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 Finance calls for overhaul of the bank referral scheme to better support SMEs

16.01.26

Consultation Responses

UK Finance calls for overhaul of the bank referral scheme to better support SMEs

UK Finance urges reform: replace outdated Bank Referral Scheme with a proactive, comprehensive Access to Finance Hub to better support SMEs.
Open Banking Payments Commercial Model

08.01.26

Reports and Publications

Open Banking Payments Commercial Model

Industry Proposal for a Commercial Model for Wave 2 Commercial Variable Recurring Payments (cVRP).
UK Finance Response to MHCLG’s Home Buying and Selling Reform Consultation

19.12.25

Consultation Responses

UK Finance Response to MHCLG’s Home Buying and Selling Reform Consultation

UK Finance has responded to the Ministry of Housing, Communities and Local Government’s (MHCLG’s) consultation on Home Buying and Selling Reform.
UK Finance response to the Department for Business and Trade’s Unlocking Business Reform Driven by You consultation

18.12.25

Consultation Responses

UK Finance response to the Department for Business and Trade’s Unlocking Business Reform Driven by You consultation

UK Finance is pleased to respond to the Department for Business and Trade’s (DBT) consultation, Unlocking Business: Reform Driven by You.
UK Finance’s response to FCA’s consultation on changes to the short selling regime

17.12.25

Consultation Responses

UK Finance’s response to FCA’s consultation on changes to the short selling regime

UK Finance welcome the FCA’s consultation which has provided guidance and has focused on technical refinements rather than wholesale reform.
UK Finance responds to Bank of England's capital announcement

02.12.25

Consultation Responses

UK Finance responds to Bank of England's capital announcement

Responding to the Bank of England's capital announcement, David Postings, Chief Executive of UK Finance, said:
Autumn Budget Submission 2025

26.11.25

Consultation Responses

Autumn Budget Submission 2025

Ahead of the Autumn Budget, UK Finance has published its 2025 Budget submission. The submission focuses on the following areas and sets out how the financial services sector can support the government’s growth mission and the wider economy:
Buy Now Pay Later trends in the UK

24.11.25

Reports and Publications

Buy Now Pay Later trends in the UK

Buy Now Pay Later (BNPL), or Deferred Payment Credit, is a flexible payment option that allows consumers to split purchases into interest-free instalments, initially online but now increasingly in physical stores, serving as a budgeting tool for some.
UK Finance response the call for views by the Digital Regulation Cooperation Forum

24.11.25

Consultation Responses

UK Finance response the call for views by the Digital Regulation Cooperation Forum

This is UK Finance's response to the call for views on agentic AI and regulation by the Digital Regulation Cooperation Forum. Prepared with assistance from TLT LLP.