From 1 October 2026, the Financial Ombudsman Service (FOS) can dismiss complaints on a restructured set of grounds, including where a firm has already reviewed the matter under regulatory standards or where another body is dealing with it. A clarification of the fair and reasonable test in DISP 3.6.4R takes effect on the same date, but "good industry practice" stays for now, and a new registration stage is deferred to April 2027 at the earliest. These decisions are set out in

On 14 July 2026 the Financial Conduct Authority (FCA) published CP26/29: A tailored regime for captive insurance, proposing a bespoke conduct framework for single-parent captive insurers in the United Kingdom. These are proposals, not final rules. The consultation closes on Wednesday 14 October 2026 and the FCA expects implementation in mid-2027, once both regulators have published their final rules and policies. The paper was published alongside the Prudential Regulation Aut