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FCA publishes discussion paper on transforming culture in financial services
The Financial Conduct Authority (FCA) has today published a discussion paper on transforming culture in financial services which presents views from academics and industry thought leaders. The paper is intended to provide a basis for stimulating -
Consumer credit — high-cost short-term credit lending data
This page highlights insightful findings about the high-cost short-term credit market, drawing on both the new regulatory return data submitted to the FCA by consumer credit firms and the FCA's Financial Lives Survey 2017. -
Occasional Paper No. 59: Sitting on a gold mine: Getting what’s owed to pawnbroking customers
In 2018, the FCA found that pawnbroking customers are not always collecting the ‘surplus’ money owed to them. In this paper, we share the results of a first intervention designed to address this. -
FCA and PSR Boards appoint new members to decision-making committees
During his career, he has advised over 150 operators and regulators on matters such as competition, regulatory pricing, cost modelling and customer engagement. -
The importance of culture in driving behaviours of firms and how the FCA will assess this
Speech by Clive Adamson, Director of Supervision, the FCA, at the CFA Society - UK Professionalism Conference, London. This is the text of the speech as drafted, which may differ from the delivered version. -
Improving the Appointed Representatives regime through greater use of data
This publication includes data from the FCA's 2021 and 2022 data requests sent to principal firms and authorisation information collected from firms. It also outlines how the FCA is improving the Appointed Representatives’ Regime (AR) regime and -
FCA reminds insurance firms to review the value of their products in light of the impacts of coronavirus
On 3 June 2020, we published guidance setting out our expectations for insurers and insurance intermediaries to consider the value of their products in light of the exceptional circumstances arising from the coronavirus (Covid-19). -
TR15/9: Embedding the Mortgage Market Review: Advice and Distribution
Some firms were engaging customers in focused, relevant, discussions leading to suitable recommendations with good rationale. ... Both approaches resulted in unintended consequences which impacted on the customer experience or the suitability of -
Insurance firms still failing to meet FCA general insurance renewal rules
The Financial Conduct Authority (FCA) has warned it will take action against general insurance firms who are failing to properly implement rules introduced to increase transparency and encourage shopping around at renewal time. -
FCA review reveals shortcomings in the provision of premium finance for general insurance
The FCA also found:. An adequate explanation of a proposed credit agreement was not always provided sufficiently early in the customer journey to enable customers to make informed decisions. ... Thematic Review 15/5: Provision of premium finance to