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Government regulations of financial-service companies continue to change and evolve. For timely information concerning changes in regulatory environments, utilize the Industry tab in S&P’s Market Insight, Educational Version. The dropdown menu provides sub industry selections that may interest you, including Asset Management & Custody Banks, Consumer Finance, Diversified Banks, Diversified Capital Markets, Insurance Brokers, Investment Banking and Brokerage, Life and Health Insurance, Multi-line Insurance, Property & Casualty Insurance, Regional Banks, Specialized Finance, and Thrifts & Mortgage Finance. Once you select an industry, you will find S&P Industry Surveys that can be downloaded as pdf files and are updated frequently. The S&P Industry Surveys include Banking, Investment Services, Financial Services Diversified, Insurance: Property and Casualty, Insurance: Life and Health, and Savings and Loans. Download two industry surveys and explore the first section, “Current Environment.” Identify recent regulatory changes that appear to be affecting the current environments of the two industries, and write a summary of these changes and their apparent effects.