FCA updates : Regulatory simplification, financial crime controls, and the future of digital payments

December 11, 2025

FCA updates : Regulatory simplification, financial crime controls, and the future of digital payments

  • Regulatory Fee Reduction: The FCA proposes reducing late fees for regulatory returns, easing the administrative burden. Firms should review their return processes to stay compliant and optimize reporting timelines.
  • Financial Crime Prevention: The launch of Firm Checker is a major step in combating financial crime. Firms must integrate this tool to help verify firm authenticity and detect fraudulent activities.
  • Stablecoin Payments and Digital Finance: With stablecoins set as a priority for 2026, firms should assess their involvement in the digital finance ecosystem and review their governance and risk frameworks related to digital assets.
  • Insurance Rule Simplification: The FCA's simplification of insurance rules aims to reduce complexity. Firms should stay on top of simplified insurance compliance and be prepared for further reviews.
  • Investment and Pensions Support: The FCA’s focus on providing better consumer support for investment and pension decisions will require firms to enhance their customer support offerings. Tailoring advice and guidance will be crucial in this evolving regulatory environment.
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