Q19. Why should compliance teams monitor regulatory enforcement actions—not just published rules?

Enforcement actions reveal regulatory intent more accurately than formal guidance. The published rule is the floor; enforcement patterns show where regulators are actually looking. In 2024, sanctions violation fines averaged over $12 million per case, with consumer protection enforcement rising sharply—particularly around undisclosed fees. Teams that track enforcement digests can recalibrate their risk posture to where regulatory attention is moving, not where it has been.