Zoya Khan
US State-by-State Data Privacy Laws: What Compliance Teams Must Track

US State-by-State Data Privacy Laws: What Compliance Teams Must Track

The U.S. is navigating a complex data privacy landscape, with no single federal law in place. Instead, a growing patchwork of state-level privacy laws is emerging. By the end of 2025, around 150 million Americans, or 43% of the population, will be protected by these laws. However, the regulations vary significantly across states. While California’s CPRA offers robust protections, states like Utah, Iowa, and Texas take a more relaxed approach. This creates a compliance challenge for businesses, which must navigate differing definitions, notice requirements, and consumer rights based on their users' locations.
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How to Manage and Measure Operational Risk: Best Practices

How to Manage and Measure Operational Risk: Best Practices

Operational risk refers to the potential losses that arise from failures in internal processes, people, systems, or external events. Unlike market or credit risks, it’s part of everyday operations, from system outages and employee mistakes to third-party failures and compliance breaches. If not managed properly, operational risks can disrupt processes, damage trust, invite penalties, and reduce consistency. A strong operational risk management (ORM) strategy, aligned with regulations like SOX and FFIEC frameworks, helps organizations anticipate issues, respond quickly, and build long-term resilience. By actively managing and measuring operational risk, businesses can ensure compliance, identify weaknesses, and boost performance across all levels.
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Insurance Brokers & Agencies Compliance Requirements Guide

Insurance Brokers & Agencies Compliance Requirements Guide

Compliance in insurance brokerage isn’t governed by a single rulebook; it’s a complex web of obligations that differ by state, product, and client type. At its core, it ensures brokers act fairly, protect consumers, and adhere to legal and ethical standards. Brokers face requirements from multiple authorities, including state insurance departments for licensing and advertising, the NAIC for model laws, and federal regulations like AML and data privacy laws, particularly for financial data. Compliance touches both front-office and back-office functions, from client communications and data storage to commission disclosures and agent training. Essentially, it’s an ongoing process that’s woven into the daily operations of the business.
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