Regulatory Alerts2026-04-13
Stacking risks: uncertainty demands a resilient and agile financial sector
The Dutch Authority for the Financial Markets (AFM) released its 2025 Annual Report and two supplementary studies, warning that compounding economic, technological, and geopolitical shocks have created a new normal of market unpredictability requiring unprecedented financial sector resilience and agility. The regulator identifies a critical housing foundation repair crisis affecting half a million homeowners, requiring 11 billion euros in funding and urging stakeholders to ensure responsible financing, particularly for over 25,000 individuals for whom debt is unviable. Furthermore, the AFM establishes that human oversight, intervention authority, and clear accountability remain mandatory safeguards for deploying autonomous AI on capital markets to prevent sudden volatility and undetectable market abuse.