REGULATORY PULSE - SPECIFICATIONS DOCUMENT

Dashboard for Financial Services Regulatory Intelligence

Client: Florian Nègre - www.negreflorian.com
Purpose: Lead magnet + Authority positioning + SEO traffic + Conversion pipeline
Target audience: Financial Services decision-makers (FinTech, Banks, Rating Agencies, Services)

1. POSITIONING & MESSAGING

Tagline

"Navigate Financial Services complexity with real-time regulatory & market intelligence"

Value Proposition

Centralized regulatory intelligence dashboard combining:

Search trends (market interest signals)
Regulatory deadlines (compliance calendar)
Enforcement actions (regulatory risk indicators)

Legal Disclaimer (MANDATORY - Display prominently)

DISCLAIMER: The information presented in the Regulatory Pulse constitutes informational 
monitoring and does not constitute legal, financial, or compliance advice under any 
circumstances. This information does not engage the author or the website negreflorian.com. 
For any regulatory or strategic decision, consult your legal and compliance advisors.

2. DASHBOARD ARCHITECTURE

3 Core Pillars

PILLAR 1: Search Trends Pulse

Source: Google Trends (public, free, iframe embeddable)
Data: 12 key Financial Services regulatory terms
Timeframe: Rolling 12 months
Update frequency: Weekly (manual iframe refresh)
Format: Line chart showing search interest over time

PILLAR 2: Regulatory Deadlines 2026

Source: Manual curation from ESMA, EBA, European Commission
Data: Major compliance deadlines (MiCA, DORA, AI Act, CSRD, Basel III)
Timeframe: Calendar year 2026
Update frequency: Monthly
Format: Timeline/calendar visualization

PILLAR 3: Enforcement Watch

Source: ESMA, AMF, BaFin enforcement registers (manual aggregation)
Data: Latest 5 enforcement actions/sanctions
Timeframe: Rolling 6 months
Update frequency: Monthly
Format: List with date, authority, entity, infraction type

3. GOOGLE TRENDS - SEARCH TERMS

12 Terms to Track (Multi-term comparison)

ESG & Sustainability (3 terms):

"ESG reporting"
"CSRD"
"greenwashing"

Banking Regulation (3 terms): 4. "Basel III" 5. "CRR3" 6. "bank stress test"

FinTech Regulation (3 terms): 7. "MiCA" 8. "PSD2" 9. "open banking"

Compliance & Risk (3 terms): 10. "DORA regulation" 11. "AI Act" 12. "AML directive"

Google Trends Configuration

Geography: France (primary) + Europe (secondary comparison)
Category: Finance
Search type: Web Search
Timeframe: Past 12 months

Embed Method

<!-- Google Trends iframe embed -->
<iframe src="[Google Trends embed URL with selected terms]" 
        width="100%" 
        height="450" 
        frameborder="0" 
        scrolling="0">
</iframe>

4. REGULATORY DEADLINES 2026 (Initial Dataset)

Q1 2026

Jan 10, 2026: DORA - ICT risk management final reports due (EBA)
Mar 31, 2026: CSRD - First sustainability reports for large EU companies

Q2 2026

Jun 30, 2026: MiCA - Crypto asset service providers authorization deadline

Q3 2026

Jul 1, 2026: Basel III - Final implementation phase begins (CRR3)
Sep 30, 2026: AI Act - High-risk AI systems compliance deadline

Q4 2026

Dec 31, 2026: PSD2 - Strong customer authentication full enforcement
Dec 31, 2026: DORA - Full compliance deadline for financial entities

Source references:

ESMA: https://www.esma.europa.eu/
EBA: https://www.eba.europa.eu/
European Commission: https://ec.europa.eu/

5. ENFORCEMENT WATCH (Sample Data Structure)

Data Fields per Entry

Date: YYYY-MM-DD
Authority: ESMA / AMF / BaFin / Other
Entity: Company name (anonymize if needed)
Sector: Bank / FinTech / Rating Agency / Asset Manager
Infraction: Brief description
Fine/Action: Amount or measure taken
Source URL: Link to official announcement

Example Entry

Date: 2025-12-15
Authority: ESMA
Entity: [European Rating Agency XYZ]
Sector: Credit Rating Agency
Infraction: Insufficient ESG methodology disclosure
Fine: €150,000
Source: https://www.esma.europa.eu/press-news/enforcement-action-xyz

Data Sources

ESMA Public Register: https://registers.esma.europa.eu/
AMF Sanctions: https://www.amf-france.org/en/sanctions-transactions
BaFin Enforcement: https://www.bafin.de/EN/PublikationenDaten/Datenbanken/datenbanken_node_en.html

6. PAGE LAYOUT & WIREFRAME

Hero Section

[LOGO] Regulatory Pulse
Navigate Financial Services complexity with real-time regulatory & market intelligence

[DISCLAIMER BOX - Prominent, non-dismissible]

Section 1: Search Trends Pulse

[HEADING] What's trending in Financial Services regulation?

[GOOGLE TRENDS IFRAME - Full width]

[INTERPRETATION TEXT]
Search interest indicates market attention to regulatory topics. Spikes often 
precede compliance deadlines or major policy announcements.

Section 2: Regulatory Deadlines 2026

[HEADING] Key compliance deadlines ahead

[TIMELINE VISUALIZATION or TABLE]
Q1 | Q2 | Q3 | Q4
[Deadline items with dates and brief descriptions]

[CTA] Download full 2026 regulatory calendar (PDF) → [Gated behind email capture]

Section 3: Enforcement Watch

[HEADING] Recent regulatory actions

[LIST of 5 latest enforcement actions]
Date | Authority | Sector | Brief description

[NOTE] This section updates monthly. Not exhaustive. For official records, 
consult authority registers directly.

Bottom CTA

[CONVERSION SECTION]
Need help navigating these regulatory changes?

→ [BUTTON] Take the Revenue Architecture Diagnostic

Our diagnostic helps you assess how regulatory complexity impacts your 
growth systems and where to prioritize investments.

7. TECHNICAL SPECIFICATIONS

Page Structure

URL: /regulatory-pulse (EN) and /veille-reglementaire (FR)
Template: Full-width layout (no sidebar)
Responsive: Mobile-optimized (stack sections vertically)

Integration Requirements

Google Trends

Method: iframe embed
Fallback: If iframe blocked, display static image with "View on Google Trends" link
Refresh: Manual weekly update of embed URL

Regulatory Deadlines

Storage: CMS editable content blocks or JSON file
Display: Timeline component or simple table
Update: Manual monthly via CMS

Enforcement Watch

Storage: CMS repeatable content blocks or CSV import
Display: Card list or table
Update: Manual monthly via CMS

Performance

Target load time: <3s
Lazy load iframes below fold
Optimize timeline/table rendering

8. SEO & METADATA

English Page

URL: /regulatory-pulse
Meta Title: Regulatory Pulse | Financial Services Intelligence Dashboard
Meta Description: Real-time regulatory intelligence for Financial Services. Track search trends, compliance deadlines, and enforcement actions across ESG, MiCA, DORA, Basel III.
H1: Regulatory Pulse: Financial Services Regulatory Intelligence

French Page

URL: /veille-reglementaire
Meta Title: Veille Réglementaire | Dashboard Intelligence Financial Services
Meta Description: Intelligence réglementaire temps réel Financial Services. Suivez tendances recherche, deadlines conformité et actions régulateurs ESG, MiCA, DORA, Bâle III.
H1: Veille Réglementaire : Intelligence Réglementaire Financial Services

Schema Markup (JSON-LD)

{
  "@context": "https://schema.org",
  "@type": "Dataset",
  "name": "Regulatory Pulse - Financial Services Intelligence",
  "description": "Regulatory intelligence dashboard tracking search trends, compliance deadlines, and enforcement actions",
  "url": "https://www.negreflorian.com/regulatory-pulse",
  "creator": {
    "@type": "Person",
    "name": "Florian Nègre"
  }
}

9. CONTENT STRATEGY

Homepage Widget (Teaser)

Display on main homepage:

[SMALL BOX]
🔴 Regulatory Pulse Live

Top trending: [Dynamic - Most searched term this week]
Next deadline: [Dynamic - Closest upcoming deadline]

→ View full dashboard

Newsletter Integration

Monthly segment in Growth Digest newsletter:

"Regulatory Pulse Monthly Recap"
Top 3 trending terms + interpretation
Upcoming deadlines next month
Notable enforcement action

LinkedIn Posts

Monthly post highlighting dashboard insights
Example: "ESG reporting searches up 40% ahead of CSRD deadline"
Drive traffic to dashboard page

10. ANALYTICS & TRACKING

Key Metrics

Page views (total, unique)
Bounce rate
Time on page
Scroll depth (% reaching bottom CTA)
CTA click rate (Diagnostic link)
Download rate (if gated calendar offered)

Google Analytics Events

// Track interaction with sections
gtag('event', 'regulatory_pulse_section_view', {
  'section_name': 'search_trends' | 'deadlines' | 'enforcement'
});

// Track CTA clicks
gtag('event', 'regulatory_pulse_cta_click', {
  'cta_type': 'diagnostic' | 'calendar_download'
});

11. MAINTENANCE WORKFLOW

Weekly (15 min)

Check Google Trends iframe still rendering
Note any major search spikes for newsletter

Monthly (60 min)

Update Regulatory Deadlines if new dates announced
Add latest 1-2 enforcement actions to Enforcement Watch
Review analytics, adjust terms if needed

Quarterly (2 hours)

Evaluate adding new pillar or dataset
Review conversion rate, optimize CTA
Update disclaimer if legal context changes

12. IMPLEMENTATION ROADMAP

Week 1: Foundation

Create page structure (/regulatory-pulse)
Implement disclaimer (prominent, non-dismissible)
Add hero section with positioning text

Week 2: Data Integration

Embed Google Trends iframe (12 terms, 12 months, France)
Create Regulatory Deadlines section (timeline or table)
Create Enforcement Watch section (list structure)
Add interpretation text for each section

Week 3: Conversion & Polish

Add bottom CTA to Diagnostic
Implement homepage teaser widget
Mobile responsive testing
SEO metadata (title, description, schema)

Week 4: Launch

Soft launch to email list
LinkedIn announcement post
Monitor analytics first week
Fix any rendering issues

13. FUTURE ENHANCEMENTS (Phase 2)

Potential Additions

Macro indicators widget: ECB rates, corporate spreads (Trading Economics embed)
AI Act compliance checker: Interactive quiz/tool
RSS feed: Subscribe to regulatory updates
API access: For power users wanting raw data
Comparison tool: Compare regulatory burden across jurisdictions

Gated Content Opportunities

Full 2026 regulatory calendar (PDF download, email capture)
Quarterly regulatory impact report
Compliance checklist templates

14. LEGAL & COMPLIANCE NOTES

Content Liability

Dashboard is informational only
Not legal/financial/compliance advice
User assumes responsibility for verifying information
Clear disclaimer visible at all times

Data Sources

Google Trends: Public data, no API key needed
Regulatory deadlines: Public domain (EU institutions)
Enforcement actions: Public registers

GDPR Compliance

No personal data collected on dashboard page
Analytics anonymized
Email capture (if calendar download) → Privacy policy link

15. DESIGN GUIDELINES

Color Palette

Primary: #1E3A8A (Deep blue - trust, authority)
Accent: #F59E0B (Gold - premium, attention)
Alert: #DC2626 (Red - deadlines, enforcement)
Success: #10B981 (Green - positive trends)
Background: #F8FAFC (Light gray)

Typography

Headings: Sans-serif, bold, large
Body: Sans-serif, readable (16px minimum)
Data: Monospace for dates, figures

Iconography

🔴 Pulse icon (live, real-time)
📅 Calendar icon (deadlines)
⚖️ Scale icon (enforcement)
📊 Chart icon (trends)

16. SUPPORT & DOCUMENTATION

User Help

FAQ section at bottom of page
"How to interpret these trends?" tooltip
Links to source documentation (ESMA, EBA, etc.)

Internal Documentation

Where to find deadlines updates (ESMA calendar)
How to update enforcement actions (register URLs)
Analytics dashboard location (Google Analytics)

APPENDIX A: GOOGLE TRENDS EMBED CODE

Multi-term comparison URL structure

https://trends.google.com/trends/embed/explore/TIMESERIES?
req={"comparisonItem":[
  {"keyword":"ESG reporting","geo":"FR","time":"today 12-m"},
  {"keyword":"CSRD","geo":"FR","time":"today 12-m"},
  {"keyword":"MiCA","geo":"FR","time":"today 12-m"}
],"category":7,"property":""}
&tz=-60
&eq=q:ESG%20reporting,CSRD,MiCA&hl=en

Iframe implementation

<div class="google-trends-embed">
  <iframe 
    src="[Generated embed URL from Google Trends]"
    width="100%"
    height="450"
    frameborder="0"
    scrolling="0"
    title="Financial Services Regulatory Search Trends">
  </iframe>
  <p class="trends-attribution">
    Data source: <a href="https://trends.google.com" target="_blank">Google Trends</a>
  </p>
</div>

APPENDIX B: REGULATORY DEADLINES SOURCES

Primary Sources

ESMA - https://www.esma.europa.eu/policy-activities/regulatory-calendar
EBA - https://www.eba.europa.eu/regulation-and-policy
European Commission - https://ec.europa.eu/info/law/better-regulation/have-your-say
ECB Banking Supervision - https://www.bankingsupervision.europa.eu/

How to Update

Check sources monthly (first week of month)
Note any new deadline announcements
Update CMS content blocks with new dates
Verify deadline hasn't been postponed

APPENDIX C: ENFORCEMENT ACTION SOURCES

Registers to Monitor

ESMA Public Registers - https://registers.esma.europa.eu/publication/
AMF Sanctions - https://www.amf-france.org/en/sanctions-transactions
BaFin - https://www.bafin.de/EN/PublikationenDaten/Datenbanken/Verbraucherwarnungen/verbraucherwarnungen_node_en.html
ACPR (France) - https://acpr.banque-france.fr/en/authorisation-and-monitoring/sanctions

Update Process

Check registers monthly (mid-month)
Add 1-2 most significant recent actions
Maintain rolling list of 5 latest
Archive older actions (keep in backup list)

DOCUMENT VERSION CONTROL

Version: 1.0
Date: January 13, 2026
Author: Florian Nègre
Status: Ready for development
Next Review: Post-launch (Week 4)

HANDOFF CHECKLIST FOR DEVELOPER

END OF SPECIFICATIONS DOCUMENT

For questions or clarifications during development, contact: Florian Nègre