UK Financial Services Supervision: A Brief History of Time
Author: James Borley, Director of Payment Services By any measure, the UK’s approach to financial services supervision has undergone profound transformation since the modern regulatory era began in 1988. What started as a largely […]
Modernising Consumer Credit Promotions
The Financial Conduct Authority (“FCA”) is reshaping the future of consumer credit promotions. With the publication of Consultation Paper CP26/15, the regulator has signalled a major shift away from prescriptive disclosure […]
Understanding the FCA’s Crypto Perimeter
The UK’s cryptoasset regulatory landscape is entering a new phase. With the publication of Consultation Paper CP26/13, the Financial Conduct Authority (“FCA”) has provided its clearest indication yet of how the future cryptoasset regime […]
FCA Payments Priorities 2026: What Payment and E-Money Firms Need to Prepare for Now
The Financial Conduct Authority (“FCA”) has published its 2026 Regulatory Priorities for Payment’s report, replacing the previous Dear CEO and portfolio letter approach with a single annual publication for the sector. The report applies […]
FCA’s Latest Enforcement Action Sends a Clear Message on Unlawful Financial Promotions
The Financial Conduct Authority (FCA) has intensified its crackdown on suspected unlawful financial promotions, with three individuals recently arrested as part of an ongoing investigation into potentially illegal investment marketing activities. […]
Understanding the UK Financial Advice Market: What the FCA’s Latest Survey Tell Us
The FCA’s Understanding the Financial Advice Market publication provides a data‑led overview of how the UK financial advice sector is operating, evolving and responding to consumer needs. The report draws primarily on […]
The FCA are Modernising the Redress Scheme: What This Means in Practice
The FCA recently published CP26/9, building on the foundations set out in CP25/22 last year, as part of a broader programme of reform aimed at reshaping how firms identify, assess and remedy consumer harm. CP25/22 primarily focused on […]
Inactive ARs Under FCA Scrutiny
The Financial Conduct Authority (“FCA”) has published guidance on managing the risks associated with inactive Appointed Representatives (“ARs”), including Introducer Appointed Representatives (“IARs”), setting out examples of good and poor […]
FCA Takes Next Steps Toward Enforcement Action Against Hartley Pensions and an Individual
Importance of Protecting Pension Holders Pensions represent the long-term savings and financial security of individuals, often built over decades of contributions. When pension operators fail to act with integrity or […]
The FCA’s Cryptoasset Perimeter Consultation (CP26/13): The Journey Continues
Author: James Borley, Director, Payment Services By any measure, the UK’s approach to cryptoasset regulation has reached an inflection point. It is now no longer a matter of ‘if’ but ‘when’. With […]