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Latest News

05
Mar

Guide to becoming authorised with the FCA for UK Lenders

March 5, 2026
Getting authorised by the Financial Conduct Authority (FCA), whilst essential, is a significant milestone for any lending business, but the requirements for 2026 are more rigorous than they have ever been. Whilst it might be tempting to see the application as an easy-to-do formality, there is a contrast between a basic submission, which could be...
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28
Feb

Vulnerable Customers in 2026

February 28, 2026
What the FCA Is Expecting to See — and Where Firms Still Fall Short Vulnerability has been a regulatory priority for several years, but in 2026 the FCA’s expectations are sharper and far less forgiving. Firms are no longer judged on whether they have a vulnerability policy, but on whether vulnerable customers actually experience better...
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25
Feb

Supervision, Not Enforcement

February 25, 2026
How the FCA Is Quietly Turning Up the Heat When firms think about regulatory risk, enforcement still dominates the conversation. Fines, redress schemes and public censure feel tangible and immediate. In reality, however, the FCA’s most powerful lever in consumer credit today is not enforcement at all — it is supervision. For the Financial Conduct...
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22
Feb

Preparing for FCA Thematic Reviews in 2026

February 22, 2026
What Consumer Credit Firms Should Expect For many consumer credit firms, thematic reviews remain one of the least understood, and most disruptive, forms of FCA intervention. They rarely arrive with much warning, they cut across multiple parts of the business, and they often surface issues firms did not realise were connected. In 2026, thematic work...
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20
Feb

Why the FCA Is No Longer Accepting Framework-Only Compliance

February 20, 2026
For many consumer credit firms, the last few years have been dominated by policy work. New frameworks have been written, governance structures refreshed and compliance libraries expanded. On paper, many firms have never looked stronger. The FCA’s message in 2026 is clear: that phase is over. What matters now is not the quality of a...
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18
Feb

BNPL Authorisation Is Coming

February 18, 2026
A Practical Guide for Compliance Teams Preparing for FCA Regulation With Buy-Now-Pay-Later (BNPL) regulation now confirmed for implementation in July 2026, firms operating in or entering the sector must prepare for a full transition into the FCA’s regulatory perimeter. For many compliance professionals, this will involve navigating the FCA authorisation process for the first time...
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17
Feb

Financial Promotions in 2026

February 17, 2026
Why “Clear, Fair and Not Misleading” Is No Longer Enough For many years, “clear, fair and not misleading” formed the backbone of financial promotions compliance. It was a familiar standard and, for some firms, a largely technical exercise focused on accuracy and disclosure. In 2026, that approach is no longer sufficient. The FCA has made...
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16
Feb

BNPL Regulation Is Finally Here: What the New FCA Regime Means for Firms

February 16, 2026
After several years of consultation, political pressure and market growth, the UK’s Buy-Now-Pay-Later (BNPL) sector is finally moving into full regulation. From 15 July 2026, deferred payment credit, commonly known as BNPL, will formally fall within the Financial Conduct Authority’s regulatory perimeter, bringing one of the fastest‑growing areas of consumer finance into line with mainstream...
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14
Feb

Distribution Chains in 2026

February 14, 2026
Why Brokers, Introducers and Lenders Are All Still on the Hook Distribution chains have been a regulatory concern for years, but in 2026 the FCA’s position is clearer (and firmer) than ever. Where consumer outcomes fall short, responsibility will not be deflected down the chain. Lenders, brokers and intermediaries are all accountable for the part...
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