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UK FCA consults on changes to create stronger framework to support borrowers in financial difficulty

As previously referred to by the FCA (for example in its 2023/24 Business Plan) and following its Borrowers in Financial Difficulty (BiFD) project findings, it has launched a consultation...


UK FCA overdrafts remedies: Positive findings tempered by cost of living and upcoming Consumer Duty

The FCA’s evaluation of its 2019 personal current account (PCA) overdraft rule changes - introduced as part of its High-Cost Credit Review - paints a largely positive picture in terms ...


Learning from Silicon Valley Bank

Many lessons will be learned from the failure of Silicon Valley Bank last weekend. The full story is unlikely to emerge for some time, but commentators have quickly reached a consensus on...


UK Consumer Duty: Key considerations to ensure positive Consumer Support outcomes

The overarching aim of the Consumer Duty principle is to achieve good outcomes for customers. The Consumer Support outcome is intended to ensure that firms apply the same standards to...


UK Financial Services Regulatory Initiatives Forum publishes sixth edition of Grid

The eagerly awaited sixth edition of the Financial Services Regulatory Initiatives Grid has been published by the Financial Services Regulatory Initiatives Forum. The delay to its...


Financial Institutions Horizons 2023

The outlook for 2023 looks uncertain, following another tumultuous year. The collapse of a number of large cryptocurrency exchanges has shone another spotlight on the digital asset...


Implementing UK Consumer Duty: Prioritisation, delivering real change, and teamwork are key

The FCA has published its findings from its review of the Consumer Duty implementation plans of around 60 of the largest retail financial services firms who have fixed FCA supervisory...

Insights and Analysis

Consumer Duty: Achieving good outcomes for vulnerable customers

The new Consumer Duty rules build on the FCA’s vulnerable customer guidance in FG21/1 and place a great emphasis on the fair treatment of vulnerable customers as an integral part of...

Insights and Analysis

Achieving good outcomes whilst managing competing priorities - Quality Assurance

The months ahead are set to be challenging for all with the cost of living crisis taking its grip on all firms and customers, incoming regulatory changes such as the UK’s Consumer...

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