From Watchdog to Risk Hawk: Why FINMA’s Structural Shake-Up Signals a New Era in Global Finance

FINMA headquarters in Bern. Switzerland’s financial regulator, FINMA, is embarking on a major internal shake-up that promises to transform how it oversees banks, insurers, and markets. Announced in early April 2025, the restructuring is a direct response to recent crises and criticisms, aiming to modernize FINMA’s approach to supervision. This report will delve into the specifics of FINMA’s new organizational structure, the regulatory failures that prompted the overhaul, and how it stacks up against U.S. counterparts like the SEC and FINRA. We’ll also explore the global ripple effects – especially for fintech companies operating across borders – and include expert perspectives on broader regulatory shifts.

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