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's response to the EBA's public consultation on the proposed RTS

07.11.25

Consultation Responses

UK Finance's response to the EBA's public consultation on the proposed RTS

The EBA consulted on draft RTS following the Commission’s advice request; UK Finance responded, and final recommendations issued in October.
UK Finance's response to HMT's consultation on the UK's AML/CTF Supervisory Regime

07.11.25

Consultation Responses

UK Finance's response to HMT's consultation on the UK's AML/CTF Supervisory Regime

UK Finance welcomed HM Treasury's consultation on the UK's AML/CTF regime to address several longstanding concerns.
UK Finance response to HM Treasury’s consultation on - The draft Money Laundering and Terrorist Financing Regulations 2025

06.11.25

Consultation Responses

UK Finance response to HM Treasury’s consultation on - The draft Money Laundering and Terrorist Financing Regulations 2025

We welcome HM Treasury’s proposed changes to the UK’s Money Laundering Regulations (MLRs) which represent a significant positive step towards ensuring a more risk-based, proportionate and effective regulatory regime.
UK Finance's response to PRA’s CP1625 Disclosure resolvability resources, capital distribution constraints and basis for firm Pillar 3

05.11.25

Consultation Responses

UK Finance's response to PRA’s CP1625 Disclosure resolvability resources, capital distribution constraints and basis for firm Pillar 3

In continuation of our efforts to simplify regulatory requirements, we recommend clarifying Disclosure Templates and Capital Distribution Constraints, and encourage the Bank of England to implement a tailored approach to risk tolerance across firms.
UK Finance's response to PRA’s CP15/25: Amendments to MREL reporting

05.11.25

Consultation Responses

UK Finance's response to PRA’s CP15/25: Amendments to MREL reporting

To reduce unnecessary burden on firms, we urge the PRA to further rationalise MREL reporting and eliminate duplication across Pillar 3, TLAC and repeat issuances.
UK Finance's response to PRA’s CP14/25 Amendments to Resolution Assessment threshold and Recovery Plans review frequency

05.11.25

Consultation Responses

UK Finance's response to PRA’s CP14/25 Amendments to Resolution Assessment threshold and Recovery Plans review frequency

Whilst we support the threshold review, we urge the PRA to further streamline the current threshold structure, ensure clear definitions and periodically index all regulatory framework.
UK Finance's response to PRA DP1/25: Residential mortgages: LGD and PD estimation

05.11.25

Consultation Responses

UK Finance's response to PRA DP1/25: Residential mortgages: LGD and PD estimation

This response reflects contributions from a broad group of our members with retail and commercial portfolios, both banks and building societies.
UK Finance's response to MHCLG request for Input: Implementation Impacts of Commonhold Reform

04.11.25

Consultation Responses

UK Finance's response to MHCLG request for Input: Implementation Impacts of Commonhold Reform

We welcome the opportunity to respond to the Ministry of Housing Communities, and Local Government (MHCLG)’s request for input on the implementation impacts of commonhold reform.
UK Finance response to the GENIUS Act request for public comment

04.11.25

Consultation Responses

UK Finance response to the GENIUS Act request for public comment

The UK and US have deep economic ties, and financial services is no different.