insights & articles
CP25/36: Practical Implications for Professional Client Categorisation and Transitional Requirements
The FCA’s CP25/36: Simplifying client categorisation and conflicts of interest rules presents materially significant changes, despite an ostensibly limited scope. While the proposals aim to streamline conflicts rules, introduce a high-net-worth route to elective professional status, and
FCA Simplifies Insurance Rules Under PS25/21
The Financial Conduct Authority (FCA) has published PS25/21: Simplifying the insurance rules, finalising a series of reforms aimed at reducing unnecessary complexity in the regulatory framework for insurers, intermediaries and firms providing funeral
PS25/18: Changes to Handling Rules for Motor Finance Complaints
In PS25/18: Changes to handling rules for motor finance complaints, the FCA confirms further temporary changes to the complaint handling rules for motor finance complaints. These changes are designed to manage how firms deal
The FCA Opens the Door to Tokenised Fund and Asset Management Models
Innovation is driving change and competition in financial services. The Financial Conduct Authority (FCA) is laying a new regulatory foundation for the new age of financial services by focusing on
FCA Authorisations: Increased Scrutiny of Payments Firms at the Gateway
Following on from my recent reflection on my ‘Greatest Hits’, I’ve been asked to revisit another of my key topics: FCA authorisations, with particular focus on the payments sector. Having spent many years
FCA Focus on Payments Firms’ Use of Agents and Distributors
As part of its ongoing scrutiny of compliance standards among payment and e-money institutions, the Financial Conduct Authority (FCA) continues to refine its supervisory expectations in priority areas. These include
New Year, New Regulation for EMIs
With effect from 1 January 2026 the UK formally adopts the latest version of the Organisation for Economic Co-operation and Development’s (OECD’s) Common Reporting Standards (CRS) (often referred as “CRS 2.0”) under HM Revenue and Customs (HMRC)’s recently updated
The Change in Control Regime: A Practical Guide for Firms and Investors
The UK’s Change in Control (CiC) regime has been the subject of many articles over the years, and that’s just from myself! But, if something is worth saying, it’s worth repeating. In this context, it
