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FCA Updates on Growth and the Consumer Duty

Speech focuses on the regulatory change agenda, and confirms that firms are no longer expected to have a Consumer Duty board champion. On 27 February 2025, the FCA published a speech given by Nikhil Rathi, in which he...more

PCAF Launches Consultation on New Methodologies for the Global GHG Accounting and Reporting Standard

The consultation covers new methodologies for the financial sector’s GHG emissions reporting, including regarding avoided emissions, or “scope 4” emissions. On 3 December 2024, the Partnership for Carbon Accounting...more

UK Regulators Propose Shake-up to Bank Remuneration Rules

On 26 November 2024, the PRA and the FCA published a joint Consultation Paper on changes to the remuneration rules (PRA CP16/24, FCA CP24/24). The changes are relevant to banks, building societies, and PRA-designated...more

UK Regulators Publish Final Rules for Critical Third Parties

The new regime will take effect on 1 January 2025, but will not diminish the responsibilities of financial services firms relying on the services of critical third parties....more

Key Takeaways From Rachel Reeves’ Mansion House Speech

The UK Chancellor announces a growth-focused agenda for financial services. On 14 November 2024, the new Chancellor of the Exchequer, Rachel Reeves, delivered her first Mansion House speech....more

FCA Publishes Results of Non-Financial Misconduct Survey

The data provides important insights to assist firms with their ongoing work in this area. On 25 October 2024, the FCA published the results of a survey on non-financial misconduct it undertook earlier in the year...more

UK Regulators Set Out Plans on Growth and International Competitiveness

PRA and FCA speeches recap the regulators’ work to deliver growth and enhance competitiveness, and outline some key upcoming policy work. On 17 October 2024, the PRA and the FCA both published speeches given by their...more

FCA Consults on Permitting Bundled Payments for Research

The FCA is proposing to allow asset managers to rebundle payments for third-party research and trade execution. On 10 April 2024, the FCA published its much-anticipated Consultation Paper on payment optionality for...more

FCA’s 2024/25 Business Plan Signals Focus on Wholesale Markets Reform

Fighting financial crime, protecting consumers’ needs, and bolstering wholesale markets are the regulator’s key priorities for the year ahead. On 19 March 2024, the FCA published its Business Plan for 2024/25, setting...more

Government Report Finds Financial Services Sector Could Work Better for Women

The Sexism in the City report highlights key issues affecting women in financial services and sets out a number of recommendations to address them. On 8 March 2024, the House of Commons Treasury Committee published its...more

FCA Consults on Plans to Announce Enforcement Investigations

The FCA plans to streamline its approach to enforcement and publicise investigations at an early stage. On 27 February 2024, the FCA published a Consultation Paper (CP24/2) on its proposed new approach to publicising...more

FCA Explores How to Close the “Advice Gap”

The Discussion Paper on the Advice Guidance Boundary Review examines how authorised firms can provide more support to customers. The FCA has published a Discussion Paper (DP23/5) with the government on the Advice...more

UK Regulators Publish New CTP Regulatory Framework Proposal

Critical Third Parties serving the UK financial sector must ready themselves for compliance with the newly proposed operational resilience requirements. On 7 December 2023, the PRA, FCA, and BoE jointly published a...more

EU Revamps Consumer Credit Rules

The changes will significantly modernise the regime and enhance consumer protections. The EU has adopted a new Consumer Credit Directive, known as CCD2, which repeals and replaces the existing EU consumer credit regime...more

The Consumer Duty - One Month to Go

With the implementation deadline looming, the FCA has set out some additional guidance for firms. With one month to go until the Consumer Duty (Duty) implementation deadline of 31 July 2023 (for new and existing products...more

UK to Regulate Cryptoasset Promotions

HM Treasury has confirmed that it will bring certain unregulated cryptoassets within scope of the financial promotions regime. On 18 January 2022, the UK government confirmed its intention to bring the promotion of certain...more

French and Dutch Regulators Propose Tighter Supervision of Cross-Border Retail Activities

The regulators suggest improvements to the supervision of firms passporting retail products and services in the EU. The French and Dutch financial services regulators (the AFM and the AMF) have published a joint position...more

FCA Business Plan 2021/22: Firms Should Expect a More Assertive FCA

FCA signals that it aims to take a tougher stance. The FCA published its Business Plan for 2021/22 on 15 July 2021. The Plan, and accompanying remarks made by Nikhil Rathi, FCA CEO, suggest that the FCA intends to take a...more

Taskforce Proposes New Approach to Financial Regulation in the UK

A report from the Taskforce on Innovation, Growth and Regulatory Reform provides recommendations for how the UK can “re-imagine” its approach to regulation post-Brexit. On 16 June 2021, the Taskforce on Innovation,...more

FCA Proposes New Consumer Duty

The FCA is proposing to set higher expectations for firms operating in retail markets. On 14 May 2021, the FCA published a Consultation Paper (CP21/13) on introducing a new Consumer Duty....more

Alternative Data: Regulatory and Ethical Issues for Financial Services Firms to Consider - March 2020

Not too long ago, an investment manager looking to invest in a company might conduct due diligence, attend investor relation calls, peruse quarterly or annual filings, and consider standard ratios such as price to earnings...more

Private Bank Briefing: Issues Impacting the Private Bank Sector - June 2019

The FCA and the PRA published their Business Plans for 2019/20 in April 2019. FCA Priorities - As expected, with Brexit remaining a key focus, there are few new initiatives for this year. The FCA’s Business Plan sets...more

MiFID II Costs and Charges - Room For Improvement

The FCA has issued feedback from its review of firms’ costs and charges disclosures under MiFID II. Key Points: ..The FCA found that, despite firms being aware of the rules and taking compliance seriously, firms are not...more

FCA Finalises Changes to its Financial Crime Guide

The FCA has finalised a new chapter on insider dealing and market manipulation. Key Points: ..Firms should take note of the new guidance, which applies immediately. ..Helpfully, the FCA has clarified that firms do...more

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