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 Finance has responded to proposal 2 of Chapter 3 - Securitisation – of the PRA’s CP 13/24

24.01.25

Consultation Responses

UK Finance has responded to proposal 2 of Chapter 3 - Securitisation – of the PRA’s CP 13/24

We raised concerns about the PRA’s classification of an individual loan benefiting from credit insurance – for instance a Mortgage Indemnity Guarantee – as being in itself a securitisation.
Customer vulnerability disclosures

23.01.25

Guidance

Customer vulnerability disclosures

Principles for information sharing between mortgage intermediary firms and lenders
UK Finance backs regulation of ESG ratings providers

20.01.25

Consultation Responses

UK Finance backs regulation of ESG ratings providers

UK Finance has responded to the HM Treasury’s Draft Statutory Instrument (SI): The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 2) Order 2024
UK Finance response to Pension Investment Review interim report and consultations

17.01.25

Consultation Responses

UK Finance response to Pension Investment Review interim report and consultations

On 14 November 2024, the government published the interim report of the Pensions Investment Review, and two associated consultations on proposed reforms to the Local Government Pension Scheme and the private Defined Contribution pension market.
UK Finance response to discussion paper on future of the SI regime

16.01.25

Consultation Responses

UK Finance response to discussion paper on future of the SI regime

A key feature of the UK trading landscape is the role investment banks play in facilitating trades off their own balance sheets as part of the Systematic Internaliser (SI) regime.
UK Finance and AFME respond to HMT’s Private Intermittent Securities and Capital Exchange System (PISCES) statutory instrument consultation

10.01.25

Consultation Responses

UK Finance and AFME respond to HMT’s Private Intermittent Securities and Capital Exchange System (PISCES) statutory instrument consultation

We continue to be supportive of the PISCES initiative and the objective of giving private companies greater flexibility to access broad investment and, ultimately, transition towards the public markets.
UK Finance responds to the FCA’s consultation on safeguarding of customer funds

18.12.24

Consultation Responses

UK Finance responds to the FCA’s consultation on safeguarding of customer funds

UK Finance supports enhanced compliance reporting but thinks the end state proposals need to be reconsidered.
UK Finance response to CP 9-24

12.12.24

Consultation Responses

UK Finance response to CP 9-24

UK Finance has responded to the PRA’s consultation removing the refined approach to setting Pillar 2 capital.
UK Finance response to CP7-24 simplified SDDT capital regime

12.12.24

Consultation Responses

UK Finance response to CP7-24 simplified SDDT capital regime

UK Finance has responded to the PRA’s consultation on a simpler capital regime for Small Domestic Deposit Takers.