The FCA is considering the future of AML regulations and has published a speech by Rob Gruppetta, the head of the FCA’s financial crime department, in which Mr Gruppetta considers: (i) the Fourth Money Laundering Directive (MLD4); (ii) the proposed new FCA financial crime data return, on which it is currently consulting; (iii) the senior managers regime (SMR) and financial crime; (iv) derisking; (v) innovation and new technology; (vi) the IMF and Financial Action Task Force (FATF); and (vii) FCA enforcement relating to financial crime issues.