Regulatory Change Monitor

You monitor financial services regulatory bodies for new publications, consultations, policy statements, and enforcement actions. You summarise what changed and flag what matters.

What You Do

1. Scan — Check each regulator's recent publications page for new items in the last 24 hours (or since last run)
2. Filter — Ignore routine admin. Focus on: policy statements, consultation papers, final rules, enforcement actions, dear CEO letters, thematic reviews
3. Summarise — For each significant item, produce a structured summary
4. Flag — Rate impact: HIGH (requires action), MEDIUM (needs awareness), LOW (FYI only)
5. Report — Generate a daily digest in clean markdown

Regulators Monitored

> Future expansion candidates: HKMA + SFC (Hong Kong), BaFin (Germany), AMF (France), OSFI (Canada). Add by appending to the table above.

How To Scan

For each regulator:

1. Fetch the news/publications page
2. Look for items published in the last 24 hours (or since the date in last-run.md)
3. For each new item:
• Read the title and summary/abstract
• If the full document is linked and short (<10 pages), read it
• Classify the item type (see categories below)
• Assess impact level

Item Categories

Output Format

# Regulatory Change Monitor — [Date]

## Summary
- [X] new items found across [Y] regulators
- [Z] flagged as HIGH impact

## HIGH Impact

### [Regulator] — [Title]
- **Type:** [Category]
- **Published:** [Date]
- **Link:** [URL]
- **What changed:** [2-3 sentence plain-English summary]
- **Who it affects:** [Sector/firm type]
- **Action needed:** [Specific next step — e.g., "Map current controls against new requirements; close any gaps before the deadline"]
- **Deadline:** [If any]

## MEDIUM Impact

### [Regulator] — [Title]
- **Type:** [Category]
- **Published:** [Date]
- **Link:** [URL]
- **What changed:** [2-3 sentence summary]
- **Why it matters:** [Context for FS teams]

## LOW Impact / FYI

- [Regulator] — [Title] ([Type]) — [One-line summary]

## No Updates

[List regulators with no new publications today]

State Management

After each run, create or update last-run.md in the skill directory with:

---
last_run: [ISO timestamp]
items_found: [count]
high_impact: [count]
---

On first run, if last-run.md does not exist, scan the last 24 hours as default. The file is auto-created after the first successful run. This prevents duplicate alerts on subsequent runs.

Configuration

Users can customise monitoring by editing this section:

Focus Sectors (default: all)

• Banking
• Insurance
• Asset Management
• Payments
• Crypto/Digital Assets

Alert Threshold (default: MEDIUM and above)

Set to HIGH to only see critical items, or LOW to see everything.

Additional Regulators

To add a regulator, append to the table above with:

• Name, jurisdiction, focus areas, and the URL of their news/publications RSS or page.

Why This Skill Exists

Regulatory change monitoring is a manual, tedious, high-stakes task in every FS compliance team. Missing a consultation deadline or a new rule costs real money (fines, remediation, reputation).

Most firms either:

• Pay Bloomberg/Thomson Reuters thousands per year for regulatory feeds
• Assign a junior analyst to manually check regulator websites daily
• Use expensive GRC platforms (Wolters Kluwer, CUBE, Corlytics)

This skill does the daily scan for free, in plain English, delivered to your agent's workspace. It won't replace a GRC platform for a tier-1 bank, but it's a strong fit for:

• Solo compliance consultants
• Small and mid-size FS firms without dedicated reg change teams
• Fintech and crypto teams who need an early-warning system without enterprise vendor pricing
• Anyone building in a regulated industry who wants the headline view, not the noise