Crypto & Digital Assets Regulations in United Kingdom

🇬🇧 BoE Speech high

January 29th 2026

The sky’s the limit: shaping the UK’s digital financial future - speech by Sasha Mills

Given at The Tokenisation Summit

Sectors:

Topics:

Prudential / Capital Requirements Technology & Cyber Authorisation & Licensing

BankFintechCrypto Exchange

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🇬🇧 FCA Policy high

January 28th 2026

OFSI and partners clamp down on the abuse of cryptoassets

We’re working closely with the Office of Financial Sanctions Implementation (OFSI), UK law enforcement, and our regulatory partners to tackle the abuse of cryptoassets and associated money‑laundering activities. Read the full blog on the OFSI’s website.

Sectors:

Payments & E-Money Crypto & Digital Assets Banking & Credit

Topics:

AML / Financial Crime Authorisation & Licensing Technology & Cyber

Crypto ExchangeFintechPayment Provider

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🇬🇧 FCA Guidance high

January 24th 2026

CP25/15: A prudential regime for cryptoasset firms

Consultation papers

AI Analysis

CP25/15 proposes prudential rules and guidance for UK firms issuing **qualifying stablecoins** and safeguarding **qualifying cryptoassets**, aiming to foster a safe, competitive crypto sector while prioritizing consumer protection and market integrity. This matters for compliance professionals as it introduces tailored prudential sourcebooks (COREPRU and CRYPTOPRU) to mitigate firm failure risks, aligning with the FCA's crypto roadmap and Treasury's statutory plans. #

Sectors:

Payments & E-Money Crypto & Digital Assets Banking & Credit

Topics:

Prudential / Capital Requirements Authorisation & Licensing Consumer Protection / Conduct

FintechCrypto ExchangePayment Provider

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🇬🇧 FCA News high

January 23rd 2026

FCA seeks feedback on further rules for cryptoasset firms

We are seeking views on further rules for cryptoasset firms as the final step in our consultations on our crypto rules. We have made significant progress in delivering our crypto roadmap and are helping firms to meet our standards and get ready for when the gateway opens in September 2026.We have set out our proposals on how the Consumer Duty, conduct standards, redress and safeguarding will apply to cryptoasset firms. We are also seeking feedback on our proposed approach to international cry...

Sectors:

Crypto & Digital Assets

Topics:

Consumer Protection / Conduct Authorisation & Licensing Reporting & Disclosure

Crypto ExchangeFintech

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🇬🇧 FCA News medium

December 16th 2025

FCA seeks feedback on proposals for UK crypto rules

We are asking for views on new proposals as the next step in shaping the UK’s crypto rules. These proposals continue our progress towards an open, sustainable and competitive crypto market that people can trust. We want a market where innovation can thrive, but where people understand the risks. Regulation cannot – and should not – remove all risk. Instead, it should make sure anyone investing in crypto does so with their eyes open.Our proposals apply a similar approach to crypto as we do in ...

Sectors:

Crypto & Digital Assets

Topics:

Authorisation & Licensing Consumer Protection / Conduct

Crypto ExchangeFintech

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🇬🇧 PRA Consultation high

November 21st 2025

CP23/25 – Regulatory fees and levies: policy proposals for 2026/27 – Joint PRA and FCA consultation

Consultation paper 23/25

AI Analysis

This joint PRA-FCA consultation (CP23/25 from PRA and Chapter 4 of FCA's CP25/33) proposes policy updates to regulatory fees, levies, and invoice processes for 2026/27, including new fee blocks for emerging activities like PISCES operators and targeted support, alongside adjustments to FOS/FSCS levies and payment timelines. It matters for compliance teams as it directly impacts budgeting, fee calculations, and cash flow management for fee-payers, with potential cost increases and procedural changes effective from April 2026. #

What Changed

New fee structures: Introduction of a periodic fee block for PISCES operators based on regulated income (baseline £2,200 annual fee, variable above £500,000 threshold); extension of fee-block A.13 to include "targeted support" activities (Category 2 variation fee for existing firms, Category 4 for new entrants); registration fees for Deferred Payment Credit (DPC/buy-now-pay-later) activities aligned with Temporary Permissions Regime, added to FOS consumer credit fee-block but excluded from FSCS.

What You Need To Do

Review current fee/levy exposure and model impacts of new blocks (e
Assess invoice processes if paying £50,000+ in FCA/PRA fees; prepare for aligned due dates
Submit consultation responses by deadlines, focusing on targeted support by 9 January 2026
Budget for potential fee increases; monitor Spring 2026 fee-rates CP
For applicants

Key Dates

9 January 2026 - Deadline for comments on targeted support proposals (FCA CP25/33 paras 2.11-2.18, questions 3-7). DEADLINE

16 January 2026 - Consultation close for all other proposals, including PRA-FCA joint changes; responses to cp25-33@fca.org.uk.

February 2026 - FCA publishes feedback and rules on targeted support in Handbook Notice.

March 2026 - FCA publishes feedback and rules on all other proposals (including Chapter 4) in Handbook Notice; Spring fee-rates consultation.

April 2026 - PRA publishes feedback and rules on Chapter 4; changes effective for 2026/27 fee year (April-March).

Compliance Impact

Urgency: High – Firms must act imminently on consultation responses (deadlines passed as of today, but feedback analysis pending March/April 2026 rules) to influence outcomes; changes affect 2026/27 budgets starting April, with cash flow risks from invoice timing and new fees for emerging activities

References

Sectors:

Banking & Credit Payments & E-Money Crypto & Digital Assets

Topics:

Authorisation & Licensing Reporting & Disclosure Senior Managers / Governance

BankFintechPayment Provider

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🇬🇧 BoE News high

November 12th 2025

Minutes of the CBDC Engagement Forum - February 2025

Meeting of the CBDC Engagement Forum

Sectors:

Banking & Credit Payments & E-Money Crypto & Digital Assets

Topics:

Prudential / Capital Requirements Technology & Cyber Authorisation & Licensing

BankFintechCrypto Exchange

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🇬🇧 BoE Consultation high

November 10th 2025

Bank of England launches consultation on regulating systemic stablecoins

The Bank of England (the Bank) has today published a consultation paper (CP) setting out its proposed regulatory regime for sterling-denominated systemic stablecoins.

AI Analysis

The Bank of England has published a consultation paper (issued November 10, 2025) proposing a comprehensive regulatory regime for **sterling-denominated systemic stablecoins**, establishing requirements for backing assets, capital, redemption procedures, and operational safeguards. This represents a pivotal step toward implementing the UK's stablecoin framework, with the regime designed to maintain financial stability while enabling viable business models for systemic stablecoin issuers.