- Authorised Push Payment synthetic data
Report · 12 March 2025
This 2025 update from the Financial Conduct Authority (FCA) highlights a major technological leap in the fight against Authorised Push Payment (APP) fraud, which accounted for £485 million in losses…
- Stress testing for human beings
Speech · 26 September 2019
Speech delivered by Charles Randell, Chair of the Financial Conduct Authority, at the Gleneagles Pensions & Savings Symposium highlights that while traditional stress testing led by the Bank of…
- Unstable coins: cryptoassets, financial regulation and preventing financial crime in the emerging market for digital assets
Speech · 6 March 2020
In this 2020 speech, Therese Chambers, the FCA’s Director of Retail and Regulatory Investigations, addresses the unique challenges posed by cryptoassets (such as Bitcoin and Ethereum) in the context…
- FCA welcomes the Treasury’s national payment vision
News · 24 November 2024
The National Payments Vision (NPV), first welcomed by the FCA in late 2024, has moved from a strategic ambition into a structured delivery phase. As of March 2026, the focus has shifted to the…
- FCA Research into the issue of de-risking
News · 23 May 2016
The FCA’s research into de-risking—the practice of financial institutions terminating or restricting business relationships to avoid rather than manage risk—has evolved significantly since the…
- International standards and regulations
Standard or Guidance · 17 April 2016
This page outlines the UK Financial Conduct Authority’s international engagement and its role in contributing to, implementing, supervising and enforcing global regulatory standards within the UK.…
- NPPR supervisory co-operation arrangements (MoUs)
Standard or Guidance · 26 May 2016
Under the Alternative Investment Fund Managers Directive (AIFMD), supervisory cooperation arrangements—established through Memoranda of Understanding (MoUs)—are a mandatory pre-condition for certain…
- The FCA’s role in promoting innovation
Speech · 21 September 2016
Christopher Woolard’s 2016 speech marked a historic pivot for the Financial Conduct Authority. By moving beyond the "status quo," the FCA became the first regulator in the world to launch a…
- Best of British Conference
Speech · 14 November 2014
In her 2014 speech at the "Best of British" Conference, Tracey McDermott used the goldsmith bankers of the 17th century to illustrate a timeless truth: financial systems are built entirely on the…
- Competition policy in regulated markets
Speech · 29 June 2014
In 2014, Mary Starks framed the FCA’s unique competition objective as a tool to "repopulate the challenger fringe" and move beyond the stagnant, concentrated banking markets that followed the 2008…
- Innovation Hub: Market insights
News · 9 January 2023
Since 2014, the FCA Innovation Hub has supported over 867 firms through its Regulatory Sandbox and Innovation Pathways, helping start-ups, scale-ups, incumbents, and international firms test…
- Financial Inclusion TechSprint
Report · 7 October 2024
This final article describes the Financial Inclusion TechSprint, a collaborative initiative launched in 2024 by the FCA and FinTech Scotland. Unlike previous regulatory efforts focused on systemic…
- Prudential Regulation Authority and Financial Conduct Authority consult on proposals to improve responsibility and accountability in the banking sector
News · 29 July 2014
This 2014 press release marks a watershed moment in UK financial regulation, as the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA) jointly proposed a rigorous new…
- We support Financial Action Taskforce work on de-risking drivers
News · 30 June 2015
In July 2015, the Financial Conduct Authority (FCA) issued a statement supporting the Financial Action Task Force (FATF) in its ongoing efforts to address the complex drivers of de-risking. This…
- Joint Regulatory Oversight Committee highlights 2023 progress and sets out future UK open banking plans
News · 18 December 2023
The provided texts trace the strategic transformation of the UK’s financial regulatory landscape, moving from the lessons of the 2008 banking crisis to the pioneering of a world-class Open Banking…
- UK Securities Financing Transactions Regulation (UK SFTR)
Standard or Guidance · 11 March 2020
The UK Securities Financing Transactions Regulation (UK SFTR) is a regulatory framework designed to increase transparency and monitor systemic risks within the securities financing markets.…
- FCA publishes terms of reference for its investment and corporate banking market study
News · 21 May 2015
In 2015, the FCA launched its first-ever competition market study into the investment and corporate banking sector. This move was a significant step in the regulator's mandate to ensure wholesale…
- Joint Regulatory Oversight Committee sets out recommendations for the next phase of open banking in the UK
News · 16 April 2023
In this news report, the Joint Regulatory Oversight Committee (JROC), co-chaired by the FCA and the Payment Systems Regulator (PSR), outlines a strategic roadmap for the "next phase" of open banking…
- FCA response to European Banking Authority’s Opinion on Strong Customer Authentication
News · 27 June 2019
In June 2019, the Financial Conduct Authority (FCA) issued a formal response to the European Banking Authority’s (EBA) opinion regarding Strong Customer Authentication (SCA) under the revised Payment…
- FCA publishes final rules to make those in the banking sector more accountable
News · 6 July 2015
In July 2015, the FCA and PRA published final rules establishing the Senior Managers and Certification Regime (SM&CR), a landmark regulatory framework designed to restore trust in the banking sector…
- Financial Conduct Authority publishes preliminary findings of review into mobile banking
News · 26 August 2013
In this 2013 press release, the Financial Conduct Authority (FCA) shares preliminary findings from its early review into the burgeoning sector of mobile banking. Recognizing that the rapid adoption…
- The future of open banking and the Joint Regulatory Oversight Committee
Concept note · 20 June 2022
This comprehensive overview details the strategic evolution of UK open banking under the guidance of the Joint Regulatory Oversight Committee (JROC). Established in 2022 and co-chaired by the FCA and…
- FCA shares feedback on the new standard setting body for open banking
News · 7 August 2025
This 2025 news story marks a pivotal transition in the UK’s financial infrastructure, as the Financial Conduct Authority (FCA) provides feedback on the establishment of the "Future Entity." Replacing…
- FCA announces changes to open banking identification requirements
News · 3 November 2020
In this 2020 statement, the Financial Conduct Authority (FCA) outlines critical regulatory adjustments designed to prevent the disruption of open banking services following Brexit. At the heart of…
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