Consumer Duty in 2026: Can You Prove It’s Working?
Consumer Duty came into force in July 2023. Most firms spent the months before that deadline building implementation plans, updating policies, revising communications, and appointing a Consumer Duty Champion. That work was necessary. But it was only the beginning. The FCA’s supervisory focus has shifted. It is no longer asking whether firms implemented Consumer […]
The 5 Things the FCA Found Wrong With Crypto Promotions
When the FCA set out to assess how firms were responding to the crypto financial promotions regime, it wasn’t looking for edge cases or obscure technical failures. What it found were the same problems, at firm after firm, across the same five areas. None of them are surprising. Most of them stem not […]
FCA Crypto Authorisation: Beyond AML Registration
The FCA’s Money Laundering Regulations registration has one focus: whether a firm has adequate controls to prevent financial crime. It is a threshold test, not a comprehensive review. Authorisation is different in kind, not just in degree. The FCA will assess five things it has never previously assessed for most crypto firms. Business […]
The FCA’s Crypto Authorisation Window Opens in September. Here Is What That Means for Your Firm.
Some crypto firms are treating September as a distant deadline. It isn’t. The FCA’s authorisation application window opens on 30 September 2026 – that is less than four months away and the firms that are not prepared by then face consequences that go well beyond a compliance gap. This is not an extension of the […]
Financial Promotions for Crypto
The Rules That Are Already Being Enforced Some firms are still treating crypto financial promotions as a regulatory work in progress. It isn’t. The rules have been in force since October 2023, the FCA has been enforcing them, and the pace of intervention is increasing. If your marketing hasn’t been reviewed against the regime, that […]