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Welcome to our weekly round-up for UK financial services regulation. Paul Staples summarises the key announcements and developments. Be sure to subscribe to receive our updates in your inbox every week.
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This week our common thread is ‘innovation', which ripples through a collection of speeches and announcements. In our opening items, we see the balancing act for innovation alongside prudential oversight, as well as its potential to act as a catalyst for financial inclusion.
Similarly, we highlight a major strategy announcement around the UK Government’s next step in delivering its National Payments Vision (NPV), which sets the course for future payments initiatives.
More widely, chief risk officers will be taking note of a recent targeted speech from the Financial Conduct Authority (FCA). And we conclude this week with a recent consultation to simplify the United Kingdom European Market Infrastructure Regulation (UK EMIR).
Regulation to enable innovation
Shoib Khan, Executive Director of Insurance Supervision at the PRA, delivered a keynote at the Insurance Innovators Summit, emphasising the need for a regulatory framework that fosters innovation while safeguarding policyholder protection. He highlighted the PRA’s commitment to proportionality and flexibility in supervision, ensuring that new technologies and business models can thrive without compromising resilience.
Key takeaways include:
Innovation and prudential standards: the PRA aims to balance innovation with robust prudential oversight
Proportional approach: smaller, tech-driven firms should not face disproportionate regulatory burdens
Collaboration: the PRA encourages dialogue with industry to shape practical rules for emerging risks
Firms are urged to engage with the PRA on innovation initiatives and upcoming consultations.
The FCA is backing the Government’s proposed National Financial Inclusion Strategy, stressing that financial resilience and inclusion are vital for economic growth. Sarah Pritchard highlighted that 14 million UK adults have less than £100 in savings, leaving many vulnerable to shocks. The FCA’s next five-year strategy will prioritise consumer resilience, innovation, and competition.
Key points include:
Open banking and fintech are transforming debt advice and enabling low-cost investment solutions
Workplace saving schemes could boost participation by 50%, while £430 billion in cash savings could be redirected to investments
The FCA is accelerating its Advice Guidance Boundary Review to improve access to affordable advice
Regulation for Buy Now Pay Later will aim to balance consumer protection with innovation.
Firms should assess whether their products meet current and future customer needs and share outcomes from innovation initiatives.
The FCA’s Payments Vision Delivery Committee has outlined a new strategy to strengthen the UK’s retail payments infrastructure. The plan focuses on resilience, innovation, and consumer protection, aiming to ensure secure, efficient, and inclusive payments systems. Key priorities include enhancing fraud prevention, supporting competition, and preparing for emerging technologies such as open banking and digital currencies.
The Government’s complementary strategy reinforces these goals, emphasising collaboration between regulators and industry to deliver a future-proof infrastructure that meets evolving consumer and business needs.
These initiatives signal significant regulatory attention on payments with implications for compliance frameworks and operational resilience across financial services. Firms should review their payment processes, assess fraud controls, and engage with consultations to shape future standards.
The FCA’s recent speech, Rebalancing risk for growth: the role of the Chief Risk Officer (CRO), highlights how CROs can enable innovation while safeguarding resilience. The regulator stresses that risk management shouldn't stifle progress; instead, it should support sustainable growth by encouraging proportionate risk taking.
Key points include:
Moving beyond compliance to shaping business decisions that balance risk and opportunity
Firms should embed risk awareness across all levels, fostering agility without compromising stability
CROs must challenge assumptions, ensure robust governance, and champion smarter risk frameworks aligned with the FCA’s growth agenda.
Firms should review their risk governance and empower CROs to influence strategic planning.
The FCA has launched CP25/30, proposing a simplified intragroup exemption regime under UK EMIR. The consultation aims to make the process clearer and less burdensome for counterparties seeking exemptions from margin and clearing obligations within corporate groups.
Key proposals include:
Reducing complexity in exemption applications
Aligning UK EMIR processes with international standards to support cross-border operations
Enhancing transparency while maintaining robust risk management.
This move reflects the FCA’s commitment to proportionate regulation and operational efficiency for firms managing intragroup transactions. Responses are invited by 5 February 2026. Firms should review the proposals and assess potential impacts on their intragroup arrangements.
The size and shape of the subprime credit sector has changed considerably over the past decade, driven by a combination of regulatory reforms, shifting consumer behaviours, and economic pressure. But these lenders are essential to providing access to credit among underserved groups and ensuring financial inclusion. Jarred Erceg looks the challenges currently faced by firms.
The UK payments sector is balancing innovation with complex regulatory demands, including operational resilience, wind-down planning and APP fraud prevention.
In this episode, David Morrey and Ben Farmer dive into latest developments on motor finance compensation claims, including the Financial Conduct Authority’s (FCA).
