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Governance, Risk & Compliance

The Cost of Non-Compliance: Fines, Penalties, and Legal Exposure

15 January 2024By Bilal Ahmed
ComplianceFinesPenaltiesArchivingLegal ExposureRisk ManagementGovernanceGDPRSECFINRA

Introduction

Non-compliance in enterprise archiving is not just a technical oversight—it is a costly business risk. From multi-million-dollar fines to reputational damage and legal sanctions, organizations that fail to implement defensible archiving practices face serious consequences. This blog explores the financial, legal, and reputational costs of non-compliance, drawing on real-world examples from regulators such as the SEC, FINRA, and GDPR enforcement bodies.


Financial Penalties

Regulatory fines are often the most visible cost of non-compliance.

  • GDPR: The EU’s General Data Protection Regulation has levied fines exceeding €1 billion annually across industries. Notable cases include €746M against Amazon (2021) for data processing violations. Poor archiving practices—such as failure to support data subject access requests (DSARs)—can contribute to these violations.
  • SEC & FINRA: In 2022, the SEC and CFTC fined over $1.8 billion across multiple banks for failures to preserve business communications on channels like WhatsApp. These cases highlight the need for robust capture and archiving of modern communication tools.
  • HIPAA: Healthcare providers face penalties of up to $1.5 million per year per violation type for failing to retain or protect patient records.

Legal Exposure

Beyond regulatory fines, poor archiving practices create vulnerabilities in litigation.

  • Spoliation Sanctions: Courts can impose penalties if evidence is lost, altered, or destroyed. Organizations without defensible archiving risk losing cases outright.
  • Discovery Costs: Without proper archives, eDiscovery becomes slower, more expensive, and prone to errors—leading to unfavorable settlements.
  • Contractual Liability: Failure to meet contractual obligations for record retention may trigger lawsuits or financial penalties.

Reputational Damage

Compliance failures are highly publicized, often eroding customer trust.

  • Public Perception: Headlines about regulatory fines damage brand credibility and investor confidence.
  • Customer Churn: Clients, especially in regulated industries, may switch providers if trust is lost.
  • Talent Retention: Employees may hesitate to stay with or join companies known for compliance failures.

The Role of Archiving

Non-compliance costs are amplified when archiving practices are inadequate. Key gaps include:

  • Incomplete Capture: Failure to archive all communication channels (e.g., SMS, Slack, Teams).
  • Improper Retention: Records deleted too early or kept beyond mandated timelines.
  • Lack of Immutability: Archives that can be altered compromise evidentiary integrity.
  • Weak Searchability: Slow or incomplete retrieval leads to missed deadlines in audits or investigations.

Best Practices to Avoid Non-Compliance Costs

  1. Implement Defensible Archiving: Ensure archives are complete, immutable, and searchable.
  2. Stay Current with Regulations: Continuously monitor laws such as GDPR, SEC 17a-4, FINRA, HIPAA, and MiFID II.
  3. Automate Retention Policies: Reduce human error with automated workflows.
  4. Audit Regularly: Proactively test compliance readiness.
  5. Educate Stakeholders: Train staff on compliance obligations and risks.

Conclusion

The cost of non-compliance extends far beyond regulatory fines—it includes legal exposure, reputational harm, and operational inefficiencies. By investing in robust, defensible archiving practices, organizations can not only avoid penalties but also enhance trust, resilience, and long-term business value.

Overview

Introduction Non-compliance in enterprise archiving is not just a technical oversight—it is a costly business risk. From multi-million-dollar fines to reputational damage and…

Published
15 January 2024
Author
Bilal Ahmed
Category
Governance, Risk & Compliance
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