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 response to Joint Regulatory Oversight Committee (JROC) proposals for the future entity

23.05.24

Consultation Responses

UK Finance response to Joint Regulatory Oversight Committee (JROC) proposals for the future entity

It is clearer than ever before that the CMA Order should be revoked, which would allow a transition to the Future Entity. Instead, as a direct result of the CMA Order still being in place, an Interim Entity is necessary to take forward non-Order work, so that Open Banking Limited (OBL) is limited to Order-only activity.
Annual Fraud Report 2024

22.05.24

Reports and Publications

Annual Fraud Report 2024

We saw some small reductions in the amount stolen through payment fraud in 2023, but with losses of nearly £1.2 billion it remains a major problem and threat to the UK.
Raising standards in the tax advice market – strengthening the regulatory framework and improving registration

20.05.24

Consultation Responses

Raising standards in the tax advice market – strengthening the regulatory framework and improving registration

We welcome the opportunity to respond to the HM Revenue & Customs (‘HMRC’) Consultation ‘Raising standards in the tax advice market – strengthening the regulatory framework and improving registration’.
From Control to Financial Freedom Report

16.05.24

Reports and Publications

From Control to Financial Freedom Report

Empowering victim-survivors on their journey from economic abuse to financial independence.
Unlocking the SME Net Zero Transition

14.05.24

Reports and Publications

Unlocking the SME Net Zero Transition

Our recommendations respond to three sets of barriers that Small and Medium-sized Enterprises (SMEs) told us prevent them from taking greater sustainability action.
British American Finance Alliance report on UK-US Financial Services: A foundation for Transatlantic Growth, Jobs and Security

07.05.24

Reports and Publications

British American Finance Alliance report on UK-US Financial Services: A foundation for Transatlantic Growth, Jobs and Security

The UK-US investment relationship is the largest in the world, and both countries’ financial services markets provide a significant level of financial services trade to each other. We at UK Finance seek to help further develop this trade.
UK Finance  response to Financial Conduct Authority enforcement guidance CP24-2

30.04.24

Consultation Responses

UK Finance response to Financial Conduct Authority enforcement guidance CP24-2

UK Finance has responded to the FCA’s Consultation Paper on changes to its Enforcement Guide and the publishing of enforcement investigations.
UK Finance Response to the Financial Conduct Authority Wholesale Data Market Study Report

24.04.24

Consultation Responses

UK Finance Response to the Financial Conduct Authority Wholesale Data Market Study Report

On 12 April, UK Finance submitted a response to the FCA's MS23/1.5 Wholesale Data Market Study Report.
Variable recurring payments report

22.04.24

Reports and Publications

Variable recurring payments report

Commercial variable recurring payments model clauses