Authorised Push Payment (APP) fraud continues to be one of the most damaging and rapidly evolving forms of financial crime in the UK. In these scams, victims are tricked into willingly transferring money to fraudsters under the guise of legitimate transactions. Unlike unauthorised fraud, where criminals gain access to accounts without consent, APP
On 14 January 2026, the Financial Conduct Authority (FCA) published Consultation Paper 26/3: Retail Banking Business Models data (CP26/3).
Proposals
In CP26/3 there are proposals to require certain retail banks and building societies to send to the FCA an annual regulatory reporting return with information on their business models. This will
Today, 12 January, 2026 may be one of the most important dates for firms in the retail investment market this year.
Following changes introduced in PS 25/13 – tucked away amongst other reforms to the MiFID Org Reg – the FCA has made a fundamental shift in retail disclosure through relatively minor changes to the
On 18 December 2025, there was published on Legislation.gov.uk, The Consumer Composite Investments (Designated Activities) (Amendment) Order 2025 together with an explanatory memorandum.
This Order amends the Consumer Composite Investments (Designated Activities) Regulations 2024 to provide temporary exemptions from the financial promotion restriction and the scheme promotion restriction, in sections 21(1) and 238(1) of the
On 16 December 2025, the Payment Systems Regulator (PSR) and the Financial Conduct Authority (FCA) published Commercial variable recurring payments – Update on delivery. The FCA has also published a new webpage Open banking: a year of progress which includes information on its strategic approach and Open Banking Limited has
On 3 December 2025, the Financial Conduct Authority (FCA) published Policy Statement 25/19: Improving the Complaints Reporting process (PS25/19).
In PS25/19 the FCA summarises the feedback it received to its earlier consultation (CP25/13) setting out proposals to improve the usefulness and comparability of the data it receives, while reducing unnecessary reporting
On 5 November 2025, HM Treasury (HMT) published the Financial Inclusion Strategy (the Strategy), setting out the government’s plan to improve the financial inclusion and wellbeing of households across the UK.
The Strategy has been shaped by the Financial Inclusion Committee and various stakeholders which includes targeted interventions across three
On 26 September 2025, the Financial Conduct Authority (FCA) issued Consultation Paper 25/26: Consequential Handbook changes following the proposals in CP25/17 (CP25/26).
Background
Earlier this year the FCA published Consultation Paper 25/17 (CP25/17), setting out detailed rules for a new regulated proposition for targeted support in pensions and retail
On 27 August 2025, the Financial Conduct Authority (FCA) published a statement intended to provide clarity for stakeholders (such as employers, platforms, payroll and savings providers) on how workplace saving schemes can be successfully set up and implemented to comply with current rules and legislation.
The statement focuses on ‘opt-in’ schemes (i.e. schemes