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While access to finance has grown, market concentration and high costs remain. Brazil, India, and the UK prove that when financial regulators prioritize competition through policy, they can lower prices and improve variety for all consumers.
To scale inclusive insurance, we must move from creating frameworks to making them investable. Here, we highlight how shifting toward risk-based approvals, cross-agency coordination, and institutionalized public-private dialogue can turn regulatory friction into market-ready solutions.
What does it take to move an entire financial sector toward gender equality? In Mexico, the answer is emerging: shared accountability, institutional reform, and collective action.
Using disaggregated data—by gender, age, and location—can improve financial inclusion. Using CGAP's pilot with NBR in Rwanda as an example, we show how segmented insights help regulators and providers identify gaps, reduce bias, and better serve vulnerable groups.
As open finance grows, clear liability frameworks are essential to protect consumers from fraud and data leaks. This blog explores how global regulators can build trust through better accountability, stronger consent, and collaborative oversight.
How do modern regulators keep up with rapid innovation? By rebuilding their regulatory DNA: clear vision, adaptive policy, digital infrastructure, and data-driven SupTech. Here, we break down the strands shaping the future of financial regulation.
Savings groups offer vital, community-run savings and loans, thriving even in fragile contexts. But rising government regulation in some countries risks harming them unless policies remain proportionate and risk-based.
Regulating innovation requires regulators to acquire new skillsets, most urgently around data and cybersecurity. Are they hiring experts in those fields? New CGAP analysis looking at leading innovative authorities provides some answers.
The recently revised FATF Standards create new opportunities to apply proportionate AML/CFT measures that recognize women’s generally lower risk, helping close the gender gap in financial inclusion if policymakers act intentionally.
While new FATF updates aim to combat money laundering, financing of terrorism, and fraud, they also raise important questions about how implementation will affect financial inclusion. We offer analysis on Recommendation 16 (or the 'Travel Rule').
The Financial Action Task Force (FATF) recently adopted a revised travel rule for payments and value transfers – known as Recommendation 16 (R.16). The adoption of the rule raises some important questions – why was this revision required and what is the scope of the changes?
The FATF just adopted a revised version of its guidance on anti-money laundering and combating the financing of terrorism (AML/CFT) and financial inclusion. Several other updates came out of the meeting, with implications for financial inclusion work - CGAP offers an analysis of these updates.
As the financial landscape grows more complex, integrating gender into regulatory data will help financial sector authorities fulfill their mandates more effectively, contributing to a more inclusive, responsible, safe, and sustainable financial sector.
How can public authorities support the financial sector to harness the power of AI while ensuring it operates within safe and ethical boundaries? Here, we propose three key considerations that could enable the responsible use of AI in finance.
The FATF is consulting on revisions to its travel rule that will affect all payments. However, the changes pose a threat to the speed, cost, and inclusiveness that the international community expects from global remittances. So why the change?
AI is not a novel concept in finance; so, what is driving renewed interest in addressing regulatory gaps around the technology? CGAP desk research covering more than 100 jurisdictions identified five key global developments in AI regulation.
While FATF’s revised AML/CFT Guidance makes strides toward promoting financial inclusion, it still lacks clarity on key issues. The public consultation is an opportunity for stakeholders to provide feedback and shape a more balanced final version.
The consultation window is now open for the FATF’s revisions to its Guidance on AML/CFT and Financial Inclusion. The Guidance has a real impact on the financial inclusion of millions worldwide, but what is it that stakeholders can do?
Ecuador’s approach to embedding gender equality in financial regulations offers a model for how regulators can drive inclusive financial systems and close gender gaps.
The FATF is updating its Guidance on AML/CFT and Financial Inclusion and is seeking input. This revision could impact financial access for millions, making it crucial for experts to engage before the consultation closes on April 4, 2025.
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