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Latest News

24
Jun

FCA Compliance for SMCR and Directors

June 24, 2025
FCA Compliance and Senior Hires: Why Background Screening Is A Non-Negotiable In the highly regulated financial services industry in the UK, the integrity, competence, and honesty of individuals holding senior roles are critical to maintaining public trust and organisational stability. The Financial Conduct Authority (FCA) places significant emphasis on ensuring that directors and senior managers...
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24
Jun

Why Consumer Credit Firms Must Get FCA Returns Right

June 24, 2025
In today’s tightly regulated financial environment, data isn’t just a back-office task—it’s a regulatory lifeline. For UK consumer credit firms, the Financial Conduct Authority (FCA) requires precise and timely regulatory reporting to ensure firms are operating within the rules and delivering fair outcomes to consumers. Through its consumer credit reporting requirements, the FCA gains insight...
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24
Jun

Banked But Broke? What the FCA’s Findings Mean for You—and the Credit Industry

June 24, 2025
We’ve All Got Bank Accounts… So Why Aren’t We Saving? According to the latest FCA press release, financial inclusion is improving in some areas, but troubling gaps remain. While more people in the UK now have bank accounts, 1 in 10 adults still have no cash savings whatsoever. That’s right—no rainy day fund, no emergency...
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21
May

How Pawnbrokers Are Helping Customers Reclaim Their Cash

May 21, 2025
Imagine walking into your local pawnbroker to cash a cheque or exchange currency, only to discover you’re owed money from a previous transaction. Thanks to a recent initiative by the Financial Conduct Authority (FCA), this scenario is becoming a reality for many customers. The Surplus Dilemma In the pawnbroking world, when a pawned item sells...
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21
May

Understanding the FCA’s New Approach to Supervisory Communications

May 21, 2025
On 24th April 2025, the Financial Conduct Authority (FCA) announced a significant overhaul of its supervisory communications, aiming to simplify and modernise its engagement with regulated firms. This initiative is part of the FCA’s broader strategy to enhance regulatory efficiency and support the implementation of the Consumer Duty. Key Changes to Supervisory Communications 1. Discontinuation...
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21
May

Cyber Wake-Up Call: Why M&S Should Have You Rethinking Security

May 21, 2025
Imagine this: you’re a team member in the IT Department at a well-known retail giant, and you’re suddenly told to stay overnight at the office — not for a team-building exercise, but because of a major cyber incident. You’re cut off from critical systems, communication is in disarray, and paranoia is spreading faster than malware....
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07
Apr

The FCA’s FS25/2 Update

April 7, 2025
Previous “Dear CEO” Advisory Changes – what it could mean for Consumer Credit Firms The Financial Conduct Authority (FCA) has just unveiled its latest regulatory refresh – FS25/2 – on 25th March 2025. For businesses operating in the consumer credit sector, this is more than just a policy update – it’s a chance to breathe...
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07
Apr

The FCA’s FS25/2 Update: What It Means for Consumer Credit Firms

April 7, 2025
The Financial Conduct Authority (FCA) has just unveiled its latest regulatory refresh – FS25/2 – on 25th March 2025. For businesses operating in the consumer credit sector, this is more than just a policy update—it’s a chance to breathe easier as the FCA trims unnecessary complexity and sharpens its focus on outcomes-based regulation.  Let’s break...
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17
Aug

Consumer Fraud increases to 22.5% for the period 2020-2021

August 17, 2022
All of us have been aware of the increase in fraudulent attempts both in business and on consumers over the past 12 months.  YouGov writes: An Accenture report found that reported cases of consumer fraud increased from 6.8% to 22.5% during 2020-2021. According to the report, around 7% of the population across countries like the...
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