Authorised fund managers can now use distributed ledger technology as the official register of investor ownership. This sounds technical, but the practical implication is large.
Recently, the FCA announced that it had censured Sapia Partners LLP, who were responsible for protecting client money for the clients of its appointed representative firm, WealthTek Limited from 2017 to 2020.
If you're an appointed representative (AR) or a principal firm hosting ARs, you'll want to pay attention to HM Treasury's consultation published on 12 February 2026. The proposals set out targeted reforms to strengthen consumer protection while preserving the AR model's flexibility — but they'll change how the regime operates for everyone involved.
Securing the right regulatory permissions is crucial for your business's credibility and future growth.
Applying for permissions you don't need or failing to explain how the permissions align with your business model, will immediately raise red flags.
It's one of the most common stumbling blocks in the authorisation process, and one of the most avoidable.
The consumer credit market is evolving rapidly. From digital-first lenders and AI-driven underwriting to buy-now-pay-later (BNPL) products and open banking-enabled affordability checks, innovation is reshaping how consumers access credit—and how firms assess, manage, and recover lending.
8 December 2025, the FCA published Consultation Paper CP25/36, setting out one of the biggest shake ups to client categorisation we have seen in years. The regulator wants to strengthen consumer protection and give wholesale firms a clearer and more practical way to decide when a client can be treated as an elective professional.
Consumer credit firms operate in one of the most heavily regulated corners of financial services—and for good reason. The products you offer can have a profound impact on customers' financial wellbeing, and the FCA's supervisory approach reflects that reality.
The payment services sector continues to grow, supported by the government’s broader economic growth and innovation strategy. Ministers have been clear: payments, fintech and digital finance are central to the UK’s competitiveness — and reducing unnecessary regulatory burden is a strategic priority.
Rising living costs are placing unprecedented pressure on UK households. From soaring grocery bills to
climbing energy prices, consumers are feeling the squeeze—and for many, this means struggling to keep up with existing credit commitments.
Think Operational Resilience is just for Banks? If you are a Payments Service Provider, think again!
The FCA is turning its focus to PSPs, and they’re ready to test how well your resilience framework really works.
SM&CR is to be restructured and refined. Easing the burden is the FCA's aim, but what will they mean for your firm? Get practical insights for your firm's compliance and HR strategy from the compliance consultants at Adempi.
A significant overhaul of the safeguarding requirements for Authorised Payment Institutions (APIs) and Electronic Money Institutions (EMIs) is on the horizon.
The FCA is taking charge of non-financial misconduct by extending bullying & harassment prohibition to non-banking firms. This extension should be helpful for the industry, removing previous uncertainty about how to deal with employee disciplinaries and grievances from a regulatory perspective.
To support firms's ability to hire talent, aspects of SM&CR are set to be removed and refined. It will be a welcome development by the industry, while the FCA aims to still preserve the core benefits of the regime.
The Financial Conduct Authority (FCA) has launched a new platform that enables the trading of private company shares. PISCES (Private Intermittent Securities and Capital Exchange System) is designed to transform the way private company shares are traded by making it easier and quicker for buyers, businesses and sellers to connect. As companies choose to stay private for longer, PISCES aims to meet the growing need for an effective and organised private marketplace. PISCES Ope
