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FCA Consumer Duty focus – Board reports
This is the first of three Hot TopICS for January 2025, looking at the FCA’s December 2024 commentary on Consumer Duty Board reports, complaints and root cause analysis, and its Consumer Duty focus for January to March 2025. In this Hot TopICS, we will set…
Premium Finance: the Market Study, and how we got to where we are
Premium financing involves lending funds to cover the cost of an insurance premium. This service is typically provided by third-party finance companies or the insurers themselves. Insurance intermediaries also offer it. The loan arrangement can last typically…
Non-admitted insurers: overseas insurers and UK regulation.
In June this year, the compliance team at the British Insurance Brokers’ Association (BIBA) was approached by the FCA to raise awareness of the Regulator’s concerns in relation to non-admitted insurers. BIBA subsequently published a guide for its members…
FCA Principal firms review: embedding the enhanced Appointed Representatives regime
Having tested and reviewed how well Principal firms have embedded the requirements of the enhanced Appointed Representatives (ARs) regime, the FCA has set out good practice and areas for improvement to help Principal firms effectively oversee and monitor their…
FCA Consultation on Consumer Credit Regulatory Returns - CP24/19
The FCA is consulting (CP24/19) on proposals to issue a new regulatory reporting return (CCR009) which will capture firms with a credit broking Permission, and which will also impact firms which carry on the regulated activities of debt adjusting, debt…
FCA Thematic Review TR24/2: product oversight and governance – overview, distributors and manufacturers
Following a review of general insurance (GI) and pure protection (PP) manufacturers’ and distributors’ product oversight and governance arrangements, the FCA has published a Thematic Review – TR24/2 – “Product Oversight and Governance thematic review – General…
