Compliance Insights Articles

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

Navigating the regulatory landscape in the financial services, debt collection, and consumer credit sectors can be challenging. The Financial Conduct Authority (FCA) sets out detailed rules and guidance to ensure firms operate fairly and transparently. One critical resource for compliance is the Consumer Credit sourcebook, commonly known as CONC. Mastering this sourcebook is essential for businesses aiming to meet regulatory expectations and avoid costly penalties. In this po

With the FCA’s motor finance redress scheme now published , the focus for lenders and brokers shifts to next steps in line with the scope, timelines and expectations. The regulatory message is clear: firms are expected to evidence decision making and to put in place the resources needed to handle large-scale customer redress. There are tight deadlines and expectations around early readiness, including the need to articulate delivery approaches to the FCA. Firms that delay now