Financial Industry Regulatory Authority (FINRA):
Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Designation of a Longer Period for Commission Action on a Proposed Rule Change To Adopt FINRA Rule 6898 (Consolidated Audit Trail—Fee Dispute Resolution)
Publication Date: August 01st 2017

Risks Covered: Operational Risk, Compliance Risk

Business Processes Impacted: Audit, Legal & Compliance

The agency has given notice of designation of a longer period for Commission action on FINRA’s proposal to adopt Rule 6898. The proposed rule change was published for comment in the Federal Register on 6 July 2017. The commission received no comment letters on the proposed rule change.1

 

Consumer Financial Protection Bureau (CFPB):
Supplemental Standards of Ethical Conduct for Employees of the Bureau of Consumer Financial Protection
Publication Date: August 02nd 2017

Risks Covered: Operational Risk

Business Processes Impacted: Business Continuity Management
The agency, with the concurrence of the Office of Government Ethics, is issuing a final rule amending the Supplemental Standards of Ethical Conduct for Employees of the Bureau of Consumer Financial Protection. This final rule is effective 1 September 2017.
2

 

Consumer Financial Protection Bureau (CFPB):
Amendments to Federal Mortgage Disclosure Requirements Under the Truth in Lending Act (Regulation Z)
Publication Date: August 11th, 2017

Risks Covered: Liquidity Risk

Business Processes Impacted: Lending & Investment
The agency is modifying the Federal mortgage disclosure requirements under the Real Estate Settlement Procedures Act and the Truth in Lending Act that are implemented in Regulation Z. The final rule is effective 10 October 2017.3

 

Financial Conduct Authority (FCA):

Insurance: Conduct of Business
Publication Date: August 01st 2017

Risks Covered: Operational Risk

Business Processes Impacted: Capital Adequacy & Capital Planning
The agency has published guiding principles on the cases where rejection of consumer’s claim is unreasonable (covering contracts entered into or variations agreed to prior to 1 August 2017).4

 

Official Journal of the European Union (EC):
Council Implementing Regulation (EU) 2017/1420 of 4 August 2017 implementing Article 2(3) of Regulation (EC) No 2580/2001 on Specific Restrictive Measures Directed against Certain Persons and Entities with a view to Combating Terrorism, and Repealing Implementing Regulation (EU) 2017/150
Publication Date: August 05th 2017

Risks Covered: Compliance Risk

Business Processes Impacted: Fraud & Financial Crime
The agency is adopting Council Implementing Regulation (EU) 2017/1420 of 4 August 2017 implementing Article 2(3) of Regulation (EC) No 2580/2001 which updates the list of persons, groups and entities involved in terrorist acts, subject to restrictive measures, with a view to combating terrorism, and repeals Implementing Regulation (EU) 2017/150.5

 

Official Journal of the European Union (EC):
Corrigendum to Commission Delegated Regulation (EU) 2017/653 of 8 March 2017 Supplementing Regulation (EU) No 1286/2014 of the European Parliament and of the Council on Key Information Documents for Packaged Retail and Insurance-Based Investment Products (PRIIPs) by laying down Regulatory Technical Standards with regard to the presentation, content, review and revision of Key Information Documents and the conditions for fulfilling the requirement to provide such documents
Publication Date: August 15th 2017
Risks Covered: Operational Risk

Business Processes Impacted: Reporting
The agency has adopted corrigendum to Commission Delegated Regulation (EU) 2017/653 of 8 March 2017 supplementing Regulation (EU) No 1286/2014 of the European Parliament and of the Council on key information documents for Packaged Retail and Insurance-based Investment Products (PRIIPs) by laying down regulatory technical standards with regard to the presentation, content, review and revision of key information documents and the conditions for fulfilling the requirement to provide such documents.
6

 

Official Journal of the European Union (EC):
Commission Implementing Regulation (EU) 2017/1469 of 11 August 2017 laying down a Standardised presentation format for the Insurance Product Information Document
Publication Date: August 12th 2017
Risks Covered: Conduct Risk

Business Processes Impacted: Data Privacy & Data Quality Management
The agency has announced the implementation of Regulation (EU) 2017/1469 which relates to laying down a standardized presentation format for the Insurance Product Information Document, effective 11 August 2017.7

 

Australian Prudential Regulation Authority (APRA):
Prudential Practice Guide CPG 220 Risk Management
Publication Date: July 19th 2017
Risks Covered: Compliance Risk

Business Processes Impacted: Risk Management & Stress Testing
The agency has published the Prudential Practice Guide CPG 220 Risk Management which sets out the requirements relating to the risk management framework of an APRA regulated institution.
8

 

Insurance Europe (IE):
Comments provided to IAIS on Revisions to ICP 13
Publication Date: August 01st 2017
Risks Covered: Conduct Risk, Operational Risk
Business Processes Impacted:
Risk Management & Stress Testing
The agency has provided its response to a consultation by the International Association of Insurance Supervisors (IAIS) on revisions to Insurance Core Principle (ICP) 13 regarding reinsurance and other forms of risk transfer.9

 

Monetary Authority of Singapore (MAS):
Proposed Enhancements to the Deposit Insurance Scheme and Legislative Amendments to the Deposit Insurance and Policy Owners’ Protection Schemes Act and Regulations
Publication Date: August 04th 2017
Risks Covered: Compliance Risk
Business Processes Impacted: Audit, Legal and Compliance
The MAS is seeking comments from the public regarding proposals to increase the Deposit Insurance coverage from SGD 50,000.00 to SGD 75,000.00 per depositor to restore the percentage of fully insured depositors to above 90%, in line with international norms.10

 

Monetary Authority of Singapore (MAS):
MAS’ Approach to Resolution of Financial Institutions in Singapore
Publication Date: August 23rd 2017
Risks Covered: Compliance Risk
Business Processes Impacted: Risk Management & Stress Testing
The agency has issued a monograph on “MAS’ Approach to Resolution of Financial Institutions in Singapore” which sets out the approach for operationalizing the enhanced resolution framework in the MAS (Amendment) Act 2017. The monograph includes MAS’ crisis management framework as a continuum and the resolution; objectives of resolution; MAS’ resolution regime and its role as a resolution authority; purpose of recovery and resolution planning; MAS’ resolution toolkit; MAS’ approach towards financial market infrastructures; MAS’ resolution funding, MAS’ creditor compensation; as well as MAS’ stance towards cross-border cooperation.11

 

Board of Governors of the Federal Reserve System (The Fed):
Large Financial Institution Rating System; Regulations K and LL
Publication Date: August 17th 2017
Risks Covered: Liquidity Risk
Business Processes Impacted: Audit, Legal and Compliance
The Board is seeking comment on a proposed new rating system for its supervision of large financial institutions. The proposed ‘‘Large Financial Institution Rating System’’ is closely aligned with the Federal Reserve’s new supervisory program for large financial institutions.12

 

Consumer Financial Protection Bureau (CFPB):
Home Mortgage Disclosure Act (Regulation C)
Publication Date: August 24th 2017
Risks Covered: Market Risk
Business Processes Impacted: Reporting
The agency is amending Regulation C to implement amendments to the Home Mortgage Disclosure Act made by section 1094 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). Consistent with section 1094 of the Dodd-Frank Act, the Bureau is adding several new reporting requirements and clarifying several existing requirements. The Bureau is also modifying the institutional and transactional coverage of Regulation C. The final rule also provides extensive guidance regarding compliance with both the existing and new requirements.13

 

Official Journal of the European Union (EC):
Commission Implementing Regulation (EU) 2017/1443 of 29 June 2017 amending Implementing Regulation (EU) No 680/2014 laying down implementing technical standards with regards to supervisory reporting of institutions according to Regulation (EU) No 575/2013 of the European Parliament and of the Council
Publication Date: August 17th 2017
Risks Covered: Operational Risk
Business Processes Impacted: Reporting
The agency has adopted a regulation amending Implementing Regulation (EU) No 680/2014 laying down implementing Technical Standards with regards to Supervisory Reporting of institutions according to Regulation (EU) No 575/2013 of the European Parliament and of the Council. This regulation shall enter into force on the twentieth day following its publication and shall apply from 1 January 2018.14

 

European Central Bank (ECB):
Regulation (EU) 2017/[XX*] of the European Central Bank of 25 August 2017 laying down the date of application of Regulation (EU) 2017/[XX*] amending Regulation (EU) 2015/534 on reporting of supervisory financial information (ECB/2017/25) to less significant supervised entities which are subject to national accounting frameworks
Publication Date: August 25th 2017
Risks Covered: Compliance Risk
Business Processes Impacted: Fraud & Financial Crime
The ECB has published Regulation (EU) 2017/XX and which sets out the application date for Regulation (EU) 2017/XX, and amends Regulation (EU) 2015/534 on reporting of supervisory financial information (ECB/2017/25) to less significant supervised entities which are subject to national accounting frameworks (ECB/2017/26). The amending Regulation establishes 1 January 2019 as the date Regulation (EU) 2017/XX shall apply. The Regulation enters into force twenty days after its publication in the Official Journal of the European Union.15

 

European Insurance and Occupational Pensions Authority (EIOPA):
European Supervisory Authorities publish Q&A on the Key Information Document for PRIIPs
Publication Date: August 18th 2017
Risks Covered: Operational Risk
Business Processes Impacted: Reporting
The agency has issued guidance in the form of questions and answers (Q&A) on the Packaged Retail and Insurance-based Investment Products’ Key Information Document (KID) requirements. The Q&As are supplementary to those issued by EIOPA on 4 July 2017, and are designed to harmonize KID supervision across the EU.16

 

International Accounting Standards Board (IASB):
How does IFRS 17 measure insurance contracts with short coverage periods?
Publication Date: August 30th 2017
Risks Covered: Operational Risk
Business Processes Impacted: Audit, Legal & Compliance
The agency has published guidance on the International Financial Reporting Standards (IFRS) 17 standard which addresses insurance contract accounting for the PAA (premium allocation approach).17

 

World Economic Forum (WEF):
Beyond Fintech: A Pragmatic Assessment Of Disruptive Potential In Financial Services
Publication Date: August 22nd 2017
Risks Covered: Conduct Risk
Business Processes Impacted: Reporting
This document considers the evolution and impact of Fintech firms on financial services to date and presents a series of contrasting outlooks on the future of the industry.18

 

European Systemic Risk Board (ESRB):
Recovery and resolution for the EU insurance sector: A macro-prudential perspective
Publication Date: August 17th 2017
Risks Covered: Conduct Risk
Business Processes Impacted: Audit, Legal & Compliance
This report focuses on a recovery and resolution (RR) framework for insurers from a macro-prudential perspective. Covering primary insurers and reinsurers, the report: (i) discusses the need for comprehensive RR policies to complement supervisory and macro-prudential policies; (ii) identifies and describes a number of potential RR tools; (iii) highlights funding aspects of the resolution process; and (iv) considers cross-sectoral and cross-border implications and contagion channels that arise when resolution tools are applied.19

 

International Association of Insurance Supervisors (IAIS):
Aggregate Report on the Self-Assessment and Peer Review of ICPs 13 and 24 Now Available
Publication Date: August 03rd 2017

Risks Covered: Conduct Risk
Business Processes Impacted: Data Privacy & Data Quality Management, Reporting
The agency has released an aggregate report of a thematic Self-assessment and Peer Review on Reinsurance, and Macro-prudential Surveillance and Insurance Supervision (ICPs 13 and 24) . The report contains the assessment results and analysis of the expert team’s findings.20

 

FORTHCOMING REGULATIONS:

Securities and Exchange Commission (SEC)
Proposed Update to the IFRS Taxonomy 2017
The SEC has announced that proposed Update 1 to the IFRS Taxonomy 2017 has been published for public comment by the International Accounting Standards Board (IASB). The public comment period will end on 18 September 2017.21

Office of the Comptroller of the Currency (OCC), Department of the Treasury (DOT)
Proprietary Trading and Certain Interests in and Relationships with Covered Funds (Volcker Rule); Request for Public Input
The OCC is seeking the public’s input with this request for information to assist in determining how the final rule implementing section 13 of the Bank Holding Company Act should be revised to better accomplish the purposes of the statute.22

International Association of Insurance Supervisors (IAIS)
Public consultation on draft revisions of ICP 24 comment invited by 1 October 2017
The IAIS has released a revision of the Insurance Core Principle (ICP) 24: “Macroprudential Surveillance and Insurance Supervision” for public consultation. Comments are due by 1 October 2017.23

Australian Prudential Regulation Authority (APRA)
Letter to all RSE licensees: Strengthening operational governance of RSE licensees – Upcoming Consultation
The agency is seeking comments from the public regarding proposed amendments to the superannuation prudential framework to strengthen operational governance practices of Registrable Superannuation Entities (RSE) licensees, reflecting evolving industry better practice and public expectations for the prudent and efficient operation of funds.24

Financial Conduct Authority (FCA)
Our supervisory approach to PPI
The agency announced the launching of a campaign to inform people about the 29 August 2019 deadline to complain about payment protection insurance (PPI), which will complement the regulatory and supervisory work done around PPI by the FCA. This campaign is being funded by 18 firms, including banks and other providers, that have been requested to make some improvements to the way people can complain to them about PPI.25

Securities and Exchange Commission (SEC)
Regulatory Flexibility Agenda
The agency is publishing the Chairman’s agenda of rulemaking actions pursuant to the Regulatory Flexibility Act (RFA) (Pub. L. 96–354, 94 Stat. 1164) (Sep. 19, 1980). The items listed in the Regulatory Flexibility Agenda for Spring 2017 reflect only the priorities of the Acting Chairman of the U.S. Securities and Exchange Commission, and do not necessarily reflect the view and priorities of any individual Commissioner.26

Office of the Comptroller of the Currency (OCC); Board of Governors of the Federal Reserve System; Federal Deposit Insurance Corporation (FDIC)
Regulatory Capital Rules: Retention of Certain Existing Transition Provisions for Banking Organizations That Are Not Subject to the Advanced Approaches Capital Rules (Federal Register)
The OCC, Federal Reserve, and the FDIC are inviting public comment on a notice of proposed rulemaking that would extend the current treatment under the regulatory capital rules (capital rules) for certain regulatory capital deductions and risk weights, and certain minority interest requirements, as they apply to banking organizations that are not subject to the advanced approaches capital rules (non-advanced approaches banking organizations).27

Financial Industry Regulatory Authority (FINRA)
Proposed Rule Change Relating to Elimination and Modification of Duplicative Rules After Implementation of the Consolidated Audit Trail (Amendment No. 1)
The agency has proposed to eliminate the Order Audit Trail System (OATS) rules in the FINRA Rule 7400 Series and Rule 4554 (OATS Rules) and to amend FINRA’s electronic blue sheet (EBS) rules, Rules 8211 and 8213, to reflect changes to these rules once members are effectively reporting to the consolidated audit trail (CAT) and the CAT’s accuracy and reliability meet certain standards.28

 

Visit www.accenture.com/RegulatoryCompliance for latest insights on regulatory remediation and compliance transformation.

 

References:

1.  “Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Designation of a Longer Period for Commission Action on a Proposed Rule Change to Adopt FINRA Rule 6898 (Consolidated Audit Trail—Fee Dispute Resolution),” Financial Industry Regulatory Authority, August 1, 2017. Access at:Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Designation of a Longer Period for Commission Action on a Proposed Rule Change To Adopt FINRA Rule 6898 (Consolidated Audit Trail—Fee Dispute Resolution).

2.  “Supplemental Standards of Ethical Conduct for Employees of the Bureau of Consumer Financial Protection,” Consumer Financial Protection Bureau, August 2, 2017. Access at:Supplemental Standards of Ethical Conduct for Employees of the Bureau of Consumer Financial Protection.

3.  “Amendments to Federal Mortgage Disclosure Requirements Under the Truth in Lending Act (Regulation Z),” Consumer Financial Protection Bureau, August 11, 2017. Access at:Amendments to Federal Mortgage Disclosure Requirements Under the Truth in Lending Act (Regulation Z). 

4.  “Insurance: Conduct of Business,” Financial Conduct Authority, August 1, 2017. Access at: Insurance: Conduct of Business.

5.  “Council Implementing Regulation (EU) 2017/1420 of 4 August 2017, implementing Article 2(3) of Regulation (EC) No 2580/2001 on specific restrictive measures directed against certain persons and entities with a view to combating terrorism, and repealing Implementing Regulation (EU) 2017/150,” Official Journal of the European Union, August 5, 2017. Access at: Council Implementing Regulation (EU) 2017/1420 of 4 August 2017 implementing Article 2(3) of Regulation (EC) No 2580/2001 on Specific Restrictive Measures Directed against Certain Persons and Entities with a view to Combating Terrorism, and Repealing Implementing Regulation (EU) 2017/150.

6.  “Corrigendum to Commission Delegated Regulation (EU) 2017/653 of 8 March 2017 supplementing Regulation (EU) No 1286/2014 of the European Parliament and of the Council on key information documents for packaged retail and insurance-based investment products (PRIIPs) by laying down regulatory technical standards with regard to the presentation, content, review and revision of key information documents and the conditions for fulfilling the requirement to provide such documents,” Official Journal of the European Union, August 15, 2017. Access at: Corrigendum to Commission Delegated Regulation (EU) 2017/653 of 8 March 2017 Supplementing Regulation (EU) No 1286/2014 of the European Parliament and of the Council on Key Information Documents for Packaged Retail and Insurance-Based Investment Products (PRIIPs) by laying down Regulatory Technical Standards with regard to the presentation, content, review and revision of Key Information Documents and the conditions for fulfilling the requirement to provide such documents.

7.  “Commission Implementing Regulation (EU) 2017/1469 of 11 August 2017 laying down a standardised presentation format for the insurance product information document,” Official Journal of the European Union, August 12, 2017. Access at: Commission Implementing Regulation (EU) 2017/1469 of 11 August 2017 laying down a Standardised presentation format for the Insurance Product Information Document.

8.  “Prudential Practice Guide CPG 220 Risk Management,” Australian Prudential Regulation Authority, August 10, 2017. Access at: Prudential Practice Guide CPG 220 Risk Management 

9.  “Comments provided to IAIS on revisions to ICP 13,” Insurance Europe, August 1, 2017. Access at: Comments provided to IAIS on Revisions to ICP 13.

10. “Proposed Enhancements to the Deposit Insurance Scheme and Legislative Amendments to the Deposit Insurance and Policy Owners’ Protection Schemes Act and Regulations,” Monetary Authority of Singapore, Consultation Paper, August 4, 2017. Access at: Proposed Enhancements to the Deposit Insurance Scheme and Legislative Amendments to the Deposit Insurance and Policy Owners’ Protection Schemes Act and Regulations.  

11. “MAS’ Approach to Resolution of Financial Institutions in Singapore,” Monetary Authority of Singapore, August 23, 2017. Access at: MAS’ Approach to Resolution of Financial Institutions in Singapore.

12. “Large Financial Institution Rating System; Regulations K and LL,” Board of Governors of the Federal Reserve System, August 17, 2017. Access at: Large Financial Institution Rating System; Regulations K and LL.

13. “Home Mortgage Disclosure Act (Regulation C),” Final Rule, Consumer Financial Protection Bureau, August 24, 2017. Access at: Home Mortgage Disclosure Act (Regulation C).

14. “Commission Implementing Regulation (EU) 2017/1443 of 29 June 2017 amending Implementing Regulation (EU) No 680/2014 laying down implementing technical standards with regards to supervisory reporting of institutions according to Regulation (EU) No 575/2013 of the European Parliament and of the Council,” Official Journal of the European Union, August 17, 2017. Access at: Commission Implementing Regulation (EU) 2017/1443 of 29 June 2017 amending Implementing Regulation (EU) No 680/2014 laying down implementing technical standards with regards to supervisory reporting of institutions according to Regulation (EU) No 575/2013 of the European Parliament and of the Council.

15. “Regulation (EU) 2017/[XX*] of the European Central Bank of 25 August 2017 laying down the date of application of Regulation (EU) 2017/[XX*] amending Regulation (EU) 2015/534 on reporting of supervisory financial information (ECB/2017/25) to less significant supervised entities which are subject to national accounting frameworks (ECB/2017/26),” European Central Bank, August 29, 2017. Access at: Regulation (EU) 2017/[XX*] of the European Central Bank of 25 August 2017 laying down the date of application of Regulation (EU) 2017/[XX*] amending Regulation (EU) 2015/534 on reporting of supervisory financial information (ECB/2017/25) to less significant supervised entities which are subject to national accounting frameworks

16. “European Supervisory Authorities publish Q&A on the Key Information Document for PRIIPs,” European Insurance and Occupational Pensions Authority, August 18, 2017. Access at: European Supervisory Authorities publish Q&A on the Key Information Document for PRIIPs.

17. “How does IFRS 17 measure insurance contracts with short coverage periods?” International Accounting Standards Board, Webinar, August 3, 2017. Access at: How does IFRS 17 measure insurance contracts with short coverage periods?.

18. “Beyond Fintech: A Pragmatic Assessment Of Disruptive Potential In Financial Services,” World Economic Forum, August 22, 2017. Access at: Beyond Fintech: A Pragmatic Assessment Of Disruptive Potential In Financial Services.

19. “Recovery and resolution for the EU insurance sector: a macroprudential perspective,” European Systemic Risk Board, August 17, 2017. Access at: Recovery and resolution for the EU insurance sector: A macro-prudential perspective

20. “Report from Expert Team Conducting the Self-Assessment and Peer Review of ICPs 13 and 24,” International Association of Insurance Supervisors, August 1, 2017. Access at: Aggregate Report on the Self-Assessment and Peer Review of ICPs 13 and 24 Now Available

21. “Proposed Update 1 to the IFRS Taxonomy 2017,” U. S. Securities and Exchange Commission, August 3, 2017. Access at: Proposed Update to the IFRS Taxonomy 2017.

22. “Proprietary Trading and Certain Interests in and Relationships With Covered Funds (Volcker Rule); Request for Public Input,” Office of the Comptroller of the Currency (OCC), Department of the Treasury (DOT), August 7, 2017. Access at: Proprietary Trading and Certain Interests in and Relationships with Covered Funds (Volcker Rule); Request for Public Input.

23. “Revision of ICP 24,” Public consultation, International Association of Insurance Supervisors. August 1, 2017. Access at: Public consultation on draft revisions of ICP 24 comment invited by 1 October 2017.

24. “Strengthening Operational Governance of RSE Licensees – Upcoming Consultation,” Australian Prudential Regulation Authority, August 11, 2017. Access at: Letter to all RSE licensees: Strengthening operational governance of RSE licensees – Upcoming Consultation.

25. “Our supervisory approach to PPI,” Financial Conduct Authority, August 16, 2017. Access at: Our supervisory approach to PPI

26. “Regulatory Flexibility Agenda” Securities and Exchange Commission, August 24, 2017. Access at: Regulatory Flexibility Agenda.

27. “Regulatory Capital Rules: Retention of Certain Existing Transition Provisions for Banking Organizations That Are Not Subject to the Advanced Approaches Capital Rules,” Office of the Comptroller of the Currency (OCC); Board of Governors of the Federal Reserve System; Federal Deposit Insurance Corporation (FDIC), August 25, 2017. Access at: Regulatory Capital Rules: Retention of Certain Existing Transition Provisions for Banking Organizations That Are Not Subject to the Advanced Approaches Capital Rules (Federal Register).

28. Proposed rules to eliminate the Order Audit Trail System (OATS) rules in the FINRA Rule 7400 Series, Financial Industry Regulatory Authority, August 25, 2017. Access at: Proposed Rule Change Relating to Elimination and Modification of Duplicative Rules After Implementation of the Consolidated Audit Trail (Amendment No. 1) .

 

About the Monthly Regulatory Tracker

The “Regulatory Reform” newsletter is the monthly initiative aimed at updating the Finance & Risk community with the most recent regulatory changes impacting Banking, Capital Markets & Insurance firms. We track more than 70 regulatory and industry bodies covering North America, Europe and Asia-Pacific. Every month, we will highlight approximately 20 regulations shortlisted on the basis of geography of coverage and anticipated business impacts. Our summaries will highlight the risks covered and business processes affected by the regulatory reforms.

 

Disclaimer

This blog is intended for general informational purposes only, does not take into account the reader’s specific circumstances, may not reflect the most current developments, and is not intended to provide advice on specific circumstances. Accenture disclaims, to the fullest extent permitted by applicable law, all liability for the accuracy and completeness of the information in this blog and for any acts or omissions made based on such information. Accenture does not provide legal, regulatory, audit or tax advice. Readers are responsible for obtaining such advice from their own legal counsel or other licensed professional.

 

About Accenture

Accenture is a leading global professional services company, providing a broad range of services and solutions in strategy, consulting, digital, technology and operations. Combining unmatched experience and specialized skills across more than 40 industries and all business functions—underpinned by the world’s largest delivery network—Accenture works at the intersection of business and technology to help clients improve their performance and create sustainable value for their stakeholders. With more than 425,000 people serving clients in more than 120 countries, Accenture drives innovation to improve the way the world works and lives. Its home page is www.accenture.com.

 

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