4460 Results from /regulation
Ben O'Brien Managing Director at Jaywing
Last Friday brought a degree of relief for those in the Motor Finance sector, as the Supreme Court overturned much of the earlier Court of Appeal ruling on “hidden commissions.” While this decision brings some welcome clarity, it doesn’t represent an outright victory for lenders. Here, we look at what the latest judgment means for motor finance pr...
07 August 2025 /regulation
Francesco Fulcoli Chief Compliance and Risk Officer at Flagstone
The European Banking Authority (EBA) recently published its fifth biennial Opinion and Report on money laundering (ML) and terrorist financing (TF) risks affecting the EU’s financial sector. While these reports are typically regulatory in nature, the 2025 edition reads like a warning bell for the fintech industry — especially for firms that are gr...
07 August 2025 /regulation /crime Fintech
Retired Member
At the outset I want to make it clear that this article is NOT about Climate Policy, it is not about climate change mitigation or adoption measures, it is not about the differing views geographical or geopolitical on its relevance, it is not about the ideological debates on what each stakeholder must do. It is about REAL impact of Climate Related ...
06 August 2025 /regulation /sustainable Banking Strategy, Digital and Transformation
Joseph Ibitola Head of Demand Generation at Flagright
AML compliance has become an increasingly heavy burden for financial institutions. Globally, fintechs and banks spend an estimated $206 billion per year on financial crime compliance. In 2023 alone, 98% of institutions reported their compliance costs increased over the prior year, with over one-third citing ever-escalating regulations as the prim...
05 August 2025 /payments /regulation Fintech
Cliff Bunting Director at PurplePatch Broking Ltd
In May 2025, the FCA introduced PS25/3, a new regulatory return for firms with permissions for credit broking, debt counselling, and credit information services. It replaces the returns process introduced in 2014, which the regulator had concluded was no longer delivering the level of clarity needed to monitor risk in the market. The updated retu...
04 August 2025 /regulation /retail Banking
The Prudential Regulation Authority (PRA) has confirmed that it will publish a Discussion Paper (DP) this summer, aimed at improving access to Internal Ratings Based (IRB) model permissions for residential mortgages among mid-tier banks. The IRB approach, which allows firms to use their own credit risk models to determine capital requirements, rem...
31 July 2025 /regulation
Paul Holt EMEA Group Vice President at Digicert
The Digital Operational Resilience Act (DORA) is now very much in play across the EU, setting a new standard for cyber and operational resilience in financial services. While it is a European regulation, its implications are anything but local. Any organisation working with EU-based financial institutions is now part of the DORA conversation, no
31 July 2025 /regulation /retail Banking Regulations
In AML and fraud monitoring, expected behavior refers to the normal patterns of transactions for a given customer, their typical transfer amounts, frequency of transactions, usual beneficiaries or destinations, etc. Defining this baseline is critical because it enables compliance teams to distinguish routine activity from anomalies. Unusual transa...
31 July 2025 /regulation /crime RegTech
Darren Carvalho Co-Founder and Co-CEO at MetaWealth
Recent institutional interest in stablecoins has been something of a watershed moment for the crypto industry. Not only has the mainstream adoption of stablecoins signalled a renewed interest in and a broader acceptance of blockchain, but it is the first sign of the convergence of decentralised finance (DeFi) and traditional finance (TradFi). Majo...
30 July 2025 /regulation /retail Innovation in Financial Services
The trajectory of the Discretionary Commission Arrangements (DCA) investigation is becoming increasingly difficult to ignore. A Supreme Court judgment is expected on 1st August, and the FCA’s policy statement PS24/11 has already laid out a potential path towards industry-wide redress. At the same time, complaint volumes are rising, putting pressur...
29 July 2025 /regulation
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