On 18 May 2016, the CBI published a speech given by its Head of Consumer Protection (Supervision Division) to the Society of Actuaries on consumer risk.  Interestingly, she mentioned that risks particularly relevant to the insurance sector are (a) the current operating environment (noted to be challenging), (b) service delivery (including the risks introduced by new technology) and (c) IT resilience and data security. On a cross-sectoral level, two of the biggest risks the CBI sees to its consumer protection objectives are poor product oversight and governance; and an absence of consumer-focused culture.