eComms Compliance & The Future of SEC Regulations

eComms compliance is rapidly becoming a top priority for financial firms as the SEC continues to tighten regulations and increase enforcement. In 2025, the landscape for electronic communications (eComms) is evolving, and organizations must adapt to avoid costly penalties and reputational damage. This article explores the current state of eComms compliance, recent regulatory actions, and what the future holds for SEC regulations.

Why eComms Compliance Matters in 2025

The SEC has made it clear that eComms compliance is not optional. Firms are required to maintain and preserve electronic records, including emails, instant messages, and other digital communications, for three to six years, depending on the type of record. Failure to comply can result in significant fines and increased regulatory scrutiny.

• In January 2025, the SEC fined twelve firms a combined $63 million for record-keeping failures related to off-channel communications.
• According to the SEC, these enforcement actions are part of an ongoing crackdown on firms that fail to archive and monitor eComms properly.

Key Requirements for eComms Compliance

To meet SEC regulations, firms must implement robust systems for capturing, archiving, and supervising all forms of electronic communication. eComms compliance involves:

• Maintaining secure, tamper-proof archives of all business-related communications
• Regularly reviewing and testing compliance protocols
• Training employees on proper use of communication channels
• Ensuring that compliance policies cover all devices and platforms used for business

Common Pitfalls and How to Avoid Them

Many firms struggle with eComms compliance due to the proliferation of new communication tools and remote work trends. Common pitfalls include:

• Using unauthorized messaging apps for business communications
• Failing to update compliance policies as technology evolves
• Inadequate employee training on eComms compliance requirements

To avoid these issues, organizations should partner with technology providers that specialize in secure, compliant communications solutions and ensure that all communications are properly archived and easily retrievable during audits.

The Future of SEC Regulations and eComms Compliance

Looking ahead, the SEC is expected to continue its focus on eComms compliance, with increased examinations and more sophisticated monitoring tools. The 2025 SEC exam priorities highlight the importance of cybersecurity, data protection, and proactive compliance management.

• Firms should expect more frequent and detailed reviews of their eComms compliance programs
• Regulators are likely to scrutinize the use of AI and automation in compliance monitoring
• Self-reporting violations may result in reduced penalties, but non-compliance will be met with swift enforcement

Best Practices for Staying Ahead

To stay ahead of regulatory changes, firms should:

• Conduct regular mock exams and risk assessments
• Invest in advanced compliance technology
• Keep up to date with SEC guidance and industry best practices
• Foster a culture of compliance across all levels of the organization

Take Action on eComms Compliance

eComms compliance is a moving target, but with the right strategies and technology partners, financial firms can stay ahead of SEC regulations and avoid costly penalties.

Don’t wait for an audit or enforcement action to review your compliance program. Book a demo with Votacall today to see how our solutions and partnership with Global Relay can help you achieve and maintain eComms compliance.