Major financial holding companies are accelerating governance changes ahead of March annual shareholder meetings after regulators urged reforms such as special resolutions for chair reappointments, stronger outside director independence and expertise, and a single three-year term. A key proposal would shift CEO appointments to shareholder votes and tighten requirements for third terms. Internal control issues at brokerages also re-emerged amid allegations of capital markets law violations and stock manipulation. Fintech platforms are expanding automated loan-rate cut request services.