Building Cyber Resilience: Lessons from the Bank of England, PRA and FCA’s Latest Guidance
The Bank of England, PRA and FCA have outlined what “good” looks like in cyber response and recovery. Their latest paper highlights how leading firms are preparing for severe cyber incidents and what others can do to strengthen resilience.
Redress and Reflection: What the FCA’s Motor Finance Scheme Means for Insurers
The FCA’s proposed Motor Finance Consumer Redress Scheme (CP25/27) could see up to £8.2 billion repaid to customers, but its implications go far beyond motor finance. For insurance firms, it’s a sharp reminder that transparency, fair value, and governance under Consumer Duty must be watertight.
Raising the Bar for FCA Applications: Why “Good Enough” Isn’t Enough
The FCA is clear: only complete, well-evidenced applications will pass its strengthened gateway. Its latest review highlights good and poor practice across firm authorisations, SMF approvals, and controller applications, giving firms a clear benchmark. Poor submissions risk rejection, scrutiny, and leadership accountability.
This article breaks down the FCA’s findings, common pitfalls, and practical steps to prepare regulator-ready submissions.
Enhanced Oversight of Appointed Representatives: FCA Scrutiny
The FCA has made oversight of Appointed Representatives a strategic priority — and firms are under the microscope. We unpack the regulator’s latest multi-firm review, the risks for principal firms, and the steps you should take now to stay ahead of scrutiny.
Silent Signals: Why Your Whistleblowing System Isn’t Your Best Detection Tool
Early warning signs of cultural risk rarely appear where firms expect them. This piece explores how organisations can move beyond reactive whistleblowing systems and build proactive, multi-channel approaches that capture subtle signals before they escalate.
Post-Mansion House Reforms: A New Era of Growth-Focused Regulation
The FCA, PRA, and HM Treasury are rewriting the rules of engagement for financial firms. This blog unpacks the headline reforms and how firms can prepare for what’s coming.
Tackling Non-Financial Misconduct – CP25/18
The FCA’s new consultation paper addresses bullying, harassment, and discrimination within regulated firms, making non-financial misconduct a key regulatory concern. This blog explores how firms must update policies and culture to meet these evolving requirements.
The Compliance Paradox: Why Culture Beats Documentation Every Time
You may have all the right policies in place, but if they’re not embedded into your company culture, they could offer little protection when misconduct occurs. This blog dives into why documentation alone isn’t enough, and how bridging the gap between policy and practice can safeguard your firm from costly consequences.
FCA Enforcement Guide Changes: What the New Transparency Means for Firms
The FCA’s revised Enforcement Guide is now in effect. It marks a shift in how—and when—investigations may be made public.
Strengthening Policies: How Culture Detection Systems Enhance Compliance Approaches
The Invisible Architecture of Risk Management Culture isn’t just a nice-to-have; it’s the invisible architecture that determines whether your organisation stands or falls. Picture this: Your firm has meticulously crafted anti-harassment policies, conducted the mandatory training sessions, and checked every compliance box recommended by your legal team. You sleep soundly, believing your organisation is protected. […]