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Latest News

25
Feb

Supervision, Not Enforcement

February 25, 2026
How the FCA Is Quietly Turning Up the Heat When firms think about regulatory risk, enforcement still dominates the conversation. Fines, redress schemes and public censure feel tangible and immediate. In reality, however, the FCA’s most powerful lever in consumer credit today is not enforcement at all — it is supervision. For the Financial Conduct...
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22
Feb

Preparing for FCA Thematic Reviews in 2026

February 22, 2026
What Consumer Credit Firms Should Expect For many consumer credit firms, thematic reviews remain one of the least understood, and most disruptive, forms of FCA intervention. They rarely arrive with much warning, they cut across multiple parts of the business, and they often surface issues firms did not realise were connected. In 2026, thematic work...
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20
Feb

Why the FCA Is No Longer Accepting Framework-Only Compliance

February 20, 2026
For many consumer credit firms, the last few years have been dominated by policy work. New frameworks have been written, governance structures refreshed and compliance libraries expanded. On paper, many firms have never looked stronger. The FCA’s message in 2026 is clear: that phase is over. What matters now is not the quality of a...
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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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