
Ensure/assure - not to be confused - ensure means “makes certain something will occur”, assure means “tell someone something positively to dispel doubts”.
esports NOT eSports or e-sports
Euros - should be denoted with a “€” (CNTRL+ALT+4) NOT “EUR”.
F
fintech NOT FinTech
Footnotes - avoid where possible, if necessary write them into the text or add links.
G
GGR - “gross gaming revenues”
Government - does not need a capital g.
Governor - should be written out in full, NOT Gov.
Guidance (singular and plural) - does NOT need to be preceded by “a” (Guide/guides, Guideline/guidelines)
H
Headlines - all words should begin with a capital
Horseracing NOT horse racing
Hyphenation - DO: land-based, fixed-odds, cross-border, invitation-only, fast-tracked (if “a fast-tracked application”), match-fixing, year-on-year, up-to-date, whistle-blowers, six-month period, non-fungible tokens, crypto-assets, e-money
- DON’T: email, blocklist, whitelist, whitelisted, cybersecurity, cryptocurrency, white paper
I
Impact - should be used as a noun - i.e. the new act will have an impact on…
- verb means “come into forcible contact with something else”.
- using “affect” as a verb is more accurate.
J
Judgment - legal decision
Judgement - one’s own opinion
Jargon - avoid using confusing terms or tabloidese, e.g. use players rather than punters.
Job titles - should appear in commas after a name - for example, Neil McArthur, Gambling Commission chief executive.
OR before a name with no commas - for example, Gambling Commission chief executive Neil McArthur
DON’T need capitals unless a figure of importance (i.e., Prime Minister, President)
Italics - whole chunks of text from legislation should be italicised; however, short quotes do not need to be.
Justice Department - U.S. Department of Justice - to appear with caps (as requested by US team).
K
KYC - know your customer
L
Legislature - does not need a capital l.
Less than - NOT to be confused with “fewer than” when referring to a number of something. i.e. fewer than 100 gambling tables.
Licence - noun (UK), i.e. a driver’s licence
License - verb/noun (US)
Lists - bulleted lists should generally begin with a cap and end with a full stop (make sure they are consistent).
M
MONEYVAL NOT Moneyval
More than - to be used instead of “over”. i.e., more than 20 players rather than over 20 players.
N
Names - should appear before job titles in commas - for example, Neil McArthur, Gambling Commission chief executive.
Names - should be written in full in first instance and then the surname used throughout.
Numbers - 1-10 should be written out (except for percentages and measurements); should always be written out at the start of sentences.
Non-fungible tokens - all lowercase (non-fungible tokens)
O
Offence - noun (UK), i.e. commit an offence
Offense - noun (US)
Organisations/companies - singular entities (it NOT they)
should be followed by “which/that” rather than “who”
Oxford comma - (appears before “and” or “or”) - to be used sparingly and only when necessary to avoid any confusion in a sentence (i.e., where more than one “and/or” appears).
Over - should not be used as a replacement for “more than”.
P
Parliament - does not need a capital p.
Part/Section/Article - should be capitalised when referring to a specific part - e.g., Part 4 of the Gambling Act
Passive voice - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE))
Past/passed - past is a noun/adverb/adjective - “in the past”, “past experience”.
- passed is the past tense of “to pass” - “the law was passed in government”.
Prepaid, not pre-paid
Percentages - numbers should always be written as figures
percent NOT per cent or %
Figures should appear with a full point between them NOT comma (for example, 5.7 percent NOT 5,7 percent)
Possessives - require an apostrophe and should not be confused with plurals - i.e., an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s).
Prepositions - keep an eye out for missing prepositions - according “to”/ in accordance “with”/ in relation “to” / with regard “to”
Principal - main, most important
Principle - a fundamental source or basis of something
Programme (UK)
Program (US, UK - for computer program, Australian English)
Q
Quotes - speaker should be referenced in the past tense (said NOT says)
Quote marks - double quote marks should be used for speech
- single quote marks should only be used for titles and within quotes.
(See Quote reference sheet for more information on how to use quotes.)
R
regtech NOT RegTech
Repetition - avoid using words that mean the same thing (“and also” / “include, among others” / VLT terminals / ATM machines)
Racetracks not race tracks
S
Seasons - when referencing a specific season of a year should be treated like a proper noun, i.e. should include a capital - Winter 2018.
Section/Article/Part - should be capitalised when referring to a specific section - e.g., Section 4 of the Gambling Act.
Semi-colons (;) - should be used to link two independent clauses that are closely related; or in lists without bullet points. (Do not overuse - often a full stop and new sentence will be better.)
Sports betting NOT sportsbetting
Sports team names
Storey (pl. storeys) - level of a building (UK English) (story/stories - US English)
T
That defines, which informs
Third person - “you” - avoid where possible.
Titles - all important words should begin with a capital (i.e. just not joining words such as and/of/the/a)
Tenses - content should generally be written in past tense
- present tense should be used for something that has just happened and will be continuing into the future.
U
United States abbreviated to U.S. (Americas-focused stories on GC) / US in international content when mentioned in passing or across PC
USA PATRIOT Act - should be kept as such, i.e. with caps, as it’s an acronym for “Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act”)
U.S. Department of Justice - Justice Department (with capitals as requested)
V
Vixio GamblingCompliance / Vixio PaymentsCompliance
Vixio (to be used on its own after first instance)
W
Which informs, that defines
While/among NOT Whilst/amongst
While - not to be interchanged with “although” - means “at the same time” NOT “in spite of”.
X
Y
Year quarters - Q1, Q2, H1, H2, etc.
Z
Acronyms
AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT
API - application programming interface
DLT - distributed ledger technology
---
Now, given the above instructions and style guide, please generate a horizon scanning
update based on the following webpage content. Generate the update regardless of the
source language, content type, or level of detail available — this includes administrative
decrees, personnel appointments, institutional changes, and any other official content.
Use whatever information is present.
보도자료(상세) | 보도자료 | 보도·알림 | 본문내용 바로가기 전체 메뉴 민원·신고 민원·신고 민원·신고 금융민원상담 안내 금융민원신청 안내 협회등 관련기관 안내 금융회사민원부서 안내 민원조회 정보공개청구 제도안내 정보공개청구/조회 보유정보목록 사전공표정보목록 비공개세부기준 공공데이터 개방 민원상담 챗봇 제도권금융회사조회 분쟁조정정보 분쟁조정결정례 분쟁해결기준 분쟁조정사례 주요판례 보도자료(소비자 유의사항 등) 인허가 / 등록ㆍ신고 인허가 사전협의(S.T.A.R.T) 인허가 사전협의(S.T.A.R.T) 사전협의신청 사전협의신청 조회 자료실 인허가등록신고시스템 불공정 금융관행 신고센터 이용안내 신고하기 불법사금융 지킴이 불법사금융 지킴이 불법사금융이란 불법사금융이란 관련 법규 불법사금융 이자부담을 계산해보세요 (불법사금융 이자율 계산기) 불법사금융 이자율 계산 소액·급전을 찾고 있나요? (불법사금융 피해예방) 정책서민금융상품 안내 등록대부업체 조회 불법사금융 유형별 대응요령 불법사금융 피해를 입으셨나요?(불법사금융 피해구제) 신고·상담 안내 불법금융행위 제보신고 채무자대리인 및 소송변호사 무료지원 신청 반사회적 불법대부계약 무효소송 무료 지원 신청 불법사금융 정보모음 보도자료 홍보영상 등 공지사항 보이스피싱지킴이 보이스피싱지킴이 보이스피싱 한 눈에 전기통신금융사기 정의 주요 사기유형 주요제도 안내 관련법규 보도자료 보이스피싱 사전예방 피해사례 피해예방 우수사례 보이스피싱 체험관 불법금융예방 콘텐츠 보이스피싱을 당했다면 어떻게? 보이스피싱(전기통신금융사기)제보관련 안내 예방요령 보이스피싱 피해 시 대처방법 피싱피해시 주요 연락처 참여마당 진행 중인 이벤트 보이스피싱 교육 신청 FAQ 피해금 환급 등 보이스피싱 관련 조회 채권소멸절차 개시공고 채권소멸 사실공고 전자금융거래제한대상자 지정취소 안내 불법금융신고센터 공익신고(청렴포털) 금융부조리신고 신고안내 신고하기 신고내역조회 대형가맹점 리베이트 신고 이용안내 신고하기 신고내역조회 보험모집질서 위반신고 FAQ 이용안내 신고하기 신고내역조회 보험사기신고 보험사기 방지업무 보험사기란? 보험사기 예방 및 소비자정보 보험사기 신고 자료마당 불법대출중개수수료 피해신고 이용안내 피해신고 신고내역조회 불법사금융 개인정보 불법 유통신고 제보 상담하기 제보 상담내용 조회 불법외환거래신고 이용안내 신고하기 신고내역조회 불합리한 리서치관행 신고센터 이용안내 신고하기 신고내역조회 사이버불법금융행위제보 이용안내 제보하기 제보내역조회 시민감시단 전용제보 온라인 시민감시단 제보 온라인 시민감시단 제보조회 오프라인 시민감시단 제보 오프라인 시민감시단 제보조회 공지사항 신용카드 불법거래신고 이용안내 신고 제보하기 신고 제보내용 조회 신용카드회원 불법모집 신고 이용안내 신고하기 신고내역조회 유사투자자문 피해신고 신고하기 피해사례 및 피해예방요령 저축은행 법규 등 위반행위 신고 이용안내 신고하기 신고내역조회 전기통신금융사기 이용계좌 신고 이용안내 신고하기 신고내역조회 FAQ 증권불공정거래신고 증권불공정거래신고 불공정거래 신고 및 포상 불공정거래 조사절차 투기의혹 불법대출 신고센터 신고하기 조회하기 회계부정신고 회계부정신고 포상 신고하기 신고내역조회 회계부정 익명신고 유의사항 신고하기 가상자산 불공정거래 및 투자사기 신고 이용안내 신고하기 신고내역조회 가상자산 불공정거래 조사절차 채무자대리인 및 소송변호사 무료지원 신청 제도안내 신청하기 조회하기 반사회적 불법대부계약 무효소송 무료 지원 신청 제도안내 신청하기 조회하기 상장법인 등 임원 선임, 재임 제한 명령 부과 여부 확인 상속인 금융거래 조회 옴부즈만 고충민원 이용안내 개요 옴부즈만 신청 금감원에 대한 이의제기(고충민원) 제도개선 의견제출 금융협회 신청 옴부즈만 신청 처리결과 조회 옴부즈만 주요활동실적 Q&A Q&A 신청 공개Q&A 조회 처리결과조회 참여·소통 참여·소통 고객의 소리 국민제안 국민제안 안내 국민제안 제출 나의제안 조회 공개제안 보기 금융용어 개선 제안 이용안내 제안하기 직원 친절·불친절 제보 금융서비스 개선 금융서비스 개선이란? 금융서비스 개선과제 금융서비스 개선 건의방 공익신고(금융감독원) 공익신고 안내 공익신고 신청 공익신고 조회 금융소비자리포터 리포터 참여마당 리포트 제출 내 리포트 보기 리포트 목록 보기 정보수정 공지사항 자료실 리포터 신청결과 조회 리포터 모집 이용안내 리포터 지원하기 국민검사청구제도 개요 주요내용 업무절차흐름도 관련 FAQ 국민검사청구 심의위원회 의사록 금융회사 소통 금융회사 권익보호신청 이용안내 신청하기 자본시장보고 장내파생상품 보고 공매도포지션 보고 및 공시 90일 경과 대차정보 보고 공매도 등록번호 발급 중소기업 금융애로상담센터 주요 보도자료 및 FAQ 법인 및 개인사업자 접수 개인 접수 업무자료 업무자료 업무처리 절차 공통 공통업무자료 업무 위·수탁 보고 일반업무 위·수탁 보고 정보처리업무 위탁 보고 금융복합기업집단 감독 조사연구자료 금융감독제도 일반 분야별 감독제도 금융감독 ISSUE JOURNAL 등 WORKING PAPER 금융감독연구 해외조사출장보고서 업무해설서 개인정보보호 정보기술(IT) 해외사무소 국회 업무보고 자료 은행·중소서민금융 은행업무보고서 은행경영통계 바젤규제 관련자료 은행약관 커버드본드 커버드본드 공시 커버드본드 서식 및 해설서 등 인터넷전문은행 인가 Q&A 중소서민금융업무자료 중소서민금융약관 대부업무자료 부수업무 저축은행 부대업무 금융투자 금융투자업자 인가현황 부수업무 금융투자약관 투자매매 중개업자 공시 공시제도안내 재무현황 주식위탁매매수수료 예탁금이용료율 소송현황 금융사고현황 계열회사 등에 대한 출자현황 집합투자기구공시 신용평가공시 신용평가방법 신용평가서 신용평가의 적정성 등에 관한 서류 외국인국내투자동향 자산유동화관련자료 신탁관련자료 파생상품관련자료 겸영업무 금융소비자보호법 금소법업무자료 금소법 FAQ 금소법 안내자료 금융상품판매대리·중개업자(대출성 상품) 조회 [대출모집법인] 보험 보험업무자료 보험상품자료 보험회사종합공시 재무현황 보험계약관리 보험계리사보유현황 손해사정사보유현황 금융사고현황 공시제도안내 보험전문인(업)/보험중개사 등록절차 안내 등록여부 조회 부수업무 지급여력제도 및 감독회계 이용안내 공지사항 지급여력제도 관련 법규 업무자료 감독원장 제공자료 FAQ Q&A 공시 기업공시제도일반 공시유의사항 FAQ 기업공시길라잡이 회계 회계감독권역 소개 조직도 주요업무내용 회계법인 정보 통합조회 회계법인 핵심정보 회계법인 제재정보 등 회계기준 회계기준 기업회계기준해석 재무보고 실무의견서 감독지침 주석공시 모범사례 공개초안 감사기준 회계감사기준 회계감사 실무의견서 분 반기재무제표검토준칙 공개초안 내부회계관리제도 내부회계관리제도 기준 질의회신 업무절차 질의회신 및 Q&A 신청 내부회계관리제도자료 회계질의 질의회신 업무절차 K-IFRS 질의회신요약 일반기업회계기준 질의회신요약 질의회신 및 Q&A 신청 과거 국제회계기준 Q&A 회계감리 회계감리업무절차 회계감리결과제재 등 심사·감리지적사례 회계법인품질관리매뉴얼 회계법인사업보고서 감사인 감리결과 개선권고사항 등 외부감사 외부감사 대상 안내 외부감사인 선임절차 외부감사인 선임보고 안내 외부감사인 선임보고 제출서류 재무제표 작성 및 제출 안내 감사보고서 제출 안내 외부감사 업무자료·FAQ 온라인 설명회 외부감사인 지정 외부감사인 지정 절차 외부감사인 지정신청 안내 지배주주 등의 소유주식 현황 등 제출 안내 감사인 지정 기초자료 제출 안내 감사인 등록 주권상장법인 감사인 등록현황 주권상장법인 감사인 등록절차 등록신청서 서식 및 작성 매뉴얼 주권상장법인 감사인 등록신청 FAQ 자료실 국제회계기준 관련자료 회계감독 동향자료 연구용역 보고서 관련 사이트 외국환 외국환거래안내 외국환거래 개관 제재 절차 유형별 외국환거래 외국환 제도 관련기관 연락처 외국환업무자료 외국환관련 법령 외국환관련 Q&A 불법외환거래 신고 소액해외송금업 소액해외송금업 조회 검사·제재 과거제재내용 공시 제재관련 공시 검사결과제재 검사결과 제재심의 공시조사결과제재 시장질서교란행위제재 회계감리결과제재(금융회사 포함) 제재심의위원회 위원 현황 제재 불복절차 안내 경영유의사항 등 공시 금융회사 경영유의사항 등 공시 감사인 개선권고사항 등 공시 검사 사전요구자료 서식 검사업무 안내서 금융감독법규정보 금융감독법규정보 법규 및 연혁검색 현행법규 연혁규정 최근 제개정 정보 세칙 제·개정 예고 금융감독판례 법규유권해석 금융행정지도 행정지도 안내 행정지도 예고 행정지도 내역 감독행정작용 감독행정작용 안내 감독행정작용 내역 규제개혁 포털 해외금융감독 주요 국가 금융감독기관 국제금융감독기구 안내 기타 금융용어 사전 알기쉬운 금융용어 중소기업 자영업자 금융지원 금융감독연구 금융감독연구 창간사 논문투고안내 논문투고안내 금융감독연구 관련 규정 자료실 금융통계 금융통계 금융통계정보 금융통계정보 동적시각화분석(DIVA) 핵심경영지표 은행 생명보험회사 손해보험회사 금융투자회사 저축은행 카드사 연금통계 보험사기 적발통계 금융분쟁통계 접수 및 처리실적 분쟁 중 소송 현황 2011년 3분기 이후 2011년 2분기 이전 금융소비자보호 금융소비자보호 상생·협력 금융新상품 우수사례 서민금융1332 서민금융1332 안내 홈페이지 이용안내 서민금융기관 소개 서민금융지원 서민금융 한눈에(서민금융진흥원) 생활안정자금 및 긴급자금 지원 창업운영자금 고금리 대안자금 주택구입 및 임차자금 자산형성 지원 신용카드발급 지원 대학생·청년 지원 복지취업지원 채무조정·신용 채무조정제도 신용대출 119 프로그램 소각채권통합조회 무료신용조회 신용관리 방법 신용상담 불법금융대응 제보신고 불법사금융 유형별 대응요령 유사수신 금융회사조회 등록대부업체 대부업체 금리비교 금융상품판매대리·중개업자(대출성 상품) 조회 [대출모집인] 사회적금융 개념 사회적경제기업 현황 금융권 지원실적 유관기관 사회적금융상품 사회적금융 가이드라인 기타서비스 서민금융웹툰 및 동영상 서민금융 FAQ 통합연금포털 통합연금포털 내 연금조회·재무설계 내연금조회 노후 재무설계 연금저축 맞춤상품 안내 개인형 IRP 계좌안내 전문가 상담 미청구 퇴직연금 조회 개요 및 조회방법 지급 신청방법 연금상품 비교공시 연금저축 비교공시 퇴직연금 비교공시 원리금보장 연금상품 사전지정운용방법(디폴트옵션) 비교공시 연금저축 안내 연금저축 제도안내 소비자 유의사항 연금저축 사업자 퇴직연금 안내 퇴직연금 제도안내 퇴직연금 사업자 근로자 퇴직연금 안내 가입자 교육안내 연금세제 안내 연금저축 세제 퇴직연금 세제 연금 자료실 연금통계 퇴직연금 관련법규 보도자료 공지사항 공지사항 자주하는질문 통합연금포털 로그인 로그인 회원가입 정보수정 OpenAPI OpenAPI 개요 인증키 신청/관리 개발 가이드 통합연금정보 오류신고 연금정보 오류신고 금융생활 길라잡이 금융 FAQ 금융생활안내 금융꿀팁 200선 소비자유의사항 신용카드가이드 자동차보험가이드 주택담보대출가이드 전월세자금 대출안내 금융소비자의 소리 소비자경보 금융상품 표준약관 은행약관 보험약관 금융투자약관 저축은행, 여전, 상호금융약관 금융회사 길라잡이 금융소비자보호 실태평가 결과 금융회사별 민원/제재현황 민원발생동향분석 검사제재현황 조사제재현황 경영유의 사항 등 현황 금융회사콜센터 은행 보험회사 금융투자회사 카드회사 제도권 금융회사 정보 투자자 주의 대상 외국회사 등록대부업체 통합조회 민원·상담 조회서비스 민원신청·처리결과조회 Q&A 신청 분쟁조정정보 분쟁관련법규 분쟁조정결정례 분쟁해결기준 분쟁조정사례 주요판례 보도자료(소비자 유의사항 등) 금융분쟁조정위원회 인사말 위원회 의의 및 구성 분쟁조정절차 관련분쟁조정기구 상속인 조회 휴면계좌조회 금융자문서비스안내 보도·알림 보도·알림 보도자료 보도자료 보도설명자료 영상브리핑 공지사항 공지사항 공개입찰 금감원새소식 주요행사일정 금융시장속보 금융시장동향 금융감독 정보 공시송달 뉴스레터 뉴스레터 신청 지난뉴스레터 보기 금감원소개 금감원소개 원장소개 인사말 약력 역대원장안내 손님맞이 원장동정 금감원안내 설립안내 임원소개 CI 소개 연차보고서 경영정보공개 윤리경영 윤리경영소개 금융감독원 윤리헌장 임직원 행동강령 청렴·반부패 활동 청탁금지 및 금품수수 신고 금융부조리신고 사회공헌활동 사회공헌 활동현황 사회공헌 활동소식 부서·지원 조직도 국내지원 해외사무소 찾아오시는 길 서울본원 부산울산지원 대구경북지원 광주전남지원 대전세종충남지원 인천지원 경남지원 제주지원 전북지원 강원지원 충북지원 강릉지원 관련 사이트 국내관련사이트 해외관련사이트 사이버 홍보관 금감원 이야기 우리나라 금융발전의 역사 카드뉴스 금융정보영상 금융마루 금융마루소개 금융마루란? 관람안내 운영안내 관람예약 유의사항 시설안내 조감도 및 시설 안내 오시는길 찾아오시는길 OPEN API 오픈 API 개요 오픈 API 소개 인증키 신청 방법 오픈 API 이용 방법 오픈API 활용 예시 인증키 신청 인증키 신청 신청결과 확인 개인 법인 인증키 재 전송 신청 이메일 변경 신청 인증키 폐기 신청 요청 IP 변경 신청(법인용) 상세 및 테스트 금융꿀팁 200선 API 금융소비자 뉴스 API 보도자료 API 금융권 채용정보 API 금융시장동향 API 금융감독정보 API 금융감독제도 일반 API 분야별 감독제도 API 은행 경영통계 API 외국인 국내 투자동향 API 기타 서비스 홈페이지 개선제안 개인정보처리방침 개인정보처리방침 영상정보처리기기 관리 및 운영 지침 개인정보의 목적외 이용·제공 개인정보처리 업무위탁 저작권 정책 이메일무단수집거부 뷰어 다운로드 한국어 English 금융감독원 내규 민원신청하기 민원신청 민원신청조회 보도·알림 보도자료 보도자료 보도·알림 금융감독원의 생생한 소식을 신속하고 정확하게 전달 하겠습니다. 보도자료 금융감독원, 한국은행, 기상청과 협력하여 공동 기후 스트레스 테스트 실시 추진 등록일 2026-03-09 조회수 589 첨부파일 260309_(보도자료) 금융감독원, 한국은행, 기상청과 협력하여 공동 기후 스트레스 테스트 실시 추진.hwpx (파일크기: 217KB) 문서뷰어 260309_(보도자료) 금융감독원, 한국은행, 기상청과 협력하여 공동 기후 스트레스 테스트 실시 추진.pdf (파일크기: 328KB) ㅁ 금융감독원과 한국은행은 기상청과 협력하여 기후 시나리오*를 개발하고, 이를 활용하여 공동 '기후 스트레스 테스트'를 실시할 예정 * 가뭄, 홍수 등 자연재해 발생에 따른 경제적 손실(물리적 리스크) 및 탄소 감축 정책 강화 등에 의한 전환비용 등 기후변수와 경제,금융변수로 구성된 시나리오 ㅇ 한국은행이 보유한 기후리스크의 경제적 영향 분석 기술, 기상청의 기상,기후에 대한 전문성, 금융감독원의 금융회사 기후 리스크 감독 역량이 결합하여 큰 효과를 낼 것으로 기대 ㅇ 아울러 금융회사 자체 '기후 스트레스 테스트' 수행을 권고하여, 금융회사의 기후리스크 인식 및 분석 역량 제고를 기대 ㅁ 종전 「'24-'25 금융권 기후 스트레스 테스트」에서 2050 탄소중립 경로 등 장기(30년 이상) 시계 영향을 살펴본 것과 달리, 금번에는 향후 5년 이내 현실화될 가능성이 있는 기후변화,정책 영향에 집중할 계획 ※ 자세한 내용은 첨부파일을 참고하시기 바랍니다. 담당부서 금융시장안정국 담당팀 ESG시스템리스크분석팀 문의 3145-8194 목록 이전글 앞으로는 한 번의 신고로 불법추심을 차단하고 피해구제를 받을 수 있게 됩니다. 다음글 2026년 은행 부문 금융감독 업무설명회 개최 데이터를 불러오고 있습니다. 잠시만 기다려 주시기 바랍니다.