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 responds to HM Treasury’s UK Green Taxonomy Consultation

06.02.25

Consultation Responses

UK Finance responds to HM Treasury’s UK Green Taxonomy Consultation

UK Finance members have a variety of views as to whether a UK taxonomy would be distinctly valuable in supporting the Government’s stated objectives. In our response, we set out two predominant viewpoints from across our membership.
UK Finance response to the Competition and Markets Authority’s (CMA) draft Annual Plan 2025/26 consultation

06.02.25

Consultation Responses

UK Finance response to the Competition and Markets Authority’s (CMA) draft Annual Plan 2025/26 consultation

The financial services sector is one of the UK’s most important economic assets. Our sector powers businesses, creates jobs and drives investment in homes, infrastructure, and green technologies.
UK Finance response to ‘Modernising the Redress System Call for Input’

03.02.25

Consultation Responses

UK Finance response to ‘Modernising the Redress System Call for Input’

The current redress system faces significant challenges, requiring targeted reforms to ensure it remains transparent, efficient, and fit for purpose. There are key issues not identified by this Call for Input (CFI) which we believe are the root cause of instability and unpredictability within the redress framework.
UK Finance response to the Bank of England’s Discussion Paper on Transitioning to a repo-led operating framework

03.02.25

Consultation Responses

UK Finance response to the Bank of England’s Discussion Paper on Transitioning to a repo-led operating framework

Our members are fully supportive of the Bank of England’s proposal to move to a more demand-led approach to the supply of central bank reserves. It represents a sensible and practical re-focussing of the Sterling Monetary Framework (SMF), in the light of the ongoing normalisation of the Bank of England’s balance sheet.
Generative AI in Action: Opportunities & Risk Management in Financial Services

28.01.25

Reports and Publications

Generative AI in Action: Opportunities & Risk Management in Financial Services

This paper, in collaboration with Accenture, takes a balanced look at the current and emerging use cases of generative AI in the financial sector, along with emerging risk mitigation techniques.
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