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

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.
Net Zero Homes: Time for a Reset

01.11.22

Reports and Publications

Net Zero Homes: Time for a Reset

Heating the UK’s 28 million households accounts for 14 per cent of our total carbon emissions; buildings are the country’s second-largest source of emissions. We must address this if we are to meet our Net Zero goals.
 2022 Total Tax Contribution of the UK Banking Sector

28.10.22

Reports and Publications

2022 Total Tax Contribution of the UK Banking Sector

The 2022 Total Tax Contribution Study for the UK banking sector, commissioned by UK Finance and based on analysis by PwC, found that the UK banking sector paid £38.8 billion in taxes in the financial year to March 2022.
A response to the PRA’s consultation paper on Model risk management principles for banks

26.10.22

Consultation Responses

A response to the PRA’s consultation paper on Model risk management principles for banks

The PRA has drawn heavily on existing the Federal Reserve’s 2011 Model Risk Management Guidance, SR 11-7, but also added expectations about how firms should approach the use of Artificial Intelligence (AI) and Machine Learning (ML) in modelling.
UK Finance response to the public consultation - PCP 2022/2

25.10.22

Consultation Responses

UK Finance response to the public consultation - PCP 2022/2

UK Finance responds to the Takeover Panel’s consultation PCP 2022/2 on the ‘presumptions of the definition of “acting in concert” and related matters’
UK Finance response to HM Treasury consultation on Payments Regulation and the Systemic Perimeter

24.10.22

Consultation Responses

UK Finance response to HM Treasury consultation on Payments Regulation and the Systemic Perimeter

UK Finance welcomes the opportunity to respond to HM Treasury’s consultation and call for evidence on Payments Regulation and the Systemic Perimeter.
Integrating climate risk into the prudential capital framework

18.10.22

Reports and Publications

Integrating climate risk into the prudential capital framework

UK Finance worked with banks that had taken part in the Bank of England’s climate change stress test, as well as associate member KPMG, to produce a report on ‘Integrating climate risk into the prudential capital framework’.
Half Year Fraud Report 2022

13.10.22

Reports and Publications

Half Year Fraud Report 2022

Our 2022 Half Year Fraud Update, sponsored by LexisNexis Risk Solutions, shows that after the rises in fraud to record highs during the pandemic, fraud levels fell in the first half of this year (2022) as consumers return to normal routines.
Treasury Select Committee Call for Evidence on the work of the Payment Systems Regulator (PSR)

04.10.22

Consultation Responses

Treasury Select Committee Call for Evidence on the work of the Payment Systems Regulator (PSR)

We welcome the opportunity to provide a written submission to the Treasury Select Committee (TSC’s) call for evidence on the work of the PSR.