MEMA Insights
Clear, practical commentary on FCA regulation, enforcement and sector change, for the people who have to act on it.
Explore by topic
Featured article · Payments & Crypto
The FCA cryptoasset gateway opened on 30 September 2026 and closes on 28 February 2027, with the regime starting on 25 October 2027. What to prepare.
10 min read
Featured article · Regulatory Change
Ten compliance priorities for 2026 drawn from the FCA's 2026/27 Business Plan and Regulatory Initiatives Grid, and what each means operationally.
14 min read
Featured article · Consumer Credit
Handling motor finance commission complaints now the FCA's pause on the eight-week deadline has ended, with the July 2026 Upper Tribunal update on PS26/3.
14 min read
Regulatory ChangeMortgage Broker Compliance: FCA Requirements and Costs
Mortgages & InsuranceFCA Consultation CP26/33: Minor Changes to General Insurance Value Measures Reporting
Regulatory ChangeSimplifying UK Transaction Reporting: What Investment Firms Need to Know Ahead of the 3 April 2028 Change
EnforcementCACEIS and WealthTek: testing the control chain behind client-asset protectionTopic hubs
Every article and the tools behind it, grouped by the questions firms ask us most.
Regulatory intelligence that keeps you ahead
FCA fines in 2026, by month
£19.8m
across 19 final notices, January to September 2026. The largest month is highlighted.
| Month | Fines | Total value |
|---|---|---|
| January | 5 | £2.5m |
| February | 1 | £238k |
| March | 2 | £13.3m |
| April | 0 | None |
| May | 1 | £755k |
| June | 0 | None |
| July | 0 | None |
| August | 5 | £1.1m |
| September | 5 | £1.9m |
Share of 2026 fine value, by breach theme
Fraud is 66% of the total
Themes are the FCA breach categories recorded against each of the year’s fines (£19.8m in all).
Upcoming FCA deadlines
6 dates to plan around, to August 2027
Articles by topic
143 articles across 10 regulatory topics
Fines: FCA final notices in the RegActions database. Deadlines: FCA publications with a deadline date, filtered to firms we advise. Articles: MEMA Insights.
Showing 1–12 of 143 articles
Learn what the FCA expects of mortgage brokers, what the £2,820 application fee covers, and which Consumer Duty and disclosure evidence the FCA reviews when it assesses an application.
The FCA’s final cryptoasset perimeter guidance clarifies which activities will need FSMA authorisation from 25 October 2027, outlines the transitional application window and sets out practical steps for firms across the crypto, payments and traditional finance sectors.
The FCA is consulting on two modest amendments to its General Insurance value‑measures rules - dropping the top‑2% claim‑pay‑out metric and the five largest distribution arrangements disclosure.
The FCA’s final rules in PS26/15 cut reporting fields, drop FX‑derivative reporting and shorten back‑reporting windows. Firms must re‑engineer reporting logic, align with the new schema and prepare governance for the flexible supervisory period that began on 3 August 2026.
The FCA censured CACEIS UK and recorded a £31.7m voluntary payment after failures to act on information that exposed WealthTek clients to financial-crime risk.
CP26/16 closed on 9 July 2026. Its proposals concern safekeeping delegation and the authorised fund registration function, not a new FCA data return.
A comparison of compliance resourcing models through accountability, capability, information access, provider oversight, continuity and exit planning.
CP26/23 proposes targeted changes to Consumer Duty scope. Mixed retail and wholesale firms should separate the live Duty from changes still under consultation.
The FCA's April 2026 survey reports around 5,500 advice firms, 31,000 advisers and widespread outsourcing. Sector averages are context, not staffing standards.
GC26/5 closed on 30 July 2026. Firms can now use the proposed CRYPTOPRU 7 guidance to test readiness while monitoring the FCA's final position.
The FCA's May 2026 findings connect sanctions exposure, screening design, data quality, alert calibration, escalation and breach reporting.
The FCA proposes a consistent value-for-money framework, with larger schemes expected to begin comparable assessments from 2028 if the proposals are finalised.
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