THE FINANCIAL SECTOR: KEY SUPERVISORY AND REGULATORY INITIATIVES       Content Page Supervision Regulation Risk-based Regulatory Regime Fine-Tuning Regulatory framework Ensuring Sound Market Conduct Innovative Systems for Efficient Payment and Settlement     FINE-TUNING REGULATORY FRAMEWORK   . Amending the SFA and FAA . Enhancing Regulations for Investment-linked Policies and Unit Trusts . Consolidating Rules on Credit and Charge Cards . Box 5 – Deposit Insurance Scheme . Risk Management Guidelines . Win-win Partnership with Industry . Divesting Non-financial Businesses . Revised Regulations on Credit Files, Grading and Provisioning       Win-win Partnership with Industry   MAS organised the second Annual Risk Conference from 30 June to 1 July 2003 with the theme, “Managing Risk in a Changing Environment”. The conference focused on consumer banking risk management and BCM issues. Bringing together industry practitioners and regulators, the conference facilitated greater sharing of information and perspectives on the challenges arising from these focus areas.