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Latest News

18
Feb

BNPL Authorisation Is Coming

February 18, 2026
A Practical Guide for Compliance Teams Preparing for FCA Regulation With Buy-Now-Pay-Later (BNPL) regulation now confirmed for implementation in July 2026, firms operating in or entering the sector must prepare for a full transition into the FCA’s regulatory perimeter. For many compliance professionals, this will involve navigating the FCA authorisation process for the first time...
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17
Feb

Financial Promotions in 2026

February 17, 2026
Why “Clear, Fair and Not Misleading” Is No Longer Enough For many years, “clear, fair and not misleading” formed the backbone of financial promotions compliance. It was a familiar standard and, for some firms, a largely technical exercise focused on accuracy and disclosure. In 2026, that approach is no longer sufficient. The FCA has made...
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16
Feb

BNPL Regulation Is Finally Here: What the New FCA Regime Means for Firms

February 16, 2026
After several years of consultation, political pressure and market growth, the UK’s Buy-Now-Pay-Later (BNPL) sector is finally moving into full regulation. From 15 July 2026, deferred payment credit, commonly known as BNPL, will formally fall within the Financial Conduct Authority’s regulatory perimeter, bringing one of the fastest‑growing areas of consumer finance into line with mainstream...
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14
Feb

Distribution Chains in 2026

February 14, 2026
Why Brokers, Introducers and Lenders Are All Still on the Hook Distribution chains have been a regulatory concern for years, but in 2026 the FCA’s position is clearer (and firmer) than ever. Where consumer outcomes fall short, responsibility will not be deflected down the chain. Lenders, brokers and intermediaries are all accountable for the part...
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11
Feb

Consumer Duty Another Year On

February 11, 2026
What the FCA Is Now Challenging in Practice When the Consumer Duty came into force, most consumer credit firms responded with urgency. Frameworks were built, policies updated, Board papers drafted and implementation plans rolled out. One year on, however, the FCA’s focus has moved decisively beyond whether firms implemented the Duty to whether they can...
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07
Feb

The ICO–Government Memorandum of Understanding

February 7, 2026
Why Financial Services Firms Should Pay Attention In early January, the Information Commissioner’s Office entered into a formal Memorandum of Understanding with HM Government. On the surface, this may appear to be an internal, public-sector focused development. In reality, it signals something far broader, and far more relevant to regulated firms. For the ICO this...
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04
Feb

Credit Brokers in the Spotlight: Key FCA Expectations for 2026

February 4, 2026
Credit brokers have always attracted a high level of regulatory attention, but in 2026 that scrutiny has intensified. As Consumer Duty beds in and the FCA focuses more heavily on distribution chains, brokers are increasingly viewed as outcome shapers, not just intermediaries. For the Financial Conduct Authority (FCA), credit brokers sit at a critical point...
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30
Jan

January Under the Microscope

January 30, 2026
How the FCA Assesses Consumer Credit Firms After the Festive Period January is one of the most revealing months in the regulatory calendar for consumer credit firms. While December is often dominated by volume, marketing and operational pressure, January is where the consequences surface. Arrears increase, complaints rise, vulnerability becomes more visible, and systems that...
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28
Jan

Updated DSAR Guidance Under the Data (Use and Access) Act:

January 28, 2026
What Financial Services Firms Need to Know Data Subject Access Requests (DSARs) have long been a pressure point for financial services firms. They are operationally disruptive, legally sensitive and often triggered at moments of heightened customer dissatisfaction whether that be complaints, arrears, collections or disputes. With the introduction of the Data (Use and Access) Act...
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