Fragmentation and uncertainty are expected to persist across the compliance landscape in 2026. Federal enforcement priorities continue to shift, while states are advancing their own consumer protection, privacy, and AI governance requirements. Alongside increasingly sophisticated technology and ongoing financial crime pressures, institutions are rethinking the structure and focus of their compliance programs.
Our outlook brings together insights from CrossCheck’s consultants on the key forces shaping compliance, risk, and internal audit in 2026—and what financial institutions can do to stay ahead.
What this outlook covers:
- How shifting federal and state regulatory priorities are changing expectations for compliance programs
- Where regulators are placing greater reliance on internal monitoring, testing, and audit functions
- Why certain foundational compliance areas are re-emerging as strategic differentiators
- How technology, data, and AI are influencing risk management, governance, and oversight
- What evolving financial crime and consumer protection risks mean for program design and resourcing
- How leading institutions are moving beyond point-in-time compliance toward more continuous assurance models
Recommended audience:
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Compliance, risk, and internal audit leaders
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Bank and credit union executives
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Fintech compliance teams and bank partners
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Institutions preparing for examinations, growth, or M&A activity
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