The CBI's statement of enforcement priorities for 2015 builds upon the 11 enforcement settlements with regulated financial services providers in 2014, with overall fines in excess of €5 million.  CBI would hope that this would result in increased standards in behaviour from regulated firms in their dealings with consumers. Some of the key priority areas set out in the statement include anti-money laundering, financial sanctions compliance, fitness and probity obligations and prudential requirements (particularly in respect of credit unions, large exposure rules for credit institutions and markets, reserving and capital adequacy, and requirements applying to retail intermediaries and insurers).