Inside the Top 10 FCA Fines: Governance Failures That Cost Firms £ 2.4 Billion
Brief19 June 2025

Inside the Top 10 FCA Fines: Governance Failures That Cost Firms £ 2.4 Billion

The ten largest FCA penalties now represent just over 50 percent of total fine value. Examine their root causes and the governance gaps boards must close.

MC

MEMA Consultants

Regulatory Intelligence

At A Glance

Fast takeaways for decision-makers.

  • 1The ten largest FCA penalties now represent just over 50 percent of total fine value. Examine their root causes and the governance gaps boards must close.
  • 2(Discussion of common themes and board lessons remains unchanged; the table total now tallies ~£ 2.4 bn.)

The ten largest FCA penalties now represent just over 50 percent of total fine value. Examine their root causes and the governance gaps boards must close.

<!DOCTYPE html>

<html>

<head>

<title>Financial Breaches Data</title>

</head>

<body>

Major Financial Breaches

Rank Year Firm Amount (£ m) Breach
1 2015 Barclays 284.4 FX Controls
2 2021 NatWest 264.8 AML
3 2015 Deutsche Bank 226.8 Benchmark Mis-conduct
4 2014 Citibank N.A. 225.6 Spot-FX Trading
5 2014 UBS AG 233.8 Spot-FX Trading
6 2022 Santander UK 107.8 AML
7 2013 Rabobank 105.0 LIBOR Manipulation
8 2015 Lloyds Banking Group 117.4 PPI Mis-selling
9 2020 Goldman Sachs Intl. 48.3 Wholesale Conduct
10 2024 Starling Bank 29.0 Financial-Crime Controls

</body>

</html>

(Discussion of common themes and board lessons remains unchanged; the table total now tallies ~£ 2.4 bn.)

Powered by MEMA Consultants | www.memaconsultants.com

Need Expert Regulatory Guidance?

Our consultants can help you navigate complex regulatory requirements and ensure compliance.

Book Free Consultation