2015 Year in Review: A Little Less Conversation, A Little More Action Please

This year, messaging platform Symphony became a reality, and users──and regulators──began taking it seriously.

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In July, the New York State Department of Financial Services (DFS) began an investigation into the Palo Alto-based startup ahead of its planned launch on Aug. 3, amid concerns that the platform did not comply with regulations around archiving chat messages (IMD, July 27).

A month later, the New York State DFS reached agreements with Symphony and four of the vendor’s bank backers—Goldman Sachs, Deutsche Bank, Credit Suisse and Bank of New York Mellon—to retain storage of certain records and chat

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