| FCA sets out proposals to make ESG ratings more transparent (12/1/2025) |
FCA aims to increase trust in ESG ratings by introducing a voluntary code of conduct and clearer regulatory oversight frameworks.
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- Review ESG data sources.
- Assess rating provider relationships.
- Update sustainability disclosures.
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| FCA censures Institute of Certified Bookkeepers (12/2/2025) |
Highlights weaknesses in industry AML supervision, emphasizing the need for professional body supervisors to maintain robust oversight.
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- Review AML supervision gaps.
- Test staff training levels.
- Strengthen monitoring controls.
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| Pause on motor finance complaints (12/3/2025) |
Firms must prepare for a restart of motor finance complaints handling as the pause extension provides time for the outcome of the Court of Appeal decision.
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- Review complaint backlogs.
- Update consumer communication plans.
- Prepare operational capacity.
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| FCA helps firms to test AI safely (12/3/2025) |
FCA will support firms in safe AI experimentation through the Digital Sandbox and Innovation Pathways to foster responsible innovation.
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- Review AI risk frameworks.
- Identify AI models needing testing.
- Engage with FCA pilot opportunities.
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| FCA simplifies complaints reporting (12/3/2025) |
New reporting changes reduce burden and streamline data collection, requiring firms to adapt their regulatory return processes.
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- Update reporting procedures.
- Train staff on new process.
- Test system changes.
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| Establishing a bond consolidated tape (12/3/2025) |
FCA moves forward with bond consolidated tape provider plans to improve market data transparency and competitiveness in fixed income.
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- Prepare for bond tape changes.
- Assess data needs.
- Engage in consultations.
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| ESE Capital Limited FRN 469499 – firm enters liquidation (12/3/2025) |
Highlights governance and financial stability risks, serving as a warning on capital adequacy and orderly wind-down planning.
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- Review counterparty exposure.
- Communicate with impacted clients.
- Check risk oversight gaps.
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| FCA consults on reducing late fees (12/5/2025) |
FCA proposes lower late fees to reduce administrative burdens on smaller firms while maintaining incentives for timely reporting.
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- Review regulatory return submission timelines.
- Assess impact of reduced late fees.
- Update internal compliance calendars.
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| FCA sets out landmark package to boost UK investment culture (12/8/2025) |
FCA launches reforms aimed at improving the attractiveness of UK markets, focusing on listing rules and investor engagement.
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- Review product alignment with investment reforms.
- Brief senior leadership on package details.
- Assess consumer communications.
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| Hearing date – FCA's application to distribute investor fund (12/8/2025) |
Court process progresses for distribution of recovered funds to investors, a key step in concluding long-running enforcement cases.
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- Monitor hearing outcomes.
- Review investor communications.
- Check exposure to related cases.
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| FCA simplifies insurance rules and plans further reviews (12/9/2025) |
Simplification aims to reduce complexity in the insurance rulebook, potentially lowering compliance costs while maintaining protection.
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- Review updated insurance requirements.
- Identify compliance simplifications.
- Prepare for future rule reviews.
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| Sophie Hutcherson reappointed as Non-Executive Director to FCA Board (12/9/2025) |
Board continuity supports regulatory stability and consistent strategic direction for the FCA's long-term transformation plans.
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- Note governance continuity.
- Monitor board priorities.
- Update regulatory horizon scanning.
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| FCA launches Firm Checker to fight financial crime (12/10/2025) |
New tool supports firms and consumers in verifying the legitimacy of financial entities, strengthening defenses against scams.
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- Integrate Firm Checker into onboarding.
- Update financial crime procedures.
- Train staff on tool usage.
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| Stablecoin payments a priority for 2026 (12/10/2025) |
FCA confirms stablecoins as a core payments priority, signaling upcoming detailed rulemaking for digital assets in payments.
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- Review stablecoin exposure.
- Assess payments strategy.
- Update digital asset governance.
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| Motor insurance pricing and local areas (12/10/2025) |
FCA analysis raises fairness and data risks regarding how location data impacts motor insurance pricing, hinting at future scrutiny.
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- Review pricing model inputs.
- Assess fairness risks.
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| FCA confirms final guidance to tackle non-financial misconduct (12/12/2025) |
New guidance reinforces the FCA's commitment to improving culture by addressing non-financial misconduct.
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- Review internal policies on non-financial misconduct.
- Ensure staff training and awareness.
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| FCA sets out plans to help build mortgage market of future (12/15/2025) |
FCA outlines strategies for increasing access and innovation in the mortgage market.
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- Align product offerings with FCA’s future mortgage market expectations.
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| Using our full toolkit to help consumers (12/15/2025) |
FCA outlines its toolkit for empowering consumers and ensuring fair treatment.
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- Review how your firm aligns with FCA consumer protection priorities.
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| Closure of investigation into Mirabella Advisers LLP (12/15/2025) |
FCA closes investigation after assessing evidence, signaling the conclusion of this specific enforcement action.
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- Review any similar exposure to firms under investigation.
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| FCA announces new members of its Sustainable Finance Advisory Committee (12/15/2025) |
New committee members to advise on sustainable finance, indicating continued focus on ESG strategy.
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- Stay informed on committee outputs.
- Align sustainable finance strategies.
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| FCA seeks feedback on proposals for UK crypto rules (12/16/2025) |
FCA seeks industry feedback to shape comprehensive crypto regulation in the UK.
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- Participate in consultations on crypto rules.
- Review internal crypto strategies.
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| Bespoke market risk rules could unlock growth (12/16/2025) |
New tailored market risk rules are expected to support growth and competitiveness.
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- Review bespoke market risk rules for your firm’s exposure.
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| Open banking: a year of progress (12/16/2025) |
FCA highlights progress and improvements in open banking, setting the stage for future developments.
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- Review your firm’s involvement in Open Banking.
- Assess future opportunities.
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| FCA welcomes reform to the UK Benchmarks Regulation (12/17/2025) |
FCA supports reforms that aim to improve benchmark regulation and market integrity.
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- Update your firm’s benchmarks and pricing models in line with reforms.
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| FCA expands insurance work in response to super-complaint (12/18/2025) |
FCA extends its insurance work to address issues raised in the super-complaint regarding value and service.
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- Review your firm’s insurance product offerings.
- Ensure compliance with new expectations.
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| Investigation into WH Smith PLC (12/19/2025) |
FCA investigation highlights scrutiny of large firms, emphasizing governance and control standards.
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- Monitor investigation developments.
- Review governance and control frameworks.
- Reassess disclosure and escalation procedures.
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| Greater flexibility to be given for setting future contactless limits (12/19/2025) |
FCA plans to give firms more flexibility on contactless limits to balance convenience and fraud prevention.
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- Review contactless payment policies.
- Assess fraud risk implications.
- Update customer communication plans.
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| FCA stops Verus Financial Services (12/19/2025) |
FCA intervention shows strong action against firms failing to meet regulatory standards.
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- Review exposure to affected firms.
- Strengthen third party due diligence.
- Confirm escalation and monitoring processes.
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| Beware of unregulated holiday park investment schemes (12/22/2025) |
FCA warning highlights rising consumer losses in unregulated investment schemes, urging caution.
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- Review financial promotion controls.
- Train staff on high risk investment scams.
- Update consumer warning materials.
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| Michael Pettifer Insurance Brokers (12/23/2025) |
Liquidation highlights ongoing resilience challenges in the insurance intermediary sector.
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- Check counterparty exposure.
- Communicate with impacted clients.
- Review broker oversight arrangements.
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