┌─────────────────────────────────────────────────────────────────────────────┐
│                    FUTURE REGULATORY FRAMEWORK                            │
├─────────────────────────────────────────────────────────────────────────────┤
│                                                                             │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    AI REGULATION                                    │   │
│  │  EU AI Act, Risk-based AI regulation, transparency, human oversight │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                                                             │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    CRYPTO ASSET REGULATION                          │   │
│  │  MiCA, FATF Travel Rule, stablecoin regulation                     │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                                                             │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    OPEN FINANCE                                     │   │
│  │  Data sharing across financial services, consumer data rights       │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                                                             │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    ESG REGULATION                                   │   │
│  │  SFDR, CSRD, EU Taxonomy, climate risk disclosure                   │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                                                             │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    DATA PRIVACY                                     │   │
│  │  GDPR, CCPA, CPRA, cross-border data transfers                     │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                                                             │
└─────────────────────────────────────────────────────────────────────────────┘

# ===================================================================
# MODULE 9, LESSON 3: THE EVOLVING REGULATORY LANDSCAPE
# ===================================================================

import pandas as pd
import numpy as np
import matplotlib.pyplot as plt
import seaborn as sns
from datetime import datetime, timedelta
import warnings
warnings.filterwarnings('ignore')

print("="*70)
print("THE EVOLVING REGULATORY LANDSCAPE")
print("="*70)

# ----------------------------------------------------------------
# PART A: REGULATORY READINESS ASSESSMENT
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART A: Regulatory Readiness Assessment")
print("-"*60)

regulatory_areas = {
    'AI Regulation (EU AI Act)': {'Current Score': 2, 'Target Score': 5, 'Priority': 'High'},
    'Crypto Regulation (MiCA)': {'Current Score': 2, 'Target Score': 4, 'Priority': 'High'},
    'Open Finance': {'Current Score': 2, 'Target Score': 4, 'Priority': 'Medium'},
    'ESG/Sustainability': {'Current Score': 3, 'Target Score': 5, 'Priority': 'High'},
    'Data Privacy': {'Current Score': 3, 'Target Score': 5, 'Priority': 'High'},
    'Digital Identity': {'Current Score': 2, 'Target Score': 4, 'Priority': 'Medium'}
}

readiness_df = pd.DataFrame(regulatory_areas).T
print("Regulatory Readiness Assessment:")
print(readiness_df)

# Visualise
fig, ax = plt.subplots(figsize=(10, 6))
areas = list(readiness_df.index)
current = readiness_df['Current Score'].tolist()
target = readiness_df['Target Score'].tolist()

x = np.arange(len(areas))
width = 0.35

ax.barh(x - width/2, current, width, label='Current', color='blue', alpha=0.7)
ax.barh(x + width/2, target, width, label='Target', color='green', alpha=0.7)

ax.set_yticks(x)
ax.set_yticklabels(areas)
ax.set_xlabel('Maturity Score (1-5)')
ax.set_title('Regulatory Readiness Assessment')
ax.legend()
ax.grid(True, alpha=0.3, axis='x')

plt.tight_layout()
plt.savefig('regulatory_readiness.png', dpi=300, bbox_inches='tight')
plt.show()
print("Regulatory readiness visualisation saved as 'regulatory_readiness.png'")

# ----------------------------------------------------------------
# PART B: EU AI ACT COMPLIANCE CHECKLIST
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART B: EU AI Act Compliance Checklist")
print("-"*60)

ai_act_checklist = pd.DataFrame({
    'Requirement': [
        'AI Risk Classification',
        'Risk Management System',
        'Data Governance',
        'Technical Documentation',
        'Record Keeping',
        'Transparency',
        'Human Oversight',
        'Accuracy and Robustness',
        'Cybersecurity',
        'Conformity Assessment'
    ],
    'Status': ['🟡', '🟡', '🟡', '🔴', '🔴', '🟡', '🟡', '🟡', '🟡', '🔴'],
    'Priority': ['High', 'High', 'High', 'High', 'High', 'High', 'High', 'High', 'High', 'High'],
    'Deadline': ['2025', '2025', '2025', '2025', '2025', '2025', '2025', '2025', '2025', '2025']
})

print("EU AI Act Compliance Checklist:")
print(ai_act_checklist.to_string(index=False))

# ----------------------------------------------------------------
# PART C: MICA COMPLIANCE CHECKLIST
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART C: MiCA Compliance Checklist")
print("-"*60)

mica_checklist = pd.DataFrame({
    'Requirement': [
        'Crypto-Asset White Paper',
        'Issuer Authorisation',
        'Reserve Requirements',
        'Disclosure Requirements',
        'Market Abuse Prevention',
        'AML/CFT Compliance',
        'Governance Arrangements',
        'Consumer Protection'
    ],
    'Status': ['🟡', '🔴', '🔴', '🟡', '🔴', '🟡', '🟡', '🟡'],
    'Priority': ['High', 'High', 'High', 'Medium', 'High', 'High', 'Medium', 'High'],
    'Deadline': ['2024', '2024', '2024', '2024', '2024', 'Ongoing', '2024', '2024']
})

print("MiCA Compliance Checklist:")
print(mica_checklist.to_string(index=False))

# ----------------------------------------------------------------
# PART D: OPEN FINANCE METRICS
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART D: Open Finance Metrics Dashboard")
print("-"*60)

open_finance_metrics = pd.DataFrame({
    'Metric': [
        'Open Finance API Adoption',
        'Data Sharing Consents',
        'Third-Party Integrations',
        'Consumer Data Access Rate',
        'Open Finance Revenue',
        'Data Protection Compliance',
        'API Availability',
        'Consumer Trust Score'
    ],
    'Current Value': [
        '35%',
        '12,500',
        '45',
        '25%',
        '$5M',
        '85%',
        '99.8%',
        '68/100'
    ],
    'Target Value': [
        '> 70%',
        '50,000+',
        '100+',
        '> 60%',
        '$25M+',
        '> 98%',
        '> 99.95%',
        '> 80/100'
    ],
    'Status': ['🔴', '🟡', '🟡', '🔴', '🟡', '🟡', '🟡', '🟡']
})

print("Open Finance Metrics Dashboard:")
print(open_finance_metrics.to_string(index=False))

# ----------------------------------------------------------------
# PART E: REGULATORY TIMELINE
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART E: Regulatory Timeline")
print("-"*60)

timeline = pd.DataFrame({
    'Year': ['2024', '2024', '2024', '2025', '2025', '2026', 'Ongoing'],
    'Regulation': [
        'EU AI Act (Unacceptable Risk)',
        'MiCA (Implementation)',
        'FATF Travel Rule',
        'EU AI Act (High-Risk)',
        'CSRD (Reporting)',
        'EU AI Act (Full)',
        'Data Privacy (GDPR, CCPA)'
    ],
    'Requirement': [
        'Prohibit unacceptable risk AI',
        'Crypto regulation compliance',
        'Crypto AML/CFT compliance',
        'High-risk AI compliance',
        'Sustainability reporting',
        'Full AI Act compliance',
        'Ongoing data protection'
    ],
    'Status': ['🟢', '🟡', '🟡', '🟡', '🟡', '🟡', '🟡']
})

print("Regulatory Timeline:")
print(timeline.to_string(index=False))

# ----------------------------------------------------------------
# PART F: REGULATORY STRATEGY ROADMAP
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART F: Regulatory Strategy Roadmap")
print("-"*60)

roadmap = {
    "Phase 1 (0-6 months) – Foundation": {
        "Focus": "Build regulatory foundation.",
        "Activities": [
            "Assess regulatory readiness.",
            "Implement AI governance framework.",
            "Establish crypto compliance programme.",
            "Develop data privacy framework."
        ],
        "Success Metrics": ["Regulatory framework in place", "Compliance rate > 80%"]
    },
    "Phase 2 (6-12 months) – Scale": {
        "Focus": "Scale regulatory capabilities.",
        "Activities": [
            "Implement EU AI Act compliance.",
            "Implement MiCA compliance.",
            "Build open finance capabilities.",
            "Enhance ESG reporting."
        ],
        "Success Metrics": ["EU AI Act compliance > 80%", "MiCA compliance > 80%"]
    },
    "Phase 3 (12-24 months) – Advanced": {
        "Focus": "Advanced regulatory capabilities.",
        "Activities": [
            "Achieve full EU AI Act compliance.",
            "Achieve full MiCA compliance.",
            "Build open finance ecosystem.",
            "Achieve ESG leadership."
        ],
        "Success Metrics": ["Full regulatory compliance", "Industry leadership"]
    },
    "Phase 4 (24+ months) – Leadership": {
        "Focus": "Industry-leading regulatory compliance.",
        "Activities": [
            "Lead regulatory innovation.",
            "Build global regulatory capabilities.",
            "Achieve industry leadership.",
            "Establish regulatory culture."
        ],
        "Success Metrics": ["Industry-leading compliance", "Continuous improvement"]
    }
}

for phase, details in roadmap.items():
    print(f"\n{phase}:")
    print(f"  Focus: {details['Focus']}")
    print("  Activities:")
    for activity in details['Activities']:
        print(f"    • {activity}")
    print("  Success Metrics:")
    for metric in details['Success Metrics']:
        print(f"    • {metric}")

# ----------------------------------------------------------------
# PART G: SUMMARY AND RECOMMENDATIONS
# ----------------------------------------------------------------

print("\n" + "="*70)
print("PART G: Summary and Recommendations")
print("="*70)

print("""
Evolving Regulatory Landscape – Key Takeaways:

1. Key regulatory trends: AI regulation (EU AI Act), crypto (MiCA), open finance, ESG, data privacy.
2. EU AI Act: risk-based classification, high-risk AI requires conformity assessment.
3. MiCA: crypto-asset regulation, stablecoin rules, AML/CFT.
4. Open Finance extends open banking to all financial services.
5. ESG regulation: SFDR, CSRD, EU Taxonomy, climate risk disclosure.
6. Regulatory readiness is essential for compliance and competitive advantage.
7. Roadmap: foundation → scale → advanced → leadership.

Recommendations:
  - Assess regulatory readiness and identify gaps.
  - Implement AI governance framework for EU AI Act compliance.
  - Establish crypto compliance programme for MiCA.
  - Build open finance capabilities.
  - Enhance ESG reporting and sustainability.
  - Engage with regulators proactively.
""")

print("="*70)
print("END OF LESSON 3 – MODULE 9")
print("="*70)