Compliance Insights Articles

DPC temporary permissions regime registration deadline – apply by 15th May From 15th July 2026 Deferred Payment Credit (DPC) will fall under FCA regulation. Lenders currently offering interest-free, short-term installments must apply for FCA authorisation under the Temporary Permissions Regime if they are not already regulated. The FCA has published its ‘Directions’ for firms wishing to enter the TPC. Firms will need to: Ensure they have clear evidence that they undertake DPC

SM&CR Reforms

Despite its confidence that the Consumer Duty means fewer updates to rules, the FCA is looking to make some changes over the next year. While these changes may be aimed at clarifying and simplifying the Duty over the long term, in the short term it means that firms will need to understand and implement those changes. Work planned for 2026 shows that the Regulator will aim to tighten how firms interpret the Duty and put it into practice, with the focus likely to be on how prod

In March the FCA released their inaugural Regulatory Priorities reports which can be found here: Regulatory Priorities reports | FCA . These are important updates which replace the portfolio letters previously used by the regulator to communicate concerns and priorities for each sector. Across banking, payments, wealth, and beyond, the FCA isn’t trying to reinvent the wheel. Instead, it’s asking firms to prove—properly, demonstrably, and with evidence—that the basics are

Applying for FCA authorisation is a critical step for businesses operating in financial services, debt collection, and consumer credit sectors. The process can be complex and demanding, requiring a clear understanding of regulatory requirements and thorough preparation. I want to share insights on how expert guidance can simplify this journey, ensuring your application is accurate, complete, and timely. Understanding the Importance of FCA Authorisation Help UK Navigating the

From September 2026, the FCA will introduce important changes to how firms must identify, assess, and manage non-financial misconduct . This marks a clear shift in regulatory expectations — and one that firms cannot afford to overlook. What is changing? Non-financial misconduct (NFM) refers to behaviours such as: Bullying or harassment Discrimination Serious personal misconduct that raises questions about an individual’s integrity While firms have always been expected to cons