I've worked with a major financial institution (let's just say that you'd definitely recognise the name) in a past job, and while I couldn't really see exactly

I've worked with a major financial institution (let's just say that you'd definitely recognise the name) in a past job, and while I couldn't really see exactly what was going on with the certs they issued, I'm sure it was a pretty manual process given our observations of things changing then reverting again later. I don't think regulation was really the issue though, just bad old processes. I wonder what they will do with the shorter validity periods. They aren't required to comply in the same way; it's not a great look not to but I can't believe the processes will scale (for them or their customers) to renewing an order of magnitude more frequently.