UK FinTech, Payments & Consumer Conduct Regulations, FCA & PSR Rules
Track FCA crypto-asset licensing, Payment Systems Regulator (PSR) directions, Open Banking rules, BNPL regulations, and FCA Consumer Duty statutory instruments.
FinTech, Payments & Consumer Conduct Regulatory Landscape & Compliance Overview
Official IntelligencePolicyIndex indexes real-time gazette notifications, policy orders, tariff determinations, and compliance circulars issued across the FinTech, Payments & Consumer Conduct sector. Regulatory intelligence is aggregated across central ministries, state regulatory commissions, and statutory authorities.
Statutory Directives
Official Extraordinary Gazettes, S.O. & G.S.R. orders, and executive notifications.
Compliance Mandates
Sector-specific regulatory obligations, licensing norms, and statutory filing guidelines.
Other Verticals in Financial Services & Insurance
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Official FinTech, Payments & Consumer Conduct Gazettes & Notifications
Frequently Asked Questions on FinTech, Payments & Consumer Conduct Regulations
How are crypto-assets regulated in the UK?
The Financial Services and Markets Act 2023 brought crypto-assets into the UK regulatory perimeter. Firms must register with the FCA for anti-money laundering purposes, and the FCA and PRA are developing a comprehensive authorisation regime for crypto-asset businesses including stablecoins.
What are the mandatory reimbursement rules for Authorised Push Payment (APP) fraud in the UK?
Under Payment Systems Regulator (PSR) rules effective October 2024, UK payment service providers must reimburse victims of APP fraud up to a maximum limit of £85,000 within five business days, with costs split 50:50 between the sending and receiving payment institutions, subject to limited exceptions for gross negligence.
How does the UK Digital Securities Sandbox (DSS) function?
Operated jointly by the Bank of England and FCA under powers in FSMA 2023, the DSS allows firms to issue, trade, and settle financial instruments using distributed ledger technology (DLT) under temporarily modified statutory requirements, testing novel financial market infrastructures over a five-year sandbox lifecycle.
What does the FCA Consumer Duty require of firms?
In force since July 2023, the Consumer Duty sets a higher standard of consumer protection: firms must deliver good outcomes for retail customers across products and services, price and value, consumer understanding, and consumer support, backed by board-level attestation.
What is the FCA Consumer Duty and what does it require of firms?
Principle 12 of the FCA Principles for Businesses requires firms to 'act to deliver good outcomes for retail customers'. It imposes four outcome areas: products and services designed to meet customer needs, fair value pricing, customer understanding (clear communications), and proactive customer support throughout the product lifecycle.
How does the FCA regulate Buy Now Pay Later (BNPL) credit agreements?
HM Treasury secondary legislation brings currently exempt short-term interest-free credit (under Article 60F(2) RAO) into the FCA regulatory perimeter, requiring BNPL lenders to perform creditworthiness and affordability assessments, comply with financial promotion rules, and provide borrowers access to the Financial Ombudsman Service (FOS).