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New rules aim to help regulators monitor risks while giving public more information on prices.
Despite increased interest, pricing remains flat overall.
Move comes as U.S. economic growth leads to tighter labor market.
Higher regulatory standards will drive up cost of protection, company argues.
Pass-through businesses worry about losing breaks but not benefiting from a lower rate.
Requirement covers all employees who were signatories on foreign financial accounts at any time since 2010; procrastinating this year increases effort next year.
