Risk Sleuth
AMP · 10-K filed 19 Feb 2026 · year to 31 Dec 2025

Ameriprise Financial

27 named things its latest annual report says its results depend on, each in the company's own words. 19 of them are also named by other companies we've read.

Read the filing on SEC.gov ↗

Partners and platforms

Commonwealth Annuity and Life Insurance Company (Global Atlantic Financial Group)

depends on · 89%named as a risk
In this closed block, as of December 31, 2025, we have $5.2 billion of account value associated with our fixed annuities of which 89% has been ceded by RiverSource Life on a coinsurance basis to Global Atlantic Financial Group’s subsidiary Commonwealth Annuity and Life Insurance Company (“Commonwealth”) under customary reinsurance arrangements with a comfort trust.Business (Item 1)

Also named by LNC, UNM

Genworth Financial, Inc.

depends on · 50% of the risknamed as a risk
For existing LTC policies, RiverSource Life has continued ceding 50% of the risk on a coinsurance basis to subsidiaries of Genworth Financial, Inc. (“Genworth”) and retains the remaining risk.Business (Item 1)

Unaffiliated third-party distributors

depends onnamed as a risk
Any such reduction in access to (or the economics associated with) third-party distributors may have a material adverse effect on our ability to market our products and to generate revenue in our Advice & Wealth Management and Asset Management segments.Risk factors (Item 1A)

Other companies

Long term care insurance closed block

named as a risk
The risk that our claims experience may differ significantly from our pricing assumptions is particularly significant for our LTC insurance products notwithstanding our ability to implement future price increases with regulatory approvals.Risk factors (Item 1A)

Places

United Kingdom

operates in
Similar to the developments in the U.S., we continue to see enhanced legislative and regulatory interest regarding financial services through international markets, including in the U.K. and EU where we have a substantial asset management business.Business (Item 1)

Also named by AGX, AJG, BAC, BF/B, BGC, BRO, C, CACI and 59 more

Luxembourg

operates in
We have an established fund range domiciled in Luxembourg (both UCITS and Alternative Investment Funds) and Ireland, along with Luxembourg-based and Netherlands-based affiliated management companies.Business (Item 1)

Also named by AB, AVY, BEN

Commodities and inputs

British Pound

exposed to its price · approximately £1.2 billionnamed as a risk
We are primarily exposed to changes in British Pounds related to our net investment in Threadneedle, which was approximately £1.2 billion as of December 31, 2025.Market risk (Item 7A)

Also named by ABBV, ADBE, AJG, AME, APA, BF/B, BRO, CACI and 39 more

Equity markets

exposed to its price · $(510)named as a risk
The above results compare to an estimated negative net impact to pretax income of $509 million related to a 10% equity price decline and an estimated positive net impact to pretax income of $529 million related to a 100 basis point increase in interest rates as of December 31, 2024.Market risk (Item 7A)

Also named by JXN, PFG

Euro

exposed to its pricenamed as a risk
We also have exposure related to operations in foreign countries to Euros, Indian Rupees and other currencies.Market risk (Item 7A)

Also named by ABBV, ABNB, ABT, ADBE, ADI, AME, AMG, AMGN and 186 more

Regulators

Federal Reserve Board

subject tonamed as a risk
Ameriprise Financial is subject to ongoing supervision by the FRB, including supervision and prudential standards, capital requirements, stress-testing, resolution planning, information security and privacy, and risk management requirements.Risk factors (Item 1A)

Also named by ALLY, BPOP, C, CFG, CFR, CME, COMP, CUBI and 9 more

U.S. Securities and Exchange Commission (SEC)

subject to
Certain of our subsidiaries are registered with the U.S. Securities and Exchange Commission (“SEC”) as broker-dealers under the Securities Exchange Act of 1934 (“Exchange Act”) and with certain states, the District of Columbia and other U.S. territories.Business (Item 1)

Also named by AB, ADSK, AMG, ARCC, ARES, BAM, BCSF, BEN and 44 more

Financial Industry Regulatory Authority (FINRA)

subject to
Our broker-dealer subsidiaries are also members of self-regulatory organizations, including the Financial Industry Regulatory Authority (“FINRA”), and are subject to the regulations of these organizations.Business (Item 1)

Also named by AB, ADP, AGNC, AMG, BAM, BEN, BR, BWIN and 23 more

Office of the Comptroller of the Currency (OCC)

subject to
Ameriprise Bank is subject to regulation by the Office of the Comptroller of the Currency (“OCC”), which is the primary regulator of federal savings banks, the Consumer Financial Protection Bureau (“CFPB”) and by the Federal Deposit Insurance Corporation (“FDIC”) in its role as insurer of Ameriprise Bank's deposits.Business (Item 1)

Also named by ADP, AXP, BAC, BLK, C, CASH, CFG, COF and 22 more

Financial Conduct Authority (FCA)

subject to
A number of legal entities in the Columbia Threadneedle business are currently regulated by the Financial Conduct Authority (“FCA”) and one entity in the Columbia Threadneedle business is also regulated by the Prudential Regulation Authority (“PRA”).Business (Item 1)

Also named by AFRM, AJG, AMG, BGC, BRO, CBOE, COF, CPAY and 17 more

New York State Department of Financial Services

subject to
RiverSource Life Insurance Company is domiciled in Minnesota and regulated by the MN DOC and RiverSource Life Insurance Co. of New York is domiciled in New York and regulated by the New York State Department of Financial Services (“NY DFS”), and together with MN DOC are the “Domiciliary Regulators”.Business (Item 1)

Also named by AFL, AIG, BPOP, COIN, EFX, FNF, GS, HOOD and 9 more

Commission de Surveillance du Secteur Financier

subject to
Specifically, we are directly regulated in the EU by the Commission de Surveillance du Secteur Financier in Luxembourg and the Autoriteit Financiele Markten and De Nederlandsche Bank in the Netherlands.Business (Item 1)

Also named by AB, ARES, BEN, BX

Minnesota Department of Commerce

subject to
RiverSource Life Insurance Company is domiciled in Minnesota and regulated by the MN DOC and RiverSource Life Insurance Co. of New York is domiciled in New York and regulated by the New York State Department of Financial Services (“NY DFS”), and together with MN DOC are the “Domiciliary Regulators”.Business (Item 1)

Laws and programs

NAIC risk-based capital requirements

subject to · 523%named as a risk
The National Association of Insurance Commissioners (“NAIC”) has established RBC standards that all state insurance departments have adopted and has proposed changes to the RBC framework that could increase the required capital.Business (Item 1)

Also named by CINF, OSCR

FRB Building Block Approach

subject to · 989%
Ameriprise Financial reports to the FRB under a consolidated capital framework termed the “Building Block Approach” (“BBA”) for savings and loan holding companies that are significantly engaged in insurance activities (commonly referred to as insurance savings and loan holding companies).Business (Item 1)

Community Reinvestment Act

subject tonamed as a risk
In order to maintain our status as a financial holding company, Ameriprise Bank, as our sole insured depository institution subsidiary, must remain “well-capitalized” and “well-managed” under applicable regulations, and must receive at least a “satisfactory” rating in its most recent examination under the CRA.Business (Item 1)

Also named by ALLY, AUB, CFG, CFR, EFSC, EWBC, FCNCA, FHN and 20 more

Volcker Rule

subject tonamed as a risk
Compliance with bank holding company laws and regulations, including the Volcker Rule, impacts the structure and availability of certain of our products and services and our costs in providing those products and services.Risk factors (Item 1A)

Also named by BAC, GS, HBAN, MS, NTRS, PNC, RJF, SCHW and 5 more

State insurance guaranty associations

subject tonamed as a risk
In the event of insolvency of one or more unaffiliated insurance companies, our insurance companies could be adversely affected by the requirement to pay assessments to the guaranty fund associations.Risk factors (Item 1A)

Also named by APO

ERISA / U.S. Department of Labor fiduciary rule

subject tonamed as a risk
The U.S. Department of Labor (“DOL”) finalized its voluntary exemption for providing investment advice to retirement account clients and has reinstated prior guidance for determining who is an investment advice fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), in 2024.Business (Item 1)

Investment Company Act of 1940

subject to
ACC is regulated as an investment company under the Investment Company Act of 1940.Business (Item 1)

Also named by ABR, AMG, ARCC, ARES, BAM, BCSF, BEN, BX and 28 more

SEC Regulation Best Interest

subject to
The SEC’s Regulation Best Interest standard of care became effective June 30, 2020 and the SEC continues to issue various statements and other guidance on complying with the regulation.Business (Item 1)

Also named by BX, JXN, LNC, PRU, SF

EU MiFID II / AIFMD / UCITS directives

subject to
For example, certain of our asset management subsidiaries are required to comply with the Markets in Financial Instruments Directive (“MiFID II”), the Alternative Investment Fund Managers Directive (“AIFMD”), the European Market Infrastructure Regulation (“EMIR”), UCITS, the Sustainable Finance Disclosure Regulation (“SFDR”) and the Packaged Retail and Insurance-based Investment Products Regulation (“PRIIPs”).Business (Item 1)

Federal Trade Commission franchise rules

subject to
In addition, because our independent contractor advisor platform is structured as a franchise system, we are also subject to Federal Trade Commission and state franchise requirements.Business (Item 1)