Consumer Credit Regulatory Updates | Reg Monitoring

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🇬🇧 FCA News

May 27th 2026

Review of financial promotion approvers finds some firms need to raise standards

Firms that approve financial promotions should be doing more to protect consumers, an FCA review has found. The FCA found that the strongest firms were applying the Consumer Duty from the start of their processes. They were able to make sure that every promotion approved was accurate, clear and reached the right audience.However, the FCA also found that some firms approved adverts with unsubstantiated claims or allowed retail investors to see promotions intended for professional clients. In s...

Sectors:

Investment Management Consumer Credit Capital Markets & Trading

Topics:

Consumer Protection / Conduct Authorisation & Licensing

All Firms

🇬🇧 FCA News

May 27th 2026

Vacancies open for FCA Smaller Business Practitioner Panel

We’re inviting applications from senior practitioners at smaller regulated firms in the general insurance and consumer credit sectors to join the panel. The Smaller Business Practitioner Panel provides independent advice and challenge from the perspective of smaller firms, helping to shape our work at a time of significant change in UK financial services regulation.Its key remit is to provide input to the FCA from the industry to help us meet our strategic and operational objectives from a sm...

Sectors:

Insurance & Pensions Consumer Credit

Topics:

Authorisation & Licensing Senior Managers / Governance

InsuranceAll Firms

🇦🇺 ASIC News

May 27th 2026

Federal Court orders Westpac to pay $26 million penalty for hardship failures

Federal Court orders Westpac to pay $26 million penalty for hardship failures

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Authorisation & Licensing

Bank

🇮🇪 CBI Speech

May 22nd 2026

A Modern Code for a Modernising Movement - Speech by Deputy Governor Colm Kincaid at ILCU

Good afternoon and thank you for the opportunity to speak to you today. It is great to see the energy and commitment to the credit union movement evident here today and reflected in your agenda for today’s conference. 1 Today’s event is especially timely, coming not long since Minister Troy’s announcement in April of the Credit Union Strategy Project, which provides an opportunity to future proof the credit union sector to overcome challenges and meet opportunities. The Central Bank welcomes ...

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Authorisation & Licensing Technology & Cyber

Bank

🇬🇧 FCA News

May 19th 2026

Is the claims management market working?

When consumers are wronged, many rightly seek fair compensation. Some complain directly, without paying a penny using free Ombudsman services. Others turn to claims management companies (CMCs) or law firms.They can provide a valuable service and support access to justice.However, we’ve seen firsthand from the way some claims firms have handled car finance complaints that, all too often, they make a difficult situation worse.Poor practices include unwanted texts or emails sent to people who ne...

Sectors:

Consumer Credit Banking & Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

All Firms

🇬🇧 FCA Policy medium

May 18th 2026

Our response to the Treasury’s policy statement on Consumer Credit Act reform

The Treasury has published its policy statement today on reform of the Consumer Credit Act 1974 (CCA). Reform of the CCA is an important step towards a more flexible regime that supports effective competition and innovation, while maintaining appropriate consumer protection both now and in the future. The proposals set out a framework that places greater emphasis on FCA rules and guidance rather than prescriptive requirements set out in legislation.We intend to consult on the key elements of ...

AI Analysis

HM Treasury has issued a policy statement on reform of the Consumer Credit Act 1974 (CCA), signalling a strategic shift from prescriptive, statute-based requirements towards an FCA rulebook-led regime for consumer credit. The FCA’s response confirms it will consult on moving key CCA elements into FCA rules and guidance, anchored in the Consumer Duty, which will materially reshape documentation, processes and conduct standards across the consumer credit lifecycle.

What Changed

- The UK Government has confirmed a programme to reform the Consumer Credit Act 1974, moving away from detailed prescriptive legislative requirements towards a more flexible framework based on FCA...
The FCA has stated its intention to consult on “key elements” of the consumer credit framework that are currently in primary or secondary legislation, where it has the power to do so, covering the...
The Consumer Duty (Principle 12, PRIN 2A) is explicitly confirmed as the overarching framework for the future consumer credit regime, meaning consumer credit firms will be expected to demonstrate...
The FCA has signalled that existing consumer rights and protections under the CCA (including cancellation and withdrawal rights, termination, and early settlement rights) will be reviewed and...
Any new FCA rules arising from CCA reform will be supported by a formal cost–benefit analysis and shaped through stakeholder engagement, implying a structured consultation process (likely one or more...

Suggested Considerations

Establish an internal CCA reform working group (legal, compliance, product, operations) to track HM Treasury and FCA publications on Consumer Credit Act reform and prepare coordinated responses.
Map all existing product lines and customer journeys against current CCA and CONC requirements to identify areas most likely to be affected if obligations move from legislation into FCA rules (e.g. pre‑contract disclosure, notices of sums in arrears, default notices, early settlement calculations).
Review your Consumer Duty implementation for consumer credit products (especially outcomes testing, fair value assessments and customer support processes) to ensure it can absorb additional or re‑framed requirements that may migrate from the CCA into the FCA Handbook.
Compile an inventory of CCA‑dependent documentation (agreements, pre‑contract information, statutory notices, arrears and default letters, early settlement communications) and assess the effort required to update them if the form or content requirements are recast in FCA rules.
Enhance regulatory horizon‑scanning processes to include systematic monitoring of HM Treasury CCA reform material and FCA consultations, ensuring early awareness of consultation questions and proposed Handbook text.

Key Dates

TBD

– HM Treasury’s policy statement has been published, but no specific implementation dates for CCA reform or FCA rule changes are given in the FCA response

TBD

– FCA consultation(s) on key elements of the consumer credit framework are announced as forthcoming; exact dates are not yet specified

TBD

– Future milestones such as FCA Policy Statements, Handbook changes and statutory amendments will follow, but no indicative timetable is provided in the FCA response

Compliance Impact

Non‑compliance with the eventual FCA rules replacing or supplementing CCA provisions will expose firms to supervisory intervention, enforcement action, consumer redress and potentially large remediation exercises under the Consumer Duty. Given the centrality of consumer credit to many business models and the likely breadth of changes, firms that do not prepare early may face significant operational, conduct and litigation risk.

References

AI-generated analysis. May contain errors or omissions — verify with the original FCA source before acting. Full disclaimer.

Sectors:

Banking & Credit Consumer Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

BankFintechPayment Provider

🇦🇺 ASIC News

May 18th 2026

Federal Court orders $33.5 million penalty against Snaffle operator for inflating prices and overcharging on credit contracts

Federal Court orders $33.5 million penalty against Snaffle operator for inflating prices and overcharging on credit contracts

Sectors:

Consumer Credit Banking & Credit

Topics:

Consumer Protection / Conduct Reporting & Disclosure

FintechPayment Provider

🇮🇪 CBI Enforcement low

May 7th 2026

“Capital, Competition, and Complexity – regulatory perspectives on the regulatory debate” – Remarks by Deputy Governor Mary-Elizabeth McMunn

Introduction Good morning – I am delighted to be here, and many thanks to Brian and the BPFI for hosting us. 1 I very much look forward to the discussion, and to hearing from you all today, but before I do I would like to set out some reflections on a number of topics which are currently high on the regulatory agenda. While the discussion is multifaceted, and tied up with a regulatory cycle which has turned, an economic one which has become more challenging, not to mention a renewed focus by ...

Sectors:

Banking & Credit Investment Management Capital Markets & Trading Payments & E-Money Crypto & Digital Assets Consumer Credit

Topics:

AML / Financial Crime Consumer Protection / Conduct Prudential / Capital Requirements

All Firms

🇮🇪 CBI Speech

May 7th 2026

Central Bank publishes research on the Irish lending market and reinforces importance of capital and resilience

Central Bank loan-level research shows the Irish lending market is significantly less concentrated when considering the full diversity of lenders. Robust capital and liquidity positions have served the sector well – with the evidence not supporting a lowering of overall levels of resilience on the basis of bank credit, profitability or international competitiveness. Central Banks best serve these broader objectives related to productivity and growth by delivering on their core mandates, effec...

Sectors:

Banking & Credit Capital Markets & Trading Payments & E-Money Consumer Credit

Topics:

Consumer Protection / Conduct Prudential / Capital Requirements Technology & Cyber

Bank

🇬🇧 FCA Policy low

May 1st 2026

FCA statement on legal challenges to motor finance scheme

Our objective has been, and remains, to ensure consumers receive fair compensation as quickly as possible and to maintain a healthy motor finance market. An industry-wide scheme is the fastest, simplest route for consumers and the most efficient way for firms to put things right and give certainty to their investors. Alternative approaches would be slower and much more costly for firms.We engaged widely in designing the scheme. While being clear not everyone would get everything they would li...

Sectors:

Capital Markets & Trading Consumer Credit

Topics:

Consumer Protection / Conduct Technology & Cyber Market Abuse / Surveillance

All Firms

🇬🇧 FCA News

April 29th 2026

FCA reviewing whether APRs support consumers’ choices

The FCA is reviewing whether Annual Percentage Rates (APRs) help consumers understand borrowing costs andis seeking views on whetherit should changehow these are communicated in credit advertising. APRsindicatethe yearly cost of borrowing, including interest and fees. A representative APR means at least half of consumers receive that rate or better. Current rules require representative APRs in most credit advertising.Research, published today, shows APRs are useful for comparing products, but...

Sectors:

Banking & Credit Payments & E-Money Consumer Credit

Topics:

Consumer Protection / Conduct Technology & Cyber

All Firms

🇦🇺 ASIC News high

April 17th 2026

Cigno Australia and director Mark Swanepoel, BSF Solutions and director Brenton Harrison, to pay $7 million in penalties for Credit Act breaches

Cigno Australia and director Mark Swanepoel, BSF Solutions and director Brenton Harrison, to pay $7 million in penalties for Credit Act breaches

Sectors:

Consumer Credit Banking & Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

FintechAll Firms

🇸🇦 SAMA News low

April 16th 2026

SAMA Licenses “Modern Integrated Solutions Financing” Company to Engage in BNPL Activity”

SAMA Licenses “Modern Integrated Solutions Financing” Company to Engage in BNPL Activity”

Sectors:

Payments & E-Money Consumer Credit

Topics:

Authorisation & Licensing

FintechPayment Provider

🇬🇧 FCA News high

April 14th 2026

FCA bans CMC's misleading adverts

Adverts which used edited, unauthorised clips of Martin Lewis to make misleading claims about average motor finance compensation and used the FCA logo without permission, have been banned by the FCA. Conclusive Financial Ltd (Conclusive), a claims management company (CMC), which also trades as PCP Refunds, was required to remove its advertising and update or take down its website until it complied with the FCA's rules. Conclusive has since removed the banned adverts.The FCA was also concerned...

Sectors:

Consumer Credit Banking & Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

All Firms

🇮🇪 CBI Enforcement medium

April 14th 2026

Finance Advice Help- Central Bank of Ireland Issues Warning on Unauthorised Firm

Warning: Unauthorised Retail Credit Firm Unauthorised Firm Name Finance Advice Help Website Financeadvicehelp.com Email address used contact@financeadvicehelp.com Authorisation in Ireland Finance Advice Help is not authorised to provide retail credit services in Ireland. Notes: Any person wishing to contact the Central Bank with information regarding such firms / persons may telephone (01) 224 5800 or report an unauthorised firm directly to the Central Bank . For more information on how to pr...

AI Analysis

The Central Bank of Ireland (CBI) has issued a warning notice under section 53 of the Central Bank (Supervision and Enforcement) Act 2013, identifying "Finance Advice Help" (website: financeadvicehelp.com; email: contact@financeadvicehelp.com) as an unauthorised firm providing retail credit services in Ireland. This matters for compliance professionals as it underscores CBI's proactive enforcement against unauthorised entities, heightening risks of consumer scams and potential liability for authorised firms if clients inadvertently engage with clones or similar frauds.[Source URL: https://www.centralbank.ie/news/article/finance-advice-help--central-bank-of-ireland-issues-warning-on-unauthorised-firm]

What Changed

This is not a regulatory change but an enforcement action via a public warning notice. It reinforces existing requirements under the Central Bank (Supervision and Enforcement) Act 2013 (section 53), which empowers CBI to publish names of unauthorised firms offering regulated services like retail credit. No new rules are introduced; it signals ongoing vigilance against unauthorised retail credit providers.[Source URL: https://www.centralbank.ie/news/article/finance-advice-help--central-bank-of-ireland-issues-warning-on-unauthorised-firm]

Suggested Considerations

Verify firm status: Use CBI's unauthorised firms search tool before engaging with any retail credit provider (https://www.centralbank.ie/regulation/how-we-regulate/authorisation/unauthorised-firms/search-unauthorised-firms).
Report suspicions: Contact CBI at (01) 224 5800 or via direct reporting portal for any dealings with Finance Advice Help or similar entities.[Source URL: https://www.centralbank.ie/news/article/finance-advice-help--central-bank-of-ireland-issues-warning-on-unauthorised-firm]
Educate clients/staff: Disseminate scam protection guidance from www.centralbank.ie/financialscams; implement "SAFE test" for verification.[Source URL: https://www.centralbank.ie/news/article/finance-advice-help--central-bank-of-ireland-issues-warning-on-unauthorised-firm]
Monitor clones: Screen for impersonation risks, as seen in related warnings (e.g., Shamrock Lend clone).

Key Dates

14 April 2026

Publication date of warning notice; Immediate public alert on unauthorised status of Finance Advice Help.[Source URL: https://www.centralbank.ie/news/article/finance-advice-help--central-bank-of-ireland-issues-warning-on-unauthorised-firm]

Compliance Impact

Urgency: Medium – This is a routine CBI warning (one of many in 2025-2026), not targeting authorised firms directly, but it elevates consumer protection and conduct risks. Firms must act promptly to update internal alerts and client advisories to mitigate reputational harm, regulatory scrutiny, or indirect liability from scam exposures; failure could trigger CBI inquiries under conduct rules.

References

AI-generated analysis. May contain errors or omissions — verify with the original CBI source before acting. Full disclaimer.

Sectors:

Consumer Credit Banking & Credit Mortgage & Lending

Topics:

Authorisation & Licensing Consumer Protection / Conduct AML / Financial Crime

BankFintechAll Firms

🇮🇪 CBI Warning high

April 10th 2026

Shamrock Lend (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm

Shamrock Lend (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm

Sectors:

Consumer Credit Banking & Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

BankFintech

🇬🇧 FCA Warning medium

April 10th 2026

Spotting risk earlier by tracking consumer credit journeys

How we're investing in data and analytics in consumer financeOur goal is regulation that is evidence-based, targeted, and achieves good outcomes for consumers. That’s why we’ve been using richer datasets and sharper data science to drive better outcomes in the consumer finance market, widen financial inclusion, and support economic growth.This blog post explains one way we've been doing that, in a proof-of-concept undertaken by the team of Isabela Barra, Daniel Bogiatzis-Gibbons, Lawrence Cha...

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Reporting & Disclosure Technology & Cyber

BankFintechAll Firms

🇸🇬 MAS News medium

April 8th 2026

Written reply to Parliamentary Question on Household Liabilities and Household Assets

Written reply to Parliamentary Question on Household Liabilities and Household Assets

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Prudential / Capital Requirements Consumer Protection / Conduct Reporting & Disclosure

BankFintech

🇸🇬 MAS News medium

April 8th 2026

Oral reply to Parliamentary Questions on safeguards for GIRO transactions

Oral reply to Parliamentary Questions on safeguards for GIRO transactions

Sectors:

Banking & Credit Payments & E-Money Consumer Credit

Topics:

Consumer Protection / Conduct Operational Resilience / Outsourcing Reporting & Disclosure

BankFintechPayment Provider

🇸🇬 MAS News medium

April 7th 2026

Written reply to Parliamentary Question on timeline for making cash acceptance mandatory

Written reply to Parliamentary Question on timeline for making cash acceptance mandatory

Sectors:

Banking & Credit Payments & E-Money Consumer Credit

Topics:

Consumer Protection / Conduct Operational Resilience / Outsourcing Authorisation & Licensing

BankFintechPayment Provider

🇮🇪 CBI Enforcement medium

April 1st 2026

Indefinite Prohibition issued to Nicholas (Nick) Buckley in respect of all controlled functions, effective from 25 February 2026

The Prohibition Notice (PDF) issued after Mr Buckley signed a Statement of Undisputed Facts, in which he accepted that between 1 February 2021 and 12 December 2023, while he was employed at two different retail intermediaries, he issued invoices to clients directing payment to his personal bank account in place of his employers’ bank details. Mr Buckley also accepted that he misrepresented his financial qualifications to clients during the course of his employment. The Prohibition Notice issu...

AI Analysis

The Central Bank of Ireland (CBI) has issued an indefinite prohibition to Nicholas (Nick) Buckley from all controlled functions, effective 25 February 2026, following his admission of diverting client payments to his personal account and misrepresenting financial qualifications while at two retail intermediaries from 1 February 2021 to 12 December 2023. This enforcement action underscores the CBI's commitment to the Fitness and Probity Regime, emphasizing integrity in customer-facing roles to maintain public trust. Compliance professionals should note it as a precedent for severe sanctions on dishonesty, potentially influencing vetting and monitoring practices.

What Changed

This is not a new regulation but an enforcement outcome under the existing Fitness and Probity Regime, established by the Central Bank Reform Act 2010, which mandates high standards of competence, integrity, and honesty for individuals in controlled functions. No regulatory changes are introduced; instead, it reinforces enforcement mechanisms, including investigations and prohibitions for breaches, particularly in customer-facing roles where honesty is paramount.

Suggested Considerations

Firms employing similar roles: Immediately review invoicing processes to ensure payments direct only to firm accounts, with segregation of duties and dual approvals for client billing.
Fitness and Probity assessments: Conduct enhanced due diligence on customer-facing staff, verifying qualifications via independent sources and monitoring for personal financial gain conflicts.
Incident reporting: Escalate any suspected integrity breaches (e.g., qualification misrepresentation or fund diversion) to CBI under fitness and probity notification obligations.
Training programs: Update mandatory training on Fitness and Probity Standards (available at https://www.centralbank.ie/regulation/fitness-and-probity), focusing on honesty in client interactions.
Prohibition checks: Screen all controlled function holders against CBI's public prohibitions list before approvals or role changes.

Key Dates

1 February 2021

12 December 2023; Period of Buckley's admitted misconduct (diverting payments and misrepresenting qualifications)

25 February 2026

Effective date of the indefinite prohibition on Buckley performing any controlled functions

01 April 2026

Publication date of the CBI press release announcing the Prohibition Notice

Compliance Impact

Urgency: Medium – This is a specific enforcement precedent rather than a new rule, but it signals heightened CBI scrutiny on integrity breaches in retail intermediation, with indefinite bans as a tool to protect consumers. It matters because customer-facing misconduct erodes trust, prompting firms to strengthen controls proactively to avoid similar investigations, especially given CBI Director of Enforcement's warning on accountability. Non-compliance risks firm-level sanctions, reputational damage, and operational disruptions.

References

AI-generated analysis. May contain errors or omissions — verify with the original CBI source before acting. Full disclaimer.

Effective Date: 25 February 2026

Sectors:

Consumer Credit Insurance & Pensions Mortgage & Lending

Topics:

Consumer Protection / Conduct Senior Managers / Governance Authorisation & Licensing

Wealth ManagerBroker DealerAll Firms

🇦🇺 ASIC News medium

March 31st 2026

Mecca companies pay $594,000 in infringement notices for failing to lodge financial reports on time

Mecca companies pay $594,000 in infringement notices for failing to lodge financial reports on time

Sectors:

Consumer Credit Payments & E-Money

Topics:

Consumer Protection / Conduct Reporting & Disclosure Authorisation & Licensing

FintechPayment Provider

🇬🇧 FCA policy_statement critical

March 30th 2026

FCA confirms motor finance redress scheme

We are going ahead with a scheme to compensate motor finance customers who were treated unfairly. Courts have found that firms broke the law by failing to disclose important information to customers. An industry-wide scheme is the quickest and most cost effective way to deliver fair compensation.We had over 1,000 consultation responses and engaged extensively with consumer groups, professional representatives, firms, manufacturers, investors and industry bodies. While most respondents support...

AI Analysis

The FCA has confirmed an industry-wide redress scheme to compensate motor finance customers for unfair treatment due to inadequate disclosure of commissions and ties between 6 April 2007 and 1 November 2024, following court rulings on law-breaking practices. This matters as it imposes up to £9.1 billion in costs on lenders, mandates proactive customer identification and payouts, and aims for rapid resolution while providing finality for firms and market stability.

What Changed

- Tightened eligibility: Excludes minimal commission agreements (£120 or less pre-1 April 2014; £150 or less post), zero APRs, unused DCAs, and contractual ties where lenders prove visible...
Two schemes: Separate for 6 April 2007-31 March 2014 and 1 April 2014-1 November 2024 to mitigate legal challenges on pre-2014 powers.
Compensation adjustments: Reflects higher 2007-2014 losses; capped in ~1/3 cases to avoid over-compensation.
Streamlined operations: Lenders contact only complainants or eligible non-complainants; no recorded delivery required, cutting delivery costs >40%.
Scope expansion: Covers DCAs, high commissions, and contractual ties under Consumer Credit Act 1974 ss.140A-C; includes deceased consumers.

Suggested Considerations

Identify all in-scope agreements (2007-2024 with broker commissions); assess eligibility against tightened criteria (e.g., undisclosed DCA/high commission/tie).
Contact complainants within 3 months post-implementation; eligible non-complainants within 6 months; invite scheme participation (6-month consumer response window).
Calculate redress per formula (commission-based, capped, with interest); pay promptly, allowing set-off against customer debts where applicable.
Gather records now (FCA expectation pre-rules); handle exclusions/exceptions with explanations; prepare for FOS challenges on time-bars.
Brokers: Respond to lender information requests.

Key Dates

6 April 2007

1 November 2024; Scope of agreements eligible for compensation

26 March 2020 DEADLINE

Cut-off for excluding high commission cases if clearly disclosed (firms must explain and allow FOS challenge)

2026 (this year)

Millions compensated

30 June 2026

End of implementation for 1 April 2014+ loans; lenders then have 3 months to notify complainants of redress

31 August 2026

End of implementation for 6 April 2007-31 March 2014 loans; lenders then have 3 months to notify complainants and 6 months for eligible non-complainants

Compliance Impact

Urgency: Critical – Firms face immediate preparation needs (e.g., data gathering) ahead of mid-2026 implementation, with £9.1bn costs, mass customer outreach, and legal risks from dual schemes/challenges. Non-compliance risks enforcement, as FCA expects prompt action for market finality; delays could exceed £6bn in alternative complaint/court costs.

References

AI-generated analysis. May contain errors or omissions — verify with the original FCA source before acting. Full disclaimer.

Sectors:

Consumer Credit Banking & Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct

BankFintechAll Firms

🇬🇧 FCA News high

March 30th 2026

Millions of car finance customers to get payouts this year as FCA goes ahead with compensation scheme

Millions of motor finance customers will receive compensation this year under an FCA scheme for those treated unfairly by firms who broke the law by failing to disclose important information. Consumers were denied the chance to seek a better deal and, in some instances, paid more for their loan.The FCA has made several changes to the free to use scheme in response to conflicting feedback from consumers, their representatives, firms, manufacturers and industry bodies.This ensures it is fair fo...

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Reporting & Disclosure

BankFintechAll Firms

🇩🇪 BaFin News high

March 30th 2026

Walnut Planet GmbH: evidence indicates no prospectus published

The Federal Financial Supervisory Authority (BaFin) has evidence indicating that Walnut Planet GmbH, which has its registered office in Pfäffikon (Schwyz), Switzerland, is offering a capital investment that falls within the definition of “other investments” under section 1 (2) no. 7 of the German Capital Investment Act (Vermögensanlagengesetz - VermAnlG) to the public in Germany. The investment on offer consists of combined lease and service agreements relating to the cultivation of walnuts i...

Sectors:

Investment Management Wealth & Private Banking Consumer Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing Reporting & Disclosure

Asset ManagerWealth ManagerBank

🇬🇧 FCA News high

March 30th 2026

Regulators launch joint taskforce to crack down on poor practice in motor finance claims

A new taskforce will tackle poor handling of motor finance claims by some claims management companies (CMCs) and law firms, after the FCA, Solicitors Regulation Authority (SRA), Information Commissioner’s Office (ICO) and Advertising Standards Authority (ASA) agreed to join up their efforts. The announcement comes as the FCA prepares to set out its final compensation scheme for motor finance customers.The regulators will step up efforts to share intelligence and continue to take co-ordinated ...

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Authorisation & Licensing Reporting & Disclosure

BankFintechAll Firms

🇭🇰 SFC News high

March 30th 2026

Uncertificated securities market regime – targeted for launch in November 2026

No description available.

Sectors:

Capital Markets & Trading Consumer Credit Mortgage & Lending

Topics:

Authorisation & Licensing Operational Resilience / Outsourcing Technology & Cyber

BankBroker DealerFintech

🇱🇺 CSSF News

March 26th 2026

Take control of your finances, one step at a time

No description available.

Sectors:

Banking & Credit Wealth & Private Banking Consumer Credit

Topics:

Consumer Protection / Conduct ESG Technology & Cyber

BankWealth ManagerFintech

🇱🇺 CSSF Guidance high

March 25th 2026

Technical FAQ on CSSF Regulation No 20-08 on borrower-based measures for residential real estate credit (track changes) (Updated)

Version of 9 March 2026

AI Analysis

The CSSF Technical FAQ on Regulation No 20-08 provides implementation guidance on **loan-to-value (LTV) limits for residential real estate credit in Luxembourg**, establishing borrower-based macroprudential measures designed to limit leverage in the mortgage market. This guidance is critical for lenders operating in Luxembourg as it clarifies how to calculate own funds, determine LTV compliance, and apply temporary portfolio exemptions that have been extended through June 30, 2025.

What Changed

The most recent update (March 9, 2026) to the Technical FAQ reflects the regulatory framework established by CSSF Regulation No 20-08 (as modified by Regulation No 24-10).
First-time buyers: LTV limit of up to 100%
Other buyers: LTV limit of 90%, implemented via portfolio allowance Buy-to-Let Residential Loans:
Standard LTV limit of 80%
Temporary exemption (until June 30, 2025): Lenders may apply LTV ratios up to 95% for up to 10% of annual production Other Residential Real Estate Loans:

Suggested Considerations

*For all lenders:
*Verify LTV compliance calculations for all new residential mortgage originations using the framework specified in the FAQ, ensuring own funds are calculated as actual equity contributions from borrowers
*Implement dual LTV tracking for borrowers financing new property through sale of existing property, ensuring compliance with both interim and final LTV ratios
*Document own funds sources carefully, particularly when cash collateral or sale proceeds are used, as these are only permitted for loans with initial LTV below 100%
*Prepare for June 30, 2025 transition by:

Key Dates

December 3, 2020

- CSSF Regulation No 20-08 originally published

January 1, 2021

- Regulation and LTV limits became effective for residential real estate credit on Luxembourg territory

May 21, 2024

- CSSF Regulation No 24-04 introduced temporary adjustments to LTV limits

December 30, 2024

- CSSF Regulation No 24-10 extended temporary adjustments

January 7, 2025

- Most recent Technical FAQ version published (prior to March 9, 2026 update)

Compliance Impact

Urgency: HIGH

References

AI-generated analysis. May contain errors or omissions — verify with the original CSSF source before acting. Full disclaimer.

Sectors:

Mortgage & Lending Banking & Credit Consumer Credit

Topics:

Prudential / Capital Requirements Consumer Protection / Conduct Reporting & Disclosure

BankFintech

🇮🇪 CBI Enforcement high

March 24th 2026

Remarks by Deputy Governor Colm Kincaid to Central Bank of Ireland’s Consumer Protection Workshop – Consumer Protection at the Heart of Our Mission

Good afternoon and welcome to this Central Bank of Ireland workshop on the Consumer Protection Code. Today I will focus on the outlook for consumers and investors. But first let me pause to talk a little about the broader context in which we find ourselves. We are living through a period marked by extraordinary change, geopolitical instability, rapid technological transformation and shifting economic conditions. Governor Makhlouf summarised this well when he said how 2026 has already seen ext...

AI Analysis

Deputy Governor Colm Kincaid's speech on 24 March 2026 emphasizes consumer protection as central to the Central Bank of Ireland's (CBI) mission amid geopolitical, technological, and economic changes, highlighting the revised **Consumer Protection Code 2025** (CPC 2025) as a key modernization effort. This matters for compliance professionals because the CPC 2025 introduces enhanced, digitally-focused protections effective **24 March 2026**, replacing the 2012 Code after a 12-month implementation period, with firms required to proactively secure customer interests.

What Changed

The CPC 2025 comprises Standards for Business Regulations (governance, resources, risk management, conduct standards) and Consumer Protection Regulations (cross-sectoral and sector-specific rules for...
Core obligation: Firms must "secure customers’ interests," shifting to a proactive, customer-focused mindset.
Cross-sectoral requirements: Knowing the consumer/suitability; conflicts of interest/remuneration; vulnerable consumers (updated definition); digitalisation (customer-focused design); effective...
Specific enhancements: Fraud/scam protections; mortgage switching disclosures; greenwashing prevention via clear sustainability claims; expanded consumer definition (e.g., SMEs up to €5m turnover...
Supporting materials: Guidance on securing interests/vulnerable consumers, mapping tool for legacy codes, redline amendments.

Suggested Considerations

Gap analysis: Map current policies/processes against CPC 2025 using CBI's mapping tool; update for new obligations like digital service design, vulnerability screening, fraud measures.
Policy/system updates: Implement "secure customers’ interests" framework; enhance disclosures (e.g., mortgages, charges, unregulated activities); train staff on conduct standards/vulnerable consumers.
Governance/risk: Strengthen board oversight, risk management for cyber/fraud/digital risks; distinguish regulated/unregulated activities.
Testing/monitoring: Develop records/compliance systems; test advertising/bundling; integrate sustainability claims checks.
Stakeholder engagement: Review CBI guidance/FAQs; prepare for supervision during implementation.

Key Dates

24 March 2025

- CBI publishes revised CPC 2025, Standards for Business Regulations, Consumer Protection Regulations, and guidance

24 March 2026

- CPC 2025 takes effect; existing 2012 Code ceases (12-month implementation period ends)

Until 24 March 2026

- 2012 Code (with addenda) remains in force

Compliance Impact

Urgency: High – With effectiveness today (24 March 2026), firms face immediate non-compliance risk as the 12-month window closes; CBI supervision will intensify on digital/fraud/vulnerability protections amid heightened risks (e.g., cyber, scams). Non-adherence risks enforcement under CBI's powers, reputational damage, and fines, especially as this "gold-plates" EU rules in a volatile environment.

References

AI-generated analysis. May contain errors or omissions — verify with the original CBI source before acting. Full disclaimer.

Sectors:

Banking & Credit Insurance & Pensions Payments & E-Money Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Operational Resilience / Outsourcing Technology & Cyber

BankInsurancePayment Provider

🇬🇧 FCA policy_statement high

March 24th 2026

Timing of the FCA's motor finance announcement

We will set out our approach on motor finance redress shortly after markets close on Monday 30 March, having consulted on a compensation scheme in October 2025.

AI Analysis

The FCA is scheduling its announcement on a proposed motor finance redress scheme—addressing historical commission disclosure failures in car loans—for shortly after markets close on Monday, 30 March 2026, following a consultation launched in October 2025. This matters because it signals imminent final rules that could impose up to GBP11 billion in costs on lenders, affecting millions of consumers and requiring urgent operational preparations to ensure timely payouts in 2026.

What Changed

- Introduction of a 3-month implementation period for most firms, extendable to 5 months for older motor finance agreements, to handle the scheme's scale and complexity.
Streamlined consumer journey: Pre-scheme complainants no longer need to opt out; lenders must notify them of owed compensation within 3 months post-implementation, with immediate acceptance options...
Removal of mandatory recorded delivery for customer communications, allowing flexible channels with fraud safeguards.
No final decision yet on proceeding, but likely modifications based on over 1,000 consultation responses, including backlash from lenders.

Suggested Considerations

Review and prepare systems: Firms must gear up for redress calculations, notifications, and payouts within the 3-5 month implementation window; voluntary early processing encouraged.
Monitor complaints: Advise customers to complain directly (avoiding CMCs to prevent 30%+ fee losses); process pre-scheme complaints under forthcoming rules.
Assess provisions: Quantify exposure (e.g., GBP11 billion industry-wide estimate) and update financial reserves, as done by Santander/Lloyds.
Compliance checks: Ensure communication channels meet fraud safeguards; cease non-compliant practices per FCA interventions.
Stakeholder engagement: Track the 30 March announcement (confirmed date forthcoming) and respond to any residual consultation feedback.

Key Dates

October 2025

Consultation on compensation scheme launched

~June 2026 (3 months post

announcement) - End of standard implementation period; lenders notify consumers of redress

~August 2026 (5 months for older agreements) DEADLINE

Extended implementation deadline

~September 2026 (3 months post

implementation) - Consumers informed of compensation amounts

30 March 2026 (shortly after markets close)

FCA to publish final rules/approach on motor finance redress

Compliance Impact

Urgency: High – With the announcement just 6 days away (as of 24 March 2026), firms have minimal time to finalize preparations amid GBP11 billion cost risks, market disruption warnings, and lender pushback; delays could amplify redress delays, fines, or consumer harm claims.

References

AI-generated analysis. May contain errors or omissions — verify with the original FCA source before acting. Full disclaimer.

Sectors:

Consumer Credit Banking & Credit Insurance & Pensions

Topics:

Consumer Protection / Conduct

BankPayment ProviderAll Firms

🇮🇪 CBI Warning medium

March 24th 2026

How the Consumer Protection Code Secures Your Interests

The Central Bank of Ireland today (Tuesday 24 March 2026) marked the coming into force of the modernised Consumer Protection Code, giving consumers stronger protections when using banks, insurance companies, and other financial services. The modernised Code has been designed to better protect consumers in today’s world, and in anticipation of how financial services will evolve into the future. It follows extensive public consultation and engagement. Deputy Governor Colm Kincaid said: "The Cen...

Sectors:

Banking & Credit Insurance & Pensions Consumer Credit

Topics:

Consumer Protection / Conduct Operational Resilience / Outsourcing Reporting & Disclosure

BankInsuranceAll Firms

🇬🇧 FCA policy_statement high

March 20th 2026

FCA highlights risks when dealing with unregulated lenders

We are reminding regulated firms they need to undertake proper checks when dealing with unregulated lenders, safe custody providers, money brokers and financial leasing companies – also known as 'Annex 1' firms. There are around 1,200 of these firms registered with us for solely anti-money laundering purposes. Our powers are currently limited to looking at how these firms are meeting their anti-money laundering obligations and they are not subject to our wider rulebook. This regime is based o...

AI Analysis

The FCA statement reminds regulated firms to perform robust due diligence on 'Annex 1' firms—unregulated lenders, safe custody providers, money brokers, and financial leasing companies registered solely for AML purposes—due to their limited oversight and heightened financial crime risks. This matters because Annex 1 firms (approx. 1,200) are not subject to FCA's full rulebook, conduct rules, or protections like the Financial Ombudsman Service, exposing regulated firms to contagion risks if they fail to manage interactions properly. Non-compliance could lead to regulatory scrutiny, enforcement, or reputational damage amid FCA's ongoing AML focus.

What Changed

No new rules or legislative changes are introduced; this is a supervisory reminder reinforcing existing obligations under the Money Laundering Regulations 2017 (MLRs). It emphasizes enhanced due diligence on Annex 1 firms, referencing the 2025 National Risk Assessment (NRA) for risk management. The FCA highlights proactive engagement, including a 2024 letter to CEOs and follow-up with 300 firms in late 2025, signaling intensified supervision without altering the registration-only regime under the Financial Services and Markets Act.

Suggested Considerations

Verify Annex 1 registration status directly from the firm and via independent checks (e.g., FCA Register).
Understand the Annex 1 firm's business model, products, and risks, aligning with MLRs and 2025 NRA.
Manage identified risks, such as AML deficiencies or consumer encouragement into limited company structures for unregulated lending.
Document due diligence to demonstrate compliance, integrating into broader financial crime frameworks (e.g., BWRA/CRA per FCA findings).

Key Dates

2024

FCA letter to CEOs of Annex 1 firms raising AML concerns.; - **Late 2025 - FCA follow-up engagement with 300 Annex 1 firms.**

Compliance Impact

Urgency: High – This amplifies existing AML due diligence requirements amid FCA's 2025-30 financial crime strategy, with evidence of supervisory action (2024 letter, 2025 follow-ups). Failure risks enforcement, as Annex 1 interactions could facilitate financial crime or consumer harm without FOS protections; firms should audit exposures immediately to align with BWRA/CRA expectations and avoid findings like those in FCA's risk assessment review.

References

AI-generated analysis. May contain errors or omissions — verify with the original FCA source before acting. Full disclaimer.

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

AML / Financial Crime Consumer Protection / Conduct Authorisation & Licensing

BankPayment ProviderAll Firms

🇬🇧 FCA News high

March 20th 2026

FCA orders Beauforce Corporation to stop operating and return client money

We have restricted Beauforce Corporation Limited from carrying out any regulated activities. This means it cannot provide regulated debt advice or debt management services to consumers. We have also ordered the firm to return money held in its bank accounts to its clients.We’ve taken this action following concerns about the suitability of the firm’s senior management and its conduct in dealing with us. Read the full Notice (PDF)

Sectors:

Banking & Credit Consumer Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing Senior Managers / Governance

All Firms

🇦🇺 ASIC News medium

March 18th 2026

High Court finds in favour of ASIC on an appeal by Sunshine Loans

High Court finds in favour of ASIC on an appeal by Sunshine Loans

Sectors:

Consumer Credit Banking & Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

All Firms

🇬🇧 FCA Guidance critical

March 16th 2026

Creating a redress system that works better for consumers and firms

We’ve reached a significant milestone in our joint work with the Financial Ombudsman Service and the Government to modernise the redress systemso that consumers get fair outcomes quicker and firms have greater clarity about how issues will be handled.We’re delivering change at speed by acting now within our current powers, with a focus on improving how the system works in practice. This includes a new registration stage for complaints, updated dismissal grounds and clearer guidance on the fai...

AI Analysis

The FCA, in collaboration with the Financial Ombudsman Service (FOS) and the Government, has announced modernization of the UK's financial redress system to accelerate consumer compensation and provide firms with greater regulatory clarity. This initiative represents a fundamental shift in how complaints are registered, assessed, and resolved, with immediate implementation underway within existing FCA powers and broader legislative reforms planned.

What Changed

The redress system modernization introduces several structural and procedural reforms: Registration Stage for Complaints A new formal registration stage has been introduced to standardize how complaints enter the system, improving tracking and early identification of systemic issues across firms and markets. Updated Dismissal Grounds The FCA has revised the criteria for dismissing complaints, providing clearer standards that should reduce disputes about complaint admissibility and improve consistency in decision-making. Enhanced Fair and Reasonable Test Guidance Clearer guidance on how the...

Suggested Considerations

*Immediate Operational Priorities (Pre-May 2026):
*Governance and Accountability
Appoint senior managers with explicit accountability for complaints handling and redress programmes
Establish board-level oversight structures with regular reporting on complaints volumes, redress calculations, and regulatory compliance
Document decision-making frameworks for complaint eligibility and dismissal grounds

Key Dates

Before end of 2026

- Consumers expected to begin receiving compensation under motor finance scheme

End of March 2026

- FCA expected to publish final rules and guidance for motor finance redress scheme, confirming scope, calculation methodologies, and timescales

31 May 2026 DEADLINE

- Complaints pause lifts for DCA-related motor finance complaints; standard 8-week response deadline resumes

Mid

2026 onwards; - Motor finance compensation payments anticipated to commence

Compliance Impact

Urgency: CRITICAL

References

AI-generated analysis. May contain errors or omissions — verify with the original FCA source before acting. Full disclaimer.

Sectors:

Consumer Credit Banking & Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Authorisation & Licensing Senior Managers / Governance

BankFintechPayment Provider

🇦🇺 ASIC News high

March 16th 2026

ASIC urges Gen Z to ‘sense-check’ money advice as social media fuels riskier financial decisions

ASIC urges Gen Z to ‘sense-check’ money advice as social media fuels riskier financial decisions

Sectors:

Banking & Credit Crypto & Digital Assets Consumer Credit

Topics:

Consumer Protection / Conduct Technology & Cyber Market Abuse / Surveillance

BankFintechCrypto Exchange

🇩🇪 BaFin News high

March 13th 2026

Identity fraud: BaFin warns consumers about the website alijz(.)com, the app alijzspro and offers in WhatsApp groups

The Federal Financial Supervisory Authority (BaFin) warns consumers about the website alijz(.)com and WhatsApp groups operated under the company name AL Konzept GmbH & Co. KG. In these WhatsApp groups, consumers are encouraged to use an app called alijzspro to invest in financial instruments. BaFin suspects the unknown operators of offering consumers financial services without the required authorisation.

Sectors:

Banking & Credit Consumer Credit Payments & E-Money

Topics:

Consumer Protection / Conduct Authorisation & Licensing AML / Financial Crime

BankFintechPayment Provider

🇸🇦 SAMA News medium

March 12th 2026

SAMA Licenses “Aij Company for Financing”

SAMA Licenses “Aij Company for Financing”

Sectors:

Consumer Credit

Topics:

Authorisation & Licensing

Fintech

🇬🇧 FCA News high

March 12th 2026

Second charge mortgage firms told to raise standards for consumers

Lenders and brokers in thesecond charge mortgagemarket need toconsiderhow theyadvise customers, assess affordability and charge fees. An FCA review has found that weaknesses in some firms’ practices could put borrowers, particularly those consolidating debt, at increased risk of financial harm.Second charge mortgages are often used by customers with high existing levels of debt and low financial resilience. The FCA’s review found examples of good practice across the sector but also issues tha...

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Prudential / Capital Requirements

BankAll Firms

🇬🇧 FCA News high

March 11th 2026

Man jailed for running illegal sale-and-rent-back scheme targeting struggling homeowners

Rajinder Gill and accomplices have been sentenced for their involvement in a sale-and-rent-back scheme. Mr Gill has been sentenced to two and a half years in prison for running a sale-and-rent-back scheme without being authorised and illegally providing credit agreements and mortgages. As accomplices in the scheme, Amandeep Heer received a community order for 2 years with a condition of 250 hours of unpaid work, and Jetinder Sandhu has completed 100 hours' unpaid work over 12 months (as a con...

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Authorisation & Licensing Reporting & Disclosure

BankFintech

🇦🇺 ASIC News high

March 11th 2026

Remedy Housing officers sentenced for dishonesty offences

Remedy Housing officers sentenced for dishonesty offences

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Authorisation & Licensing Reporting & Disclosure

BankFintech

🇦🇺 ASIC News high

March 9th 2026

ASIC bans former credit and financial services representative Neil Andrew Cato for 5 years

ASIC bans former credit and financial services representative Neil Andrew Cato for 5 years

Sectors:

Banking & Credit Consumer Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

BankFintech

🇩🇪 BaFin News high

March 5th 2026

Identity fraud: BaFin warns consumers about the website unzerfinanzpro(.)de

The Federal Financial Supervisory Authority (BaFin) warns consumers about the services offered on the website unzerfinanzpro(.)de. BaFin suspects the unknown operators of the website of conducting banking business without the required authorisation. Specifically, the website advertises loans.

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Authorisation & Licensing AML / Financial Crime

BankFintechAll Firms

🇬🇧 FCA policy_statement critical

March 4th 2026

Motor finance compensation scheme to include implementation period

We'd also streamline the scheme, so millions get compensation in 2026. We're considering over 1,000 responses to our proposals for a compensation scheme for motor finance customers who were treated unfairly.If we proceed with a scheme, we are likely to make several changes. If we do go ahead, we expect to publish final rules in late March. The timing of publication will be outside market hours and we'll confirm the date in advance. Final decisions on the scheme have not yet been made. But to ...

AI Analysis

The FCA is implementing a **streamlined motor finance compensation scheme** to address unfair commission disclosure practices, with final rules expected in late March 2026 and scheme launch in early 2026. This represents a major regulatory intervention affecting approximately 14 million motor finance agreements with estimated total redress costs of £8.2 billion, requiring immediate operational preparation by all lenders and finance providers.

What Changed

The FCA's streamlined approach introduces several material modifications to the original compensation scheme proposal: Process Streamlining
Automatic opt-in for prior complainants: Customers who complained before scheme launch will no longer be asked to opt out.
Immediate acceptance of offers: Consumers can accept redress offers immediately rather than waiting for final determinations.
Flexible communication channels: Firms are no longer required to use recorded delivery; alternative channels with fraud safeguards are permitted. Implementation Timeline
Three-month standard implementation period from scheme launch, with up to five months for older agreements to allow adequate data review and calculation accuracy.

Suggested Considerations

*Immediate Priorities (Q1 2026):
*Data Integrity Assessment: Conduct comprehensive audit of historic motor finance agreements to identify eligible customers and validate transactional data completeness, particularly for older agreements.
*Redress Calculator Development: Build auditable, validated redress calculators capable of:
Repricing loans based on proposed APR reductions
Calculating compensatory interest at BoE base rate + 1%

Key Dates

Early 2026

– Scheme implementation begins (exact date dependent on final rules publication)

Late March 2026

– FCA to publish final scheme rules (timing to be confirmed in advance, outside market hours)

31 May 2026 DEADLINE

– Motor finance complaints handling pause lifts; firms must be ready to respond to complaints outside the scheme

11 April 2031 DEADLINE

– Record retention deadline for all relevant scheme documentation

Three months from scheme launch

– Standard implementation period for lenders to contact prior complainants and provide compensation notifications

Compliance Impact

Urgency: CRITICAL

References

AI-generated analysis. May contain errors or omissions — verify with the original FCA source before acting. Full disclaimer.

Sectors:

Consumer Credit Mortgage & Lending Banking & Credit

Topics:

Consumer Protection / Conduct Reporting & Disclosure Senior Managers / Governance

BankFintechAll Firms

🇦🇺 ASIC News medium

March 4th 2026

ASIC cancels Australian credit licence of John Adicho

ASIC cancels Australian credit licence of John Adicho

Sectors:

Consumer Credit Banking & Credit

Topics:

Authorisation & Licensing Consumer Protection / Conduct

All Firms

🇺🇸 CFTC News medium

March 2nd 2026

CFTC Chairman Selig Announces Alan Brubaker as Director of the Office of Legislative and Intergovernmental Affairs

No description available.

Sectors:

Banking & Credit Capital Markets & Trading Consumer Credit

Topics:

Authorisation & Licensing Reporting & Disclosure Technology & Cyber

BankBroker DealerFintech

🇮🇪 CBI Warning high

March 2nd 2026

Central Bank welcomes publication of OECD Consumer Finance Risk Monitor

New OECD report highlights financial scams as top threat to consumers globally Deputy Governor of the Central Bank of Ireland Colm Kincaid welcomed the publication of the OECD’s Consumer Finance Risk Monitor 2026 , a comprehensive global assessment examining consumer protection challenges across 60 international jurisdictions. Deputy Governor Kincaid emphasised the need for strengthened oversight as structural economic, technological and market-conduct risks converge to significantly elevate ...

Sectors:

Banking & Credit Consumer Credit Payments & E-Money

Topics:

Consumer Protection / Conduct Technology & Cyber

BankFintechPayment Provider

🇩🇪 BaFin News high

March 2nd 2026

Capitalis (Bank): BaFin warns consumers about the website capitalisgroup(.)site

The Federal Financial Supervisory Authority (BaFin) warns consumers about the company Capitalis and the services it is offering. BaFin suspects the unknown operators, who purportedly have their registered office in France, of using the website capitalisgroup(.)site to offer loans to consumers and thus conduct banking business without the required authorisation.

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Authorisation & Licensing

BankFintech

🇩🇪 BaFin News medium

March 2nd 2026

Financiamas: BaFin warns consumers about the website financiamas-cs(.)com

The Federal Financial Supervisory Authority (BaFin) warns consumers about the company Financiamas and the services it is offering. BaFin suspects the unknown operators, who purportedly have their registered office in Madrid, Spain, of using the website financiamas-cs(.)com to offer loans to consumers and thus conduct banking business without the required authorisation.

Sectors:

Banking & Credit Consumer Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

BankFintech

🇮🇪 CBI Warning high

March 2nd 2026

Stalwart Investments Limited (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm

Stalwart Investments Limited (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Authorisation & Licensing AML / Financial Crime

BankFintechAll Firms

🇮🇪 CBI Warning high

March 2nd 2026

SB Leasing Ireland Limited (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm

SB Leasing Ireland Limited (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Authorisation & Licensing Operational Resilience / Outsourcing

BankFintechAll Firms

🇦🇺 ASIC News high

February 26th 2026

ASIC disqualifies Victorian property development director Kylie Campbell for 5 years

ASIC disqualifies Victorian property development director Kylie Campbell for 5 years

Sectors:

Investment Management Wealth & Private Banking Consumer Credit

Topics:

Consumer Protection / Conduct Prudential / Capital Requirements Authorisation & Licensing

Asset ManagerWealth ManagerBank

🇬🇧 FCA News medium

February 25th 2026

FCA proposes action to close gaps in borrowers’ credit files

Lenders could have access to more comprehensive information to support lending decisions, under new proposals by the FCA. The FCA is consulting on designating certain credit reference agencies (CRAs). If a lender shares credit information with one designated consumer CRA, it would be required to share it with them all.The changes aim to close gaps in consumers’ credit files and ensure these more accurately reflect people’s financial circumstances.Alison Walters, director of consumer finance a...

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Reporting & Disclosure Authorisation & Licensing

BankFintechAll Firms

🇬🇧 FCA policy_statement medium

February 24th 2026

Independent Football Regulator and FCA Memorandum of Understanding

We have signed a Memorandum of Understanding (MoU) with the Independent Football Regulator (IFR). The MoU establishes how the 2 organisations will work together and support effective regulation where football and financial services intersect.It also sets out a high-level framework for principles for cooperation between the IFR and the FCA.Read the MoU (PDF)

AI Analysis

The FCA has signed a Memorandum of Understanding (MoU) with the newly established Independent Football Regulator (IFR) to define cooperation on regulating intersections between football clubs and financial services, such as ownership suitability, licensing, and financial sustainability. This matters for compliance professionals as it formalizes information sharing and joint oversight, potentially impacting firms involved in football-related financing, investments, or consumer credit products tied to sports. It supports the Football Governance Act 2025 framework, enhancing regulatory alignment where financial misconduct could affect club operations.[https://www.fca.org.uk/news/statements/mou-independent-football-regulator-fca]

What Changed

- Establishes a high-level framework of principles for cooperation between FCA and IFR, focusing on effective regulation at the football-financial services nexus.
Outlines how the organizations will work together, including information sharing on matters like club owners' financial dealings, licensing compliance, and enforcement where financial services...
Builds on prior MoUs (e.g., FCA-UKGC models) by addressing regulatory overlaps, with IFR gaining powers for investigations, enforcement sanctions, and revenue distribution resolutions under the...

Suggested Considerations

Review and map exposures: Firms should assess football-related client portfolios for IFR overlap (e.g., loans to clubs, owner financing) and prepare for dual FCA-IFR scrutiny.
Enhance information sharing protocols: Update compliance policies to respond promptly to IFR requests for data on regulated activities (e.g., under IFR's clause 65 powers), mirroring FCA's existing MoU frameworks.[https://www.fca.org.uk/news/statements/mou-independent-football-regulator-fca]
Incorporate IFR factors in due diligence: For owner suitability, align with IFR tests (fit/proper custodians, resource adequacy); flag potential divestment risks in advisory services.
Monitor joint enforcement: Participate in escalation procedures if disputes arise, ensuring internal records of regulatory remit discussions.

Key Dates

2025

Football Governance Act 2025 enactment; Establishes IFR statutory powers, including provisional/full club licensing from this date onward

Ongoing

IFR licensing rollout; Clubs transition from provisional to full licenses once threshold conditions (e.g., financial resources, owner suitability) met; no fixed end-date

Compliance Impact

Urgency: Medium – This MoU does not impose new binding rules or deadlines but signals heightened cross-regulator focus on football finances post-Football Governance Act 2025, risking enforcement overlaps or info requests. It matters for firms with niche exposures (e.g., sports financing) to avoid gaps in owner due diligence or financial promotions, potentially amplifying AML/conduct risks amid IFR's divestment powers.

References

AI-generated analysis. May contain errors or omissions — verify with the original FCA source before acting. Full disclaimer.

Sectors:

Banking & Credit Payments & E-Money Consumer Credit

Topics:

Authorisation & Licensing Senior Managers / Governance Reporting & Disclosure

BankFintechPayment Provider

🇸🇬 MAS News low

February 24th 2026

Written reply to Parliamentary Question on Circulation of Five-Cent Coins

Written reply to Parliamentary Question on Circulation of Five-Cent Coins

Sectors:

Banking & Credit Payments & E-Money Consumer Credit

Topics:

Consumer Protection / Conduct Reporting & Disclosure Authorisation & Licensing

BankPayment ProviderAll Firms

🇬🇧 PRA policy_statement high

February 20th 2026

PS5/26 – Credit Union Service Organisations

Policy statement 5/26

AI Analysis

PRA Policy Statement PS5/26 finalizes rules permitting UK credit unions to invest in Credit Union Service Organisations (CUSOs), expanding from the CP13/25 proposals to foster innovation, collaboration, and growth while managing prudential risks through safeguards like due diligence and investment caps. This matters as it enables credit unions—often smaller mutuals—to access shared services (e.g., HR, IT, compliance) via CUSOs, leveling the playing field against larger competitors and supporting the PRA's safety/soundness and competitiveness objectives.

What Changed

- Investment permission and cap increase: Credit unions can now invest in CUSOs using own capital, with the cap raised from 5% to 7.5% of total capital across all CUSOs (clarifications added on...
Expanded CUSO scope: CUSOs can now serve other UK-regulated mutuals (with Part 4A permission) beyond just credit unions; partnerships with non-credit unions permitted as owners, subject to safeguards.
Supervisory expectations in SS2/23: New chapter requires due diligence, risk analysis, limited liability to investment amount, legal/operational separation, conflict of interest policies, and...
Other updates: Chapter 17 of SS2/23 amended due to deletion of SS20/15; six-month implementation window for SS2/23 CUSO expectations.

Suggested Considerations

Review and update policies: Credit unions must conduct due diligence/risk assessments before any CUSO investment/use; implement conflict of interest policies, especially for non-credit union partnerships.
Ensure structural safeguards: Limit liability to investment amount; maintain legal/operational separation between credit union and CUSO; monitor aggregate investments ≤7.5% of capital.
Governance alignment: Decisions must prioritize member benefits per legislative objects; update internal investment rules to comply with amended PRA Rulebook (Credit Unions Part).
Implementation planning: Within six months, integrate SS2/23 expectations into operations; non-engaging credit unions need no action but should monitor for opportunities.
Reporting/oversight: Prepare for PRA supervision on CUSO risks; consider CBA updates if significantly impacting mutuals.

Key Dates

24 October 2025 DEADLINE

- Consultation response deadline for CP13/25

20 February 2026

- Publication date of PS5/26 (final policy)

~20 August 2026 DEADLINE

- Implementation deadline for SS2/23 CUSO expectations (six months from PS5/26 publication)

Compliance Impact

Urgency: High – Credit unions eyeing CUSOs for growth (e.g., shared services) must act promptly within the six-month window to avoid supervisory breaches, as this expands opportunities but introduces new prudential risks (e.g., ownership misalignment, capital exposure). Non-compliance risks heightened PRA scrutiny, especially post-PS26/25 mutual sector review; benefits justify costs only for opt-in firms, but proactive preparation ensures safety/soundness.

References

AI-generated analysis. May contain errors or omissions — verify with the original PRA source before acting. Full disclaimer.

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Prudential / Capital Requirements Operational Resilience / Outsourcing Authorisation & Licensing

BankFintechAll Firms

🇸🇬 MAS News medium

February 12th 2026

Written reply to Parliamentary Question on Credit Card Fraud Liability and Dispute Resolution

Written reply to Parliamentary Question on Credit Card Fraud Liability and Dispute Resolution

Sectors:

Banking & Credit Payments & E-Money Consumer Credit

Topics:

Consumer Protection / Conduct Reporting & Disclosure

BankPayment ProviderAll Firms

🇸🇬 MAS News medium

February 12th 2026

Written reply to Parliamentary Question on alternative verification methods for medically vulnerable customers

Written reply to Parliamentary Question on alternative verification methods for medically vulnerable customers

Sectors:

Banking & Credit Payments & E-Money Consumer Credit

Topics:

Consumer Protection / Conduct Technology & Cyber Authorisation & Licensing

BankFintechAll Firms

🇬🇧 FCA News high

February 11th 2026

New protections confirmed for Buy Now Pay Later borrowers

Buy Now Pay Later (BNPL) borrowers will benefit from stronger protections from 15 July 2026, following the Government's decision to bring the sector under the FCA's regulation. BNPL will be subject to the Consumer Duty and consumers will benefit from:Clear information: Consumers will get clear, upfront details about their agreement, including when payments will be due, amounts, and what happens if they miss a payment.Affordability checks: Lenders must carry out proportionate checks to make su...

Sectors:

Consumer Credit Banking & Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

FintechPayment Provider

🇩🇪 BaFin News high

February 11th 2026

finanzpluss: BaFin warns against offers on the website finanzpluss(.)online

finanzpluss, allegedly based in Frankfurt am Main, offers loans on its website for high fees, without the necessary authorisation, which are not paid out.

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Authorisation & Licensing Consumer Protection / Conduct AML / Financial Crime

BankFintech

🇮🇪 CBI Warning high

February 10th 2026

Capital Horizon Loans (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm

Capital Horizon Loans (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Authorisation & Licensing AML / Financial Crime

BankFintechAll Firms

🇿🇦 FSCA News low

February 7th 2026

FSCA Speech Competition

FSCA Speech Competition

Sectors:

Consumer Credit

Topics:

Consumer Protection / Conduct

All Firms

🇿🇦 FSCA News low

February 7th 2026

FSCA Money Smart Week

FSCA Money Smart Week

Sectors:

Consumer Credit

Topics:

Consumer Protection / Conduct

All Firms

🇿🇦 FSCA News

February 7th 2026

FSCA MyMoney

FSCA MyMoney

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Authorisation & Licensing

BankFintechAll Firms

🇩🇪 BaFin News high

February 6th 2026

BaFin warns consumers about the website hashxcapital(.)com

The Federal Financial Supervisory Authority (BaFin) warns consumers about the services offered on the website hashxcapital(.)com. BaFin has information that the website’s operators are using it to offer banking business and/or financial services without the required authorisation. The operators are not supervised by BaFin.

Sectors:

Banking & Credit Consumer Credit Crypto & Digital Assets

Topics:

Consumer Protection / Conduct Authorisation & Licensing

BankFintechCrypto Exchange

🇬🇧 FCA News high

February 4th 2026

FCA and SRA issue joint warning to firms representing motor finance commission claims

The FCA and Solicitors Regulation Authority (SRA) have today issued a joint warning to claims management companies (CMCs) and law firms involved in motor finance commission claims to make sure consumers don’t have multiple representatives for the same claim and are not charged excessive termination fees. The regulators are reminding CMCs and law firms that they are expected to have robust checks in place to confirm consumers have not already instructed another representative. The FCA has also...

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Authorisation & Licensing

BankFintechAll Firms

🇬🇧 FCA policy_statement high

February 4th 2026

FCA and SRA joint message to professional representatives on motor finance commission claims: dealing with multiple representation and excessive termination fees

The FCA and Solicitors Regulation Authority (SRA) are warning claims management companies and law firms (representatives) involved in motor finance claims to make sure clients don’t have multiple representatives for the same claim and are not charged excessive termination fees We have seen some clients with up to 4 different representatives for the same claim. They risk being charged termination fees, which could be deemed excessive, should they try to cancel duplicate agreements.

AI Analysis

The FCA and SRA have issued a joint warning to claims management companies (CMCs) and law firms handling motor finance commission claims, addressing multiple client representations (up to 4 per claim observed) and excessive termination fees, which risk unfair consumer treatment. This matters because regulators are intensifying scrutiny amid a paused complaints-handling period (ending May 2026) and a forthcoming redress scheme, with enforcement actions already underway against non-compliant firms.

What Changed

This is a non-binding joint message reinforcing existing obligations under FCA's Consumer Duty, Claims Management Conduct of Business Sourcebook, Consumer Rights Act 2015 (CRA), and SRA standards, rather than introducing new rules. Key emphases include mandatory robust onboarding due diligence to prevent multiple representations, clear upfront disclosure of termination fees, and justification of any fees charged (especially if onboarding was inadequate).

Suggested Considerations

Engaging clients and other representatives to confirm client wishes and establish single representative.
Notifying respondent firms promptly of the sole representative.
Supporting file transfers with client consent and considering no-charge resolutions if onboarding was poor.
Robust onboarding checks (e.g., confirm no prior representation).
Entering new agreements only after prior termination and informed consent.

Key Dates

7 October 2025

- FCA letter to CMCs on related expectations

Early 2026

- FCA expected to finalize redress scheme rules (per consultation responses). (https://www.akingump.com/en/insights/alerts/fca-consultation-paper-on-motor-finance-redress-published)

31 January 2026

- Snapshot of SRA's 89 open HVCC investigations and 7 firm closures

5 February 2026

- FCA launches consumer advertising campaign warning of scammers (post-dated relative to publication)

End of March 2026

- FCA to publish final rules on proposed Motor Finance Consumer Redress Scheme (CRS)

Compliance Impact

Urgency: High - Immediate risk of enforcement; FCA/SRA using CRA/DMCA 2024 powers (e.g., info requests from 9 law firms), 5 CMCs paused onboarding, 1 under investigation, SRA closed 7 firms. Matters due to paused complaints (ending soon), impending CRS, consumer harm from fees/delays, and proactive monitoring signaling broader crackdown on HVCC misconduct like excessive fees or poor due diligence.

References

AI-generated analysis. May contain errors or omissions — verify with the original FCA source before acting. Full disclaimer.

Sectors:

Consumer Credit Insurance & Pensions

Topics:

Consumer Protection / Conduct

Payment ProviderAll Firms

🇸🇬 MAS News low

February 4th 2026

Written reply to Parliamentary Questions on Buy Now, Pay Later transactions and the maximum purchase limit for those below 21 years old

Written reply to Parliamentary Questions on Buy Now, Pay Later transactions and the maximum purchase limit for those below 21 years old.

Sectors:

Banking & Credit Consumer Credit Payments & E-Money

Topics:

Consumer Protection / Conduct Reporting & Disclosure

BankFintechPayment Provider

🇸🇬 MAS News medium

February 4th 2026

Written reply to Parliamentary Question on delays and non-receipt of transaction alerts for fraudulent transactions

Written reply to Parliamentary Question on delays and non-receipt of transaction alerts for fraudulent transactions.

Sectors:

Banking & Credit Payments & E-Money Consumer Credit

Topics:

Consumer Protection / Conduct Operational Resilience / Outsourcing Reporting & Disclosure

BankFintechPayment Provider

🇸🇬 MAS News medium

February 4th 2026

Written reply to Parliamentary Question on clearer regulatory guidance on assigning liability for fraudulent transactions

Written reply to Parliamentary Question on clearer regulatory guidance on assigning liability for fraudulent transactions.

Sectors:

Banking & Credit Payments & E-Money Consumer Credit

Topics:

Consumer Protection / Conduct Operational Resilience / Outsourcing Reporting & Disclosure

BankFintechPayment Provider

🇬🇧 FCA News medium

February 3rd 2026

Falling cost of premium finance saving consumers around £157m a year

People who pay monthly for their insurance are saving around £157m a year, with over half the firms the FCA reviewed as part of a market study lowering the cost of premium finance. Interest rates for premium finance have fallen by an average 4.1 percentage points since 2022, saving consumers £8 on a typical motor policy and £3 on a typical home policy per year. The changes result from regulatory attention, fair value assessments and base rate reductions. The FCA has seen even more significant...

Sectors:

Insurance & Pensions Consumer Credit

Topics:

Consumer Protection / Conduct Reporting & Disclosure

InsuranceAll Firms

🇬🇧 FCA Enforcement high

February 3rd 2026

What do we mean when we say 'fair value'?

What does 'fair value' mean in financial services? It might sound like dry regulator speak, but it’s really asking a simple question – are customers paying a reasonable price for a product, compared to the benefits they get in return?This is not us setting a particular price or level of profit which firms can make. But it's a challenge to firms – can they provide evidence that their customers are getting a fair deal? If they can’t, then they need to look again.This applies across financial se...

AI Analysis

This FCA blog post clarifies the 'fair value' concept under Consumer Duty, emphasizing that firms must evidence a reasonable price-to-benefits relationship without the FCA dictating prices or profits. It matters because it signals ongoing FCA scrutiny and enforcement in sectors like cash savings, investment platforms, and premium finance, with demonstrated consumer savings of £167m annually from interventions. Compliance professionals must prioritize robust fair value assessments to avoid challenges, remedial actions, or enforcement.

What Changed

No new rules are introduced; this reinforces existing Consumer Duty requirements (effective July 2023 for new products, July 2024 for closed books) on fair value as one of four outcomes...
Firms must demonstrate evidence of fair value, assessing price against benefits, costs, and services delivered.
Ongoing reviews required throughout product lifecycle, with actions if fair value fails (e.g., improve, withdraw).
FCA rejects prescriptive interventions like 0% APR in premium finance to avoid market harm, favoring firm-led assessments.[FCA blog]

Suggested Considerations

Conduct and evidence fair value assessments: Use frameworks considering product nature/benefits, limitations, total lifetime costs (fees/charges), relative to benefits; benchmark internally/externally; segment by consumer groups including vulnerables.
Review and act on failures: If no fair value, implement mitigations (e.g., price adjustments, process improvements, product withdrawal); evidence processes and implementation.[FCA blog]
Monitor markets/products ongoing: Assess at firm/market level, including intangible benefits (e.g., scam protection, support channels); prepare for FCA challenges/enforcement.
Premium finance specific: All firms review offerings; outliers demonstrate workings or improve (e.g., APR reductions).[FCA blog]

Compliance Impact

Urgency: High – FCA is actively intervening (e.g., £157m savings in premium finance, £10m in platforms), with threats of enforcement for poor processes/evidence. Matters due to cultural shift under Consumer Duty; weak assessments risk fines, remediation, or product halts, especially in high-complaint areas like savings/insurance. Firms without frameworks face immediate exposure in supervisory reviews.

References

AI-generated analysis. May contain errors or omissions — verify with the original FCA source before acting. Full disclaimer.

Sectors:

Banking & Credit Insurance & Pensions Consumer Credit

Topics:

Consumer Protection / Conduct

BankInsuranceAll Firms

🇸🇬 MAS News medium

February 3rd 2026

Written reply to Parliamentary Questions on the Shared Responsibility Framework and real-time fraud detection standards expected of financial institutions in Singapore

Written reply to Parliamentary Questions on the Shared Responsibility Framework and real-time fraud detection standards expected of financial institutions in Singapore.

Sectors:

Banking & Credit Payments & E-Money Consumer Credit

Topics:

AML / Financial Crime Consumer Protection / Conduct Operational Resilience / Outsourcing

BankFintechPayment Provider

🇩🇪 BaFin News medium

February 2nd 2026

Buy now, pay later: one in seven people lose track of payments

Buy now, pay later: a common practice in online shopping. A survey by BaFin shows that deferring payments can be risky - especially for young consumers.

Sectors:

Consumer Credit Payments & E-Money

Topics:

Consumer Protection / Conduct Reporting & Disclosure

FintechPayment Provider

🇦🇺 ASIC News medium

February 2nd 2026

Director of WA tiling business charged with making false statement

Director of WA tiling business charged with making false statement

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Reporting & Disclosure Authorisation & Licensing

BankFintechAll Firms

🇬🇧 FCA Enforcement medium

January 30th 2026

AI Live Testing: How it can support safe and responsible AI deployment

AI Live Testing now open for applicationsAt the FCA, we’re providing a structured but flexible space where firms can test AI-driven services in real-world conditions, all with our regulatory support and oversight and help from our technical partner, Advai. Collaboration and communication is at the heart of what we are doing.The first cohort joined AI Live Testing in October last year. We opened a second application window on 19 January 2026 and are now inviting applications.Moving on from 'PO...

AI Analysis

The FCA's AI Live Testing initiative provides a voluntary, structured program for firms with mature AI proofs-of-concept (POCs) to test AI-driven services in controlled real-world environments under regulatory oversight and support from technical partner Advai. This matters because it enables safe progression from 'POC paralysis' to deployment, while helping the FCA gather insights on translating AI principles into consumer and market protections, informing future regulation. Participation enhances firms' governance, risk management, and evaluation frameworks for responsible AI use in financial services.

What Changed

This is not a mandatory regulatory change but a voluntary testing service launched by the FCA; no new enforceable requirements are imposed. Key elements include a holistic focus on the AI system (model + deployment context, risks, governance, human-in-the-loop, evaluation, input/output controls) rather than isolated foundation models. The program features three phases: Discovery, Framework validation, and AI system testing (quantitative/qualitative), emphasizing live monitoring, governance, and risk management. It complements the FCA's Supercharged Sandbox for earlier-stage AI exploration.

Suggested Considerations

Review FCA's Terms of Reference (PDF) for eligibility, focusing on mature POCs and enterprise-level AI systems.
Submit application form via FCA portal by 2 March 2026 if ready for live testing; contact suptech@ fca.org.uk for queries.
Prepare documentation on AI system components (model, context/risks, governance, human oversight, evaluation, controls) for three-phase process.
Assess internal governance, data, risk frameworks, and monitoring for AI readiness; consider non-participation but monitor for future FCA expectations.
Firms not selected should use insights from first cohort (e.g., evaluation frameworks) to strengthen internal AI practices.

Key Dates

October 2025

- First cohort began testing (historical reference)

19 January 2026

- Second application window opens

2 March 2026 DEADLINE

- Application deadline for second cohort

April 2026

- Testing starts for second cohort

Mid

March 2026; - Notification of successful applicants

Compliance Impact

Urgency: Medium - Voluntary program, but signals FCA's proactive stance on AI oversight; non-participation risks lagging in best practices for Consumer Protection / Conduct and Operational Resilience / Outsourcing as regulator builds evidence for potential rules. Matters for competitive edge in AI deployment and demonstrating alignment with principles-based regulation amid 'POC paralysis'. Early movers gain tailored support, intelligence-sharing on risks, and influence on FCA's evolving AI approach.

References

AI-generated analysis. May contain errors or omissions — verify with the original FCA source before acting. Full disclaimer.

Sectors:

Banking & Credit Payments & E-Money Consumer Credit

Topics:

Consumer Protection / Conduct Operational Resilience / Outsourcing Technology & Cyber

BankFintechInsurance

🇸🇦 SAMA News medium

January 29th 2026

SAMA Licenses “alhulul almuntilaqa” Company to Provide Consumer Microfinance Solutions

SAMA Licenses “alhulul almuntilaqa” Company to Provide Consumer Microfinance Solutions

Sectors:

Consumer Credit

Topics:

Authorisation & Licensing

Fintech

🇺🇸 FINRA regulatory_notice low

January 24th 2026

Engagement

Engagement

Sectors:

Investment Management Capital Markets & Trading Consumer Credit

Topics:

Consumer Protection / Conduct Prudential / Capital Requirements Reporting & Disclosure

Broker DealerAsset ManagerWealth Manager

🇺🇸 FINRA regulatory_notice low

January 24th 2026

Direct Participation Programs (DPPs)

Direct Participation Programs (DPPs)

Sectors:

Investment Management Capital Markets & Trading Consumer Credit

Topics:

Consumer Protection / Conduct Reporting & Disclosure Authorisation & Licensing

Broker DealerAsset ManagerWealth Manager

🇺🇸 FINRA regulatory_notice low

January 24th 2026

Customer Information Protection

Customer Information Protection

Sectors:

Investment Management Capital Markets & Trading Consumer Credit

Topics:

AML / Financial Crime Consumer Protection / Conduct Reporting & Disclosure

Broker DealerAsset ManagerWealth Manager

🇺🇸 FINRA regulatory_notice low

January 24th 2026

Customer Account Transfers

Customer Account Transfers

Sectors:

Investment Management Capital Markets & Trading Consumer Credit

Topics:

Consumer Protection / Conduct Reporting & Disclosure Authorisation & Licensing

Broker DealerAsset ManagerWealth Manager

🇺🇸 FINRA regulatory_notice low

January 24th 2026

Customer Account Statements

Customer Account Statements

Sectors:

Investment Management Capital Markets & Trading Consumer Credit

Topics:

Consumer Protection / Conduct Reporting & Disclosure Authorisation & Licensing

Broker DealerAsset ManagerWealth Manager

🇬🇧 FCA Guidance high

January 24th 2026

Consumer Duty: International payment pricing transparency – good and poor practice

Good and poor practice

AI Analysis

The FCA's guidance outlines good and poor practices in communicating costs for international money remittance and cross-border payments involving currency conversion, emphasizing transparency under the Consumer Duty to enable informed consumer decisions. It matters because non-compliance risks supervisory action, as the FCA plans future reviews to assess improvements, raising the bar on pricing clarity amid ongoing Duty enforcement.

What Changed

This is not new rulemaking but illustrative guidance applying existing Consumer Duty rules from FG 22/5 and PRIN 2A.5.3R, which mandate communications that are clear, fair, not misleading, meet retail customers' information needs, are understandable, and support effective decisions. Key emphases include pre-transaction disclosure of: amount remitted (GBP), applied exchange rate (explaining markups as consumer costs), recipient amount (local currency), variable/fixed fees, total fees, and intermediary/recipient bank fees where applicable.

Suggested Considerations

Review and update pre-transaction communications (e.g., websites) to prominently display all required pricing elements before commitment: GBP amount, exchange rate/markup, recipient amount, fees (fixed/variable/total), and intermediary warnings.
Ensure markups are framed as consumer costs, not obscured (e.g., avoid "zero cost" claims despite markups).
Monitor communication effectiveness regularly under Consumer Duty to confirm good outcomes, enabling cost comparisons and informed choices.
Apply principles to all channels; proactively disclose fee variability and third-party impacts.

Key Dates

31 July 2023

- Consumer Duty effective date for new and existing products/services

1 May 2025

- FCA publication date of this good/poor practice guidance

Compliance Impact

Urgency: High – Consumer Duty is live since 2023, but this 2025 guidance signals intensified FCA scrutiny on payments transparency, with planned follow-up work and engagement to enforce improvements. Firms risk remediation demands or enforcement if disclosures remain inadequate, especially as it targets common weaknesses like hidden fees amid broader Duty portfolio reviews.

References

AI-generated analysis. May contain errors or omissions — verify with the original FCA source before acting. Full disclaimer.

Sectors:

Payments & E-Money Banking & Credit Consumer Credit

Topics:

Consumer Protection / Conduct

Payment ProviderBankFintech

🇬🇧 FCA Guidance high

January 24th 2026

PS25/19: Improving the complaints reporting process

Consultation papers

AI Analysis

FCA PS25/19 finalizes rules to streamline complaints reporting by replacing multiple existing returns with a single consolidated return, enhancing data quality, consistency, and vulnerability identification while reducing burdens. This matters for compliance teams as it mandates system and process updates to improve regulatory oversight and consumer protection, with implementation required within 12 months.

What Changed

- Consolidated complaints return: Replaces five existing returns (DISP 1 Annex 1, Consumer Credit Return (CCR), Funeral Plans (FP), Claims Management Companies (CMCs), and Electronic Money and...
Permission-based reporting: Firms report only sections relevant to their regulated permissions, targeting reporting to specific activities.
Simplified nil returns: Proportionate approach allows upfront selection for firms with no complaints.
Removal of group reporting: Shifts to individual legal entity-level reporting for greater transparency and oversight.
Updated complaints taxonomy: Revised categories reflect modern products/services, reducing use of 'Other' and improving categorization.

Suggested Considerations

Review and update internal complaints recording, categorization, and reporting systems to align with new consolidated return, taxonomy, permission-based sections, and vulnerability data points.
Eliminate group-level aggregation; implement entity-level reporting.
Integrate FCA Vulnerability Guidance into complaints processes for identification and reporting.
Test and prepare for fixed 6-monthly submissions via FCA systems; complete nil return simplifications where applicable.
For Retail Banking, Insurance, Payment Services, and CMCs: Retain and adapt contextualised data capture.

Compliance Impact

Urgency: High – With publication on 3 Dec 2025 and a 12-month implementation window (to ~Dec 2026), firms must prioritize system changes now, as the first period starts 1 Jan 2027; non-compliance risks enforcement, especially on vulnerability reporting and transparency, amid FCA's focus on consumer protection data quality.

References

AI-generated analysis. May contain errors or omissions — verify with the original FCA source before acting. Full disclaimer.

Sectors:

Banking & Credit Insurance & Pensions Payments & E-Money Consumer Credit

Topics:

Consumer Protection / Conduct Reporting & Disclosure

BankInsurancePayment Provider

🇸🇦 SAMA News medium

January 24th 2026

SAMA Licenses “Tabby finance” Company to Engage in BNPL Activity

SAMA Licenses “Tabby finance” Company to Engage in BNPL Activity

Sectors:

Payments & E-Money Consumer Credit

Topics:

Authorisation & Licensing Consumer Protection / Conduct

FintechPayment Provider

🇦🇺 ASIC News medium

January 24th 2026

Collection agency company director loses appeal against conviction for obtaining a financial advantage by deception

Collection agency company director loses appeal against conviction for obtaining a financial advantage by deception

Sectors:

Consumer Credit Banking & Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

All Firms

🇦🇺 ASIC News high

January 24th 2026

RAMS penalised $20 million for widespread compliance failings regarding home loans

RAMS penalised $20 million for widespread compliance failings regarding home loans

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Authorisation & Licensing Reporting & Disclosure

BankFintech

🇦🇺 ASIC News medium

January 24th 2026

ASIC cancels Australian credit licence of GS-APAC Pty Ltd

ASIC cancels Australian credit licence of GS-APAC Pty Ltd

Sectors:

Banking & Credit Consumer Credit

Topics:

Authorisation & Licensing Consumer Protection / Conduct

BankFintech

🇦🇺 ASIC News high

January 24th 2026

ASIC successfully defends special leave application to the High Court by Cigno Australia director Mark Swanepoel and BSF Solutions director Brenton Harrison

ASIC successfully defends special leave application to the High Court by Cigno Australia director Mark Swanepoel and BSF Solutions director Brenton Harrison

Sectors:

Consumer Credit Banking & Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

FintechAll Firms

🇦🇺 ASIC News high

January 24th 2026

ASIC drives car finance providers to improve consumer outcomes

ASIC drives car finance providers to improve consumer outcomes

Sectors:

Consumer Credit Banking & Credit

Topics:

Consumer Protection / Conduct Reporting & Disclosure

BankFintech

🇦🇺 ASIC News high

January 24th 2026

ASIC disqualifies NSW hospitality director for five years

ASIC disqualifies NSW hospitality director for five years

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Prudential / Capital Requirements Authorisation & Licensing

BankFintechAll Firms

🇦🇺 ASIC News high

January 24th 2026

Former director of private lending companies permanently banned over fraud conviction

Former director of private lending companies permanently banned over fraud conviction

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Authorisation & Licensing Prudential / Capital Requirements

BankFintechAll Firms

🇦🇺 ASIC News high

January 24th 2026

ASIC issues DDO stop order against City Finance Lending Pty Ltd

ASIC issues DDO stop order against City Finance Lending Pty Ltd

Sectors:

Consumer Credit Banking & Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

FintechBank

🇦🇺 ASIC News high

January 24th 2026

ASIC issues DDO stop order against FXCM for TMD deficiencies

ASIC issues DDO stop order against FXCM for TMD deficiencies

Sectors:

Capital Markets & Trading Consumer Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

Broker DealerFintech

🇦🇺 ASIC News high

January 24th 2026

Business lender and loan introducer together penalised $515,000 over credit law breaches

Business lender and loan introducer together penalised $515,000 over credit law breaches

Sectors:

Consumer Credit Banking & Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

BankFintech

🇦🇺 ASIC News high

January 24th 2026

ASIC bans Sydney mortgage broker for ten years and cancels her Australian credit licence

ASIC bans Sydney mortgage broker for ten years and cancels her Australian credit licence

Sectors:

Consumer Credit Mortgage & Lending

Topics:

Authorisation & Licensing Consumer Protection / Conduct

All Firms

🇦🇺 ASIC News medium

January 24th 2026

ASIC suspends Australian credit licence of Transitional Funding Pty Ltd

ASIC suspends Australian credit licence of Transitional Funding Pty Ltd

Sectors:

Consumer Credit Banking & Credit

Topics:

Authorisation & Licensing Consumer Protection / Conduct

All Firms

🇦🇺 ASIC News high

January 24th 2026

ASIC secures nearly $40 million in refunds to investors and drives change after CFD sector falls short

ASIC secures nearly $40 million in refunds to investors and drives change after CFD sector falls short

Sectors:

Capital Markets & Trading Consumer Credit

Topics:

Consumer Protection / Conduct Reporting & Disclosure

Broker DealerFintech

🇮🇪 CBI Warning high

January 21st 2026

DEV Limited (CLONE) - Central Bank of Ireland Issues Warning on Unauthorised Firm

DEV Limited (CLONE) - Central Bank of Ireland Issues Warning on Unauthorised Firm

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Authorisation & Licensing Consumer Protection / Conduct AML / Financial Crime

BankFintech

🇺🇸 SEC News

January 20th 2026

Division of Corporation Finance Names Senior Staff

The Securities and Exchange Commission today announced the senior team from the Division of Corporation Finance responsible for advising division Director James Moloney on all matters the division has before the Commission. These include rulemaking…

Sectors:

Capital Markets & Trading Consumer Credit Mortgage & Lending

Topics:

Reporting & Disclosure Authorisation & Licensing Senior Managers / Governance

BankBroker DealerWealth Manager

🇱🇺 CSSF News medium

January 20th 2026

ML/FT Sub-Sector Risk Assessment on Specialised Professionals of the Financial Sector providing corporate services (trust and company service provider activities) (Updated)

2026 update

Sectors:

Banking & Credit Wealth & Private Banking Consumer Credit

Topics:

AML / Financial Crime Authorisation & Licensing Senior Managers / Governance

BankWealth ManagerFamily Office

🇩🇪 BaFin News high

January 16th 2026

Paragonix Edge: BaFin warns consumers about further Paragonix Edge websites

The Federal Financial Supervisory Authority (BaFin) warns consumers about “Paragonix Edge” and the services it is offering. BaFin suspects the unknown operators of the websites paragonixedge(.)org, hhessel(.)com, funkmp(.)com und altenweerth(.)com of offering consumers cryptoasset services without the required authorisation.

Sectors:

Crypto & Digital Assets Banking & Credit Consumer Credit

Topics:

Authorisation & Licensing Consumer Protection / Conduct AML / Financial Crime

Crypto ExchangeBankFintech

🇩🇪 BaFin News high

January 14th 2026

WhatsApp groups and trading app: BaFin warns consumers about identity theft in connection with the app “PayDenPro”

According to information available to the Federal Financial Supervisory Authority (BaFin), unknown persons are using WhatsApp groups and chats to contact German investors. The initiators of these WhatsApp groups purport to be the US company “Payden & Rygel”. This is a case of identity theft misusing the names of real employees.

Sectors:

Banking & Credit Payments & E-Money Consumer Credit

Topics:

AML / Financial Crime Consumer Protection / Conduct Authorisation & Licensing

BankFintechPayment Provider

🇩🇪 BaFin News high

January 7th 2026

blauline(.)ai: BaFin warns consumers about website

The Federal Financial Supervisory Authority (BaFin) warns consumers about the services offered on the website blauline(.)ai. BaFin has information that this website is being used to offer financial, investment and cryptoasset services without the required authorisation.

Sectors:

Banking & Credit Crypto & Digital Assets Consumer Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

FintechCrypto ExchangeAll Firms

🇬🇧 FCA News high

January 2nd 2026

FCA opens investigation into claims management company

The FCA has opened an enforcement investigation into The Claims Protection Agency Limited (TCPA) following concerns about its advertising and sales tactics in relation to potential motor finance claims. The FCA is investigating what customers were told about the amount of redress they might obtain, whether they were told they could make a claim for free, and whether they were pressurised to sign up.Announcing the investigation allows TCPA customers to consider their options.The FCA has not re...

Sectors:

Banking & Credit Consumer Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

All Firms

🇬🇧 FCA policy_statement high

December 22nd 2025

Beware of unregulated holiday park investment schemes

A growing number of investment schemes are being promoted unlawfully, are high risk and may even be scams. We've identified a growing number of investment schemes in holiday lodges and holiday homes being promoted to UK consumers by companies that are not FCA authorised.They may be unregulated collective investment schemes, where several investors invest their money. The schemes are being promoted unlawfully, are high risk and may even be scams. We remind consumers that if you invest in an un...

AI Analysis

The FCA has issued a consumer warning about unregulated investment schemes in holiday lodges and holiday homes, which are often promoted unlawfully by unauthorised firms, posing high risks or outright scams. These schemes typically involve collective investments without FCA authorisation, breaching UK financial promotion and collective investment scheme (CIS) rules. This matters for compliance professionals as it signals heightened FCA scrutiny on unauthorised promotions, potential enforcement actions, and the need for firms to review marketing materials and client referrals to avoid facilitation risks.

What Changed

This is not a formal rulemaking or policy change but a consumer alert and enforcement signal under existing regulations. Key reminders include:
Unauthorised firms cannot lawfully promote collective investment schemes (CIS) under section 21 of the Financial Services and Markets Act 2000 (FSMA).
Holiday park schemes pooling investor funds for lodge purchases and management often qualify as unregulated CIS, making promotions illegal.
No new requirements are introduced, but the FCA emphasises its ongoing monitoring and willingness to intervene, including via the Financial Promotions Regime (effective from 7 October 2023 for all...

Suggested Considerations

Immediate verification: Check client-facing promotions, websites, and advisor scripts for any reference to holiday lodge/park schemes; ensure no endorsement of unauthorised products.
Client communication review: Audit advice processes to flag and reject high-risk, unregulated collective schemes; document refusals.
Training and monitoring: Update firm-wide training on CIS definitions (per COLL sourcebook) and unauthorised promotion risks; enhance surveillance of emails, social media, and third-party referrals.
Internal reporting: Escalate any suspected unauthorised promotions to the FCA via Connect or the unauthorised firms reporting form (https://www.fca.org.uk/consumers/report-scam-unauthorised-firm).
Due diligence: For authorised firms, implement pre-approval checks under the financial promotions regime (PERG 8 guidance) to confirm partner schemes are not CIS.

Compliance Impact

Urgency: High. This alert indicates active FCA enforcement priority on consumer-facing scams in property-linked investments, with risks of fines, bans, or asset freezes for non-compliance (e.g., similar to past actions against mini-bond issuers). Firms face heightened supervisory visits or thematic reviews; inaction could lead to principal liability for facilitating unauthorised activities, especially post-2023 promotions regime. Prioritise within 30 days to align with FCA's "buyer beware" stance shifting to proactive gatekeeping.

AI-generated analysis. May contain errors or omissions — verify with the original FCA source before acting. Full disclaimer.

Sectors:

Investment Management Wealth & Private Banking Consumer Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

Wealth ManagerAsset ManagerAll Firms

🇩🇪 BaFin News high

December 19th 2025

BaFin warns consumers about series of platforms

The Federal Financial Supervisory Authority (BaFin) warns customers about online trading platforms that use the slogan “[...] invest your money in the world of cryptocurrencies with [...]”. BaFin suspects the unknown operators of offering consumers cryptoasset services without the required authorisation. The websites have the same text design and layout.

Sectors:

Banking & Credit Crypto & Digital Assets Consumer Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

Crypto ExchangeFintech

🇮🇪 CBI Warning high

December 17th 2025

Tava Loans - Central Bank of Ireland Issues Warning on Unauthorised Firm

Tava Loans - Central Bank of Ireland Issues Warning on Unauthorised Firm

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Authorisation & Licensing

BankFintechAll Firms

🇮🇪 CBI Warning high

December 17th 2025

Ava Credit Finance - Central Bank of Ireland Issues Warning on Unauthorised Firm

Ava Credit Finance - Central Bank of Ireland Issues Warning on Unauthorised Firm

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Authorisation & Licensing Consumer Protection / Conduct

BankFintech

🇬🇧 FCA Enforcement medium

December 15th 2025

Using our full toolkit to help consumers

With over 20 years’ experience and responsibility for supervising 5,000 firms, I know that when an issue arises, the first question is often: 'What action will you take?'That’s a fair question – enforcement is one of the most visible ways we act. It often grabs headlines with big fines and publicity.But our role as supervisors is to exercise judgement - selecting the right tool to achieve the best and fastest outcomes for consumers and markets.While enforcement is a vital part of the kit, it’...

AI Analysis

This FCA blog post outlines the regulator's supervisory "toolkit" for addressing consumer harm, emphasizing proactive supervision over enforcement to achieve faster outcomes like redress and market-wide improvements. It matters because it signals FCA's preference for swift, non-enforcement interventions (e.g., skilled person reviews, voluntary requirements), urging firms to respond promptly to supervisory feedback to avoid escalation. Compliance teams should view this as a reminder to prioritize Consumer Duty compliance, as supervision tools are increasingly tied to it for rapid harm prevention.

What Changed

No new rules or requirements are introduced; this is a supervisory strategy update highlighting FCA's full range of tools beyond enforcement. Key emphases include:
Prioritizing supervision for quick fixes, such as multi-firm reviews, good/poor practice guidance, and skilled person reviews (s.166) under FSMA.
Integration of Consumer Duty (Principle 12) as a core principle for assessing and remedying poor outcomes, e.g., unclear policy renewals or inadequate support.
Examples from insurance (e.g., stolen vehicle claims yielding £200m redress; home emergency cover improvements reducing complaints by 61%).

Suggested Considerations

Embed proactive monitoring: Regularly review customer outcomes under Consumer Duty, acting on foreseeable harm (e.g., communication barriers, vulnerable customer support).
Respond swiftly to FCA contact: Engage with supervision teams on identified issues; prepare for tools like skilled person reviews or voluntary restrictions.
Improve practices market-wide: Use FCA guidance (e.g., good/poor examples) to self-assess; ensure clear information, fair value, and accessible support.
Evidence compliance: Map business to Consumer Duty, monitor biases, and demonstrate senior manager oversight via SM&CR.
Facilitate redress: Identify and pay compensation promptly when issues arise, as seen in FCA interventions (£200m vehicle claims; £350k home insurance).

Compliance Impact

Urgency: Medium – This reinforces existing obligations under Consumer Duty and Principles, but underscores risk of supervisory escalation if firms ignore early warnings. It matters because FCA prioritizes speed (supervision over enforcement), enabling quick harm fixes but exposing non-responsive firms to s.166 reviews (costly, used 20+ times in insurance since 2022) or restrictions, impacting reputation and finances. Firms with consumer-facing products must audit processes now to align with "good outcomes" expectations.

References

AI-generated analysis. May contain errors or omissions — verify with the original FCA source before acting. Full disclaimer.

Sectors:

Insurance & Pensions Consumer Credit

Topics:

Consumer Protection / Conduct Senior Managers / Governance

InsuranceAll Firms

🇮🇪 CBI Warning high

December 5th 2025

LiteLoans4U - Central Bank of Ireland Issues Warning on Unauthorised Firm

LiteLoans4U - Central Bank of Ireland Issues Warning on Unauthorised Firm

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct Authorisation & Licensing

BankFintech

🇫🇷 AMF News low

November 5th 2025

The Autorité des Marchés Financiers is running a new financial education campaign aimed at young investors

Long term investment Savings protection Investing wisely Retail investors Journalists The Autorité des Marchés Financiers is running a new financial education campaign aimed at young investors

Sectors:

Investment Management Wealth & Private Banking Consumer Credit

Topics:

Consumer Protection / Conduct

Asset ManagerWealth ManagerFintech

🇦🇪 DFSA News

October 1st 2025

Notice of Consultation Paper Release: CP 168

01 OCT 2025, 09:38 AM Notice of Consultation Paper Release: CP 168

Sectors:

Crypto & Digital Assets Capital Markets & Trading Consumer Credit

Topics:

AML / Financial Crime Prudential / Capital Requirements Reporting & Disclosure

Crypto ExchangeFintechAll Firms

🇦🇪 DFSA News

September 16th 2025

New DFSA Thematic Review: High-Growth Firms

16 SEP 2025, 02:18 PM New DFSA Thematic Review: High-Growth Firms

Sectors:

Investment Management Capital Markets & Trading Consumer Credit

Topics:

Prudential / Capital Requirements Operational Resilience / Outsourcing Reporting & Disclosure

Asset ManagerBankFintech

🇮🇪 CBI Warning high

August 27th 2025

Uniq Loan Financial - Central Bank of Ireland Issues Warning on Unauthorised Firm

Uniq Loan Financial - Central Bank of Ireland Issues Warning on Unauthorised Firm

Sectors:

Consumer Credit Banking & Credit

Topics:

Authorisation & Licensing Consumer Protection / Conduct

FintechAll Firms

🇮🇪 CBI Warning high

August 25th 2025

Caventer Finance - Central Bank of Ireland Issues Warning on Unauthorised Firm

Caventer Finance - Central Bank of Ireland Issues Warning on Unauthorised Firm

Sectors:

Consumer Credit Banking & Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

FintechAll Firms

🇮🇪 CBI Warning high

August 5th 2025

Lending Loans - Central Bank of Ireland Issues Warning on Unauthorised Firm

Lending Loans - Central Bank of Ireland Issues Warning on Unauthorised Firm

Sectors:

Consumer Credit Banking & Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing AML / Financial Crime

BankFintech

🇱🇺 CSSF Warning high

March 25th 2025

Warning about loan scams on social media

Press release 25/04

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Consumer Protection / Conduct AML / Financial Crime

BankFintechAll Firms

🇮🇪 CBI Speech medium

October 14th 2024

Central Bank publishes Flood Protection Gap Report

The Central Bank of Ireland has today (Monday 14 October) published its Flood Protection Gap Report . Some homes and businesses in Ireland are unable to obtain flood cover. This means that when a flood occurs, there can be a shortfall between the actual cost of the flood and the portion of that cost that is covered by insurance. This is the flood protection gap. The occurrence of severe flooding could and does leave households and business with high levels of uninsured losses, and may create ...

Sectors:

Banking & Credit Insurance & Pensions Consumer Credit

Topics:

Prudential / Capital Requirements ESG Reporting & Disclosure

BankInsuranceAll Firms

🇫🇷 AMF News

June 5th 2024

AMF Ombudsman publishes her 2023 Annual Report

Mediation Annual report Retail investors Professional investors Journalists AMF Ombudsman publishes her 2023 Annual Report

Sectors:

Investment Management Wealth & Private Banking Consumer Credit

Topics:

Consumer Protection / Conduct Reporting & Disclosure Authorisation & Licensing

Asset ManagerWealth ManagerBank

🇫🇷 AMF News medium

October 19th 2023

The AMF ensures that retail investors are properly informed on fees of financial products

Fees Savings protection Other professionals Retail investors Journalists Investment services providers The AMF ensures that retail investors are properly informed on fees of financial products

Sectors:

Investment Management Wealth & Private Banking Consumer Credit

Topics:

Consumer Protection / Conduct Reporting & Disclosure Authorisation & Licensing

Asset ManagerWealth ManagerBank

🇫🇷 AMF News

April 20th 2022

The AMF Ombudsman publishes her 2021 Annual Report

Mediation Annual report Retail investors Journalists The AMF Ombudsman publishes her 2021 Annual Report

Sectors:

Investment Management Wealth & Private Banking Consumer Credit

Topics:

Consumer Protection / Conduct Reporting & Disclosure Authorisation & Licensing

Asset ManagerWealth ManagerBank

🇫🇷 AMF News high

March 17th 2022

EBA, ESMA and EIOPA warn consumers on the risks of crypto-assets

Savings protection EBA, ESMA and EIOPA warn consumers on the risks of crypto-assets

Sectors:

Banking & Credit Crypto & Digital Assets Consumer Credit

Topics:

Consumer Protection / Conduct Prudential / Capital Requirements Authorisation & Licensing

BankCrypto ExchangeAll Firms

🇫🇷 AMF Warning high

July 7th 2021

The AMF urges retail investors to exercise extreme caution towards proposals to invest in rooms in care homes

Warning Savings protection Financial Scams Warning The AMF urges retail investors to exercise extreme caution towards proposals to invest in rooms in care homes

Sectors:

Investment Management Wealth & Private Banking Consumer Credit

Topics:

Consumer Protection / Conduct Authorisation & Licensing

Asset ManagerWealth ManagerAll Firms

🇫🇷 AMF News medium

July 2nd 2021

The AMF publishes a study on the development of the SPAC market and its challenges

Financial products Bids Shares Financial disclosures & corporate financing Markets The AMF publishes a study on the development of the SPAC market and its challenges

Sectors:

Capital Markets & Trading Consumer Credit Mortgage & Lending

Topics:

Market Abuse / Surveillance Reporting & Disclosure Authorisation & Licensing

Asset ManagerBroker DealerBank

🇮🇪 CBI Enforcement critical

October 21st 2020

Introductory statement by Governor Gabriel Makhlouf at the Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach

Good afternoon Chairman, Committee members, I am joined by Ed Sibley, Deputy Governor, Prudential Regulation and Derville Rowland, Director General, Financial Conduct. We welcome the opportunity to appear before you today. The effects of the COVID-19 pandemic have been deep and distressing for our community. The actions taken to contain the health emergency have affected the economy and all of our lives. The Central Bank’s job is to ensure the financial system operates in the best interests o...

Sectors:

Banking & Credit Insurance & Pensions Consumer Credit

Topics:

Consumer Protection / Conduct Prudential / Capital Requirements Reporting & Disclosure

BankInsuranceAll Firms

🇮🇪 CBI Consultation high

March 20th 2018

Credit Reports now available

Following a satisfactory review of the data submitted by banks and credit unions, to the Central Credit Register, the initial enquiry phase has now commenced. This means that from today borrowers and lenders can request a copy of credit reports from the Central Credit Register. Data on mortgages, personal loans, credit cards and overdrafts, which is backdated to 30 June 2017, is live on the system and is incorporated into credit reports. From 30 September 2018 it will be compulsory for credit...

Sectors:

Banking & Credit Consumer Credit Mortgage & Lending

Topics:

Reporting & Disclosure Consumer Protection / Conduct Authorisation & Licensing

BankPayment ProviderAll Firms

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