The Financial Conduct Authority (FCA) has not introduced new climate rules for insurers or mortgage lenders. Its climate adaptation and resilience page, published on 4 August 2026, instead explains how physical climate risks such as flooding may affect access to property insurance and mortgages, and indicates that those risks may be relevant to obligations firms already have, such as delivering fair value and good customer outcomes under the Consumer Duty. The page is aimed p

On 17 September 2026 the Financial Conduct Authority (FCA) published its findings on how payments firms support consumers in vulnerable circumstances under the Consumer Duty. The publication creates no new rules and sets no deadline, but it is clear about what the FCA expects to see: firms that understand the scale and nature of vulnerability in their own customer base, can show that their policies work in practice, and give their boards enough information to oversee outcomes

The Financial Conduct Authority (FCA) has concluded that the general insurance value measures rules are broadly working as intended, but that inconsistent reporting is limiting the usefulness of the data. In Consultation Paper CP26/33, published in September 2026, it proposes removing two data fields from the annual value measures return and signals wider changes to definitions and reporting, on which it expects to consult in the first half of 2027. Comments on the current pr

On 10 August 2026 the Financial Conduct Authority (FCA) published High-growth firms: good and poor practice, setting out what it found when it engaged with 15 rapidly growing firms between July 2025 and March 2026. The publication introduces no new rules and carries no deadline. It is a statement of supervisory expectation: where governance, risk management and control frameworks have not kept pace with commercial growth, the FCA treats that gap as a source of harm and expect

On 6 July 2026 the Financial Conduct Authority (FCA) published the Mills Review, an independent review of how artificial intelligence could reshape retail financial services by 2030 and beyond. The Review creates no new obligations. It makes seven recommendations to the FCA Board, and its central conclusion is that the existing framework, including the Consumer Duty, the Senior Managers Regime and operational resilience requirements, remains sound and will not be replaced by

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

On 27 July 2026, the Financial Conduct Authority (FCA) published Outcomes monitoring: good practice and areas for improvement, a review of how firms monitor consumer outcomes under the Consumer Duty. It introduces no new rules, no deadlines and no transitional arrangements. Its central message is that collecting data, listing metrics and reporting management information (MI) do not, by themselves, show that customers are receiving good outcomes. The FCA expects a firm to be a

On 2 July 2026, the Financial Conduct Authority (FCA) published Consultation Paper CP26/24, Simplifying Consumer Investment Disclosures. It proposes to consolidate the cost and charges disclosure rules currently split across the Conduct of Business Sourcebook (COBS) into a single new chapter, COBS 6A, covering business under the Markets in Financial Instruments Directive (MiFID), the Insurance Distribution Directive (IDD) and other designated investment business. Nothing in t