Policy & guidance

We aim to ensure members have access to the information and tools needed to adapt and thrive, while meeting regulatory and compliance obligations.

The regulatory landscape is constantly evolving, while rapid developments in technology are changing the face of financial services. We publish an extensive range of reports and publications on the topics and issues facing businesses, consumers and the banking and finance industry, from policy papers and data and statistics, through to research reports. We work with in-house expertise, members, government and regulators to develop policy and guidance, including industry-wide standards such as the Invoice Finance and Asset-Based Lending Standards Framework. As a collective voice for the banking and finance industry, UK Finance provides detailed responses to regulator and government-driven consultations, looking to shape the best outcome for our members and their customers and ensure proportionate and measured results. 

Filter policy and guidance

UK Cash and Cash Machines 2022

16.12.22

Reports and Publications

UK Cash and Cash Machines 2022

Detailed analysis of how and where we obtained and spent cash in the UK during 2021. Includes analysis of cash machines in the UK, as well as forecasts for how cash use will change over the next decade and comparisons with other countries.
UK Consumer Payments 2022

16.12.22

Reports and Publications

UK Consumer Payments 2022

Statistics summarising the latest findings from UK Finance annual National Payments Study (NPS) for 2021. This statistical digest provides a wealth of information about personal financial holdings, payments and cash acquisition in the UK.
The Future Regulation of Unbacked Cryptoassets in the UK

15.12.22

Reports and Publications

The Future Regulation of Unbacked Cryptoassets in the UK

This report is to assist relevant stakeholders in marrying the UK’s regulatory frameworks to the novel world of unbacked cryptoassets.
Register of Overseas Entities Note

08.12.22

Guidance

Register of Overseas Entities Note

This communication is intended to help member banks answer customer queries about the Register of Overseas Entities (ROE).
UK Finance responds to the Prudential Regulation Authority’s approach to policy (DP4/22)

08.12.22

Consultation Responses

UK Finance responds to the Prudential Regulation Authority’s approach to policy (DP4/22)

We support the various measures stemming from the future regulatory framework (FRF) review that the Financial Services and Markets (FSM) Bill implements.
PRA SS221 - The compliance journey

05.12.22

Reports and Publications

PRA SS221 - The compliance journey

Following publication of the PRAs Third Party and Outsourcing (SS2/21) Supervisory Statement in March 2021, UK Finance and Capco conducted surveys of UK Finance’s members in July 2021 and March 2022.
UK Finance-ISDA Response to FCA Consultation - CP22/18

01.12.22

Consultation Responses

UK Finance-ISDA Response to FCA Consultation - CP22/18

UK Finance and ISDA respond to CP22/18: Guidance on the trading venue perimeter
Investigating the Potential Impact of a Retail UK CBDC On Credit Creation and Financial Stability

21.11.22

Reports and Publications

Investigating the Potential Impact of a Retail UK CBDC On Credit Creation and Financial Stability

Continuing our series of reports on how a UK retail central bank digital currency (CBDC) could be launched by the Bank of England and HM Treasury, this third report looks at the potential impact of CBDC implementation on credit creation for the UK economy.
Watching our pennies: How consumers feel about cash

04.11.22

Reports and Publications

Watching our pennies: How consumers feel about cash

This new report by UK Finance’s Cash Services team looks at the data we gathered around how consumers feel about their cash (notes and coin). It reflects on changing consumer preferences after the Covid pandemic, and considers how changing customer demand might impact on the ongoing efficient circulation of cash.