Integrate climate-related risks into bank monetary policy before attempting to integrate climate into other areas of bank operations.

Obligate firms to allocate responsibility for climate-related risks using a bottom-up approach where the risk team assesses climate risks while the board of directors approves or denies.

Require banks and insurers include all material exposures relating to financial risks from climate change under capital adequacy and solvency assessments.

Adopt a policy that requires firms to submit climate risk disclosures that precisely follow NGFS guidelines.