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Insights on language,
risk & communication
Practical thinking for teams where words carry real consequences.
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Deleting emails after the duty starts: obstruction, preservation, and the notice that prevents it
Between 2021 and 2023, the SEC and CFTC levied more than USD 2 billion in penalties across firms whose staff conducted business on unmonitored channels. The messages themselves…
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What is pre-send compliance? A definition, the rules behind it, and its limits
Take a broker-dealer that sends a product brochure to 26 retail investors in one month. Under FINRA Rule…
The tipping-off prohibition moves earlier in 2027
On 10 July 2027, Regulation (EU) 2024/1624 replaces the fourth Anti-Money Laundering Directive with a single directly applicable…
The control you believe is working
A UK digital bank agreed a requirement with its regulator: it would not open new accounts for high-risk…
CC instead of BCC: the smallest mistake with the largest consequence
A London charity sent an email to participants in a health support programme. The addresses went into the…
The information was in the file all along
In July 2025 the UK regulator fined a major British bank GBP 42 million across two separate notices.…
Can you be personally fined for passing on inside information?
In December 2021, the interim chief financial officer of a small listed company knew something the market did…
The Cost of One Sentence: What a Dozen Real Cases Reveal About Communication Risk
Some time in 2016, an engineer at a large aircraft manufacturer typed a sentence into an internal instant…
The Human-Communication Layer of the EU AI Act, After the Omnibus
In 2016 and 2017, an engineer at a major aircraft manufacturer typed a few lines into an internal…
From anecdote to evidence: what a language-risk summary shows a compliance team
Between 2021 and 2023, the SEC and CFTC levied more than USD 2 billion in penalties across firms…