Expert Analysis • Updated Daily
FCA News & Analysis
Beyond the headlines: Impact analysis, sector insights, and actionable intelligence from ex-FCA regulators. Monitor consultations, enforcement, and policy changes affecting your firm.
Intelligence Coverage
- • Impact assessment for every FCA publication
- • Sector-specific analysis and deadlines tracking
- • Consultation summaries with response guidance
- • Enforcement action insights and trends
FCA news & analysis
565 FCA publications, newest first, 16 of them priority (score 90+). Our own commentary is in Our analysis Showing 401–411 of 411.
- News & SpeechesInvestigation into Moneda Capital GroupWe have opened an investigation into the Moneda Capital Group and a number of people associated with its companies. The group includes:Moneda Capital PLCMoneda Capital Asset Management LtdMCAM LtdVSD Capital LtdAnyone who has invested with these firms, and has not previously contacted us, should call our helpline and explain you are calling about Moneda Capital.15 October 2025
- News & SpeechesPremier Insurance Company Limited enters administrationOn 14 October 2025, the Gibraltar Financial Services Commission (GFSC) announced that Premier Insurance Company Limited (Premier Insurance) had entered administration. To avoid future potential claims not being fully covered, customers of the firm should consider securing alternative motor insurance as soon as possible.Read the GFSC announcement.Premier Insurance is an insurer authorised and regulated by the GFSC. It operated in the UK on a freedom-of-services basis which means some UK customers hold policies with the firm. Policies were sold in the UK through various insurance brokers via the firm’s UK-based intermediary, Premier Underwriting Ltd.On 14 October 2025, the company was placed into administration, following an application to the Supreme Court of Gibraltar.Freddie White and Bradley Chadwick of Grant Thornton have been appointed as joint administrators for the company.The company, which predominantly wrote car and motorcycle insurance policies for UK customers, stopped writing new insurance in January 2025.All customers continue to...PaymentsInsurance15 October 2025
- News & SpeechesRed tape slashed by 70% under new capital rules The FCA is streamlining the rules on regulatory capital, also known as own funds, for investment firms. These rules make sure investment firms can absorb losses and maintain financial resilience during periods of stress.This move is set to help reduce regulatory burden and make it easier for firms to comply with the rules around regulatory capital. The rules do not change how much capital firms must hold.The FCA has removed outdated banking provisions and reduced the volume of legal text by 70% from approximately 44,100 to 13,200 words. These changes will better help firms understand their obligations and focus more resources on their core business, rather than navigating complex capital definitions. The changes take effect on 1 April 2026.The FCA is grateful for the positive support and engagement from industry to its consultation on the changes.The reforms align with the government's regulatory reform agenda, including the Edinburgh and Leeds Reforms...InvestmentBanking15 October 2025
- News & SpeechesFCA secures US$101m redress for BlueCrest investorsThe FCA has secured US$101m in redress to UK and other non-US investors in a fund sub-managed by BlueCrest Capital Management (UK) LLP (BlueCrest) and imposed a public censure. Between October 2011 and December 2015, BlueCrest failed to manage fairly a conflict of interest created by its role in managing both an investment fund exclusively for the benefit of its partners and employees and a flagship fund available to external investors.BlueCrest’s management approved UK-based traders being moved from the external fund to work on the internal fund, in which they were personally invested and where they stood to benefit personally from those decisions. Disclosures to investors were insufficient and, at times, misleading. Investors were not told that a significant number of traders were moved to work on the internal fund. This affected investors’ ability to make informed decisions.The firm’s failure to manage fairly the conflict led to a sub-standard service...Consumer Credit14 October 2025
- News & SpeechesFCA supports tokenisation to boost efficiency and innovation in asset managementThe FCA has set out plans to support tokenisation, to drive innovation and growth in asset management. The plans include guidance to provide firms with additional clarity to aid adoption of this new technology.The UK is a leading asset management hub, with around 2,600 firms managing £14 trillion of assets for UK and global clients. The FCA is committed to supporting innovation to help the sector continue to grow, as set out in its strategy.As the way people invest changes in the future, tokenisation – digital representation of assets on distributed ledger technology – can help asset managers to innovate and stay competitive. Tokenised products could drive competition and increase choice for consumers – and open up new ways to distribute funds, including to those new to investing.Tokenisation also has the potential to broaden access to private markets and infrastructure investment and ultimately help consumers access more cost-effective and personalised...Consumer Credit14 October 2025
- News & SpeechesFCA announces partnership to accelerate delivery of open financeWe've been working with the industry to deliver open finance, which will give people control over how they manage their money and plan their finances for the future. In our letter to the PM in January, we committed to completing a variety of work to help accelerate digital innovation. This included using our powers to develop open finance, potentially prioritising small and medium-sized enterprise (SME) lending.To support this work, ahead of launching the open finance roadmap and strategy, we are announcing a major new partnership and launching 2 TechSprints.Smart Data AcceleratorWe asked KPMG and Europe Economics to carry out pieces of work on the benefits open banking and open finance could bring for consumers and the financial services sector.Open banking has laid important groundwork to make everyday banking and payments more diverse and accessible. Open finance has the potential to extend this to more financial services products and services.The report...PaymentsConsumer CreditInsurance13 October 2025
- News & SpeechesT+1 Settlement: time is ticking – why firms should act now Why T+1 mattersThe UK’s transition to a T+1 settlement cycle on 11 October 2027 will mark a fundamental shift in how financial transactions are settled.Under T+1, certain trades must be settled just 1 business day after execution. The change is designed to improve market efficiency, reduce risk and align the UK with global settlement standards.While the initiative is market led, we’ll play our part in making sure firms and trading venues are prepared. We’ve engaged with a range of market participants – including buy-side and sell-side firms, financial market infrastructures, and trade associations – to understand how preparations are progressing and where challenges remain.T+1 will reduce the time you have to process your transactions by around 80%.Planning early will be crucial. Many of the key deadlines to put recommendations from the Accelerated Settlement Taskforce (AST) into action are in 2026.10 October 2025
- News & Speeches14m unfair motor loans due compensation under FCA-proposed schemePayouts on an expected 14m unfair motor finance agreements could start next year, under an industry-wide compensation scheme proposed by the FCA. The FCA estimates people would receive around £700 per agreement, on average. Based on the number of consumers the FCA estimates could take part in the scheme, lenders could pay out £8.2 billion in compensation.Motor finance companies broke laws and regulations in force at the time by failing to disclose important information. This led to unfairness, with consumers denied the chance to negotiate or find a better deal and, in some instances, paying more for their loan. A compensation scheme is the best, most efficient way of getting compensation to those owed it and would make it simpler for those who would otherwise struggle to claim. Research commissioned by the FCA shows almost half of those aware of possible compensation, but who had not yet made a claim,...Consumer Credit7 October 2025
- News & SpeechesFCA consults on motor finance compensation schemeWe are consulting on an industry-wide scheme to compensate motor finance customers who were treated unfairly between 2007 and 2024. A compensation scheme is the best way to ensure consumers who have lost out receive fair compensation in an orderly, consistent, quick, and efficient way, while ensuring a well-functioning and competitive motor finance market.An alternative to a compensation scheme would require consumers to complain to firms, then to the Financial Ombudsman Service if dissatisfied with the firm’s response, or through the courts. This would result in significantly higher administrative and legal costs for firms and consumers, lengthy delays and uncertain outcomes for all involved.Why are we proposing a scheme?Many firms broke laws and regulations in force at the time by failing to disclose important information. Our extensive review, covering data from 32m agreements, found widespread failures to adequately disclose the existence and nature of commission and contractual ties between lenders...7 October 2025
Show 2 more on this page
- News & SpeechesCurrency Matters Limited enters special administrationOn 6 October 2025, Currency Matters Limited entered special administration under the Payment and Electronic Money Institution Insolvency Regulations 2021. Frank Ofonagoro and Allister Manson of Opus Business Advisory Group were appointed as joint special administrators. Currency Matters is authorised by the FCA to provide payment services to corporate and retail clients.On 1 September 2025, we imposed restrictions on Currency Matters on undertaking certain activities.We had imposed restrictions on undertaking certain activities on Currency Matters, and on 24 October 2025 we published the First Supervisory Notice (FSN) served on the firm. The notice explains the reasons we took action to restrict its business, and a full description of the restrictions can be found on the Financial Services Register.The directors of Currency Matters concluded that the firm was insolvent and applied to court for a special administration order. The special administrators are responsible for managing customer claims against the firm and...PaymentsConsumer Credit7 October 2025
- SpeechSpeech by FCA Director: The future of digital financial services regulationAn FCA Executive Director has delivered a speech outlining the regulator's approach to emerging digital financial services, including cryptoassets, AI in financial advice, and open banking. The speech signals increased focus on technology governance and algorithmic accountability. While not containing specific rule changes, the speech provides insight into future regulatory priorities. Fintech firms and innovators should note the FCA's emphasis on consumer protection in digital channels and expectations for responsible innovation.PaymentsInvestmentBanking6 January 2025