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Blog Post

Spain implements Royal Decree on legal regime for payment services and institutions

Royal Decree 736/2019 of 20 December 2019 on the Spanish legal regime for payment services and payment institutions came into force on 25 December 2019. This new Royal Decree supplements...

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Cash savings: FCA proposes Single Easy Access Rate to tackle price discrimination

The FCA is proposing to reform the easy access cash savings market by requiring firms to set a single interest rate known as "Single Easy Access Rate" or "SEAR" for easy access savings...

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'Mortgage prisoners' : FCA turns the regulatory key in cell door with final rules

The FCA has finalised changes to its responsible lending rules and guidance to introduce a modified affordability assessment for eligible consumers with immediate effect. Lenders who choose ...

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FCA draft vulnerability guidance: embedding 'doing the right thing' in firms' culture

The FCA has published a consultation on proposed non-Handbook guidance for firms on the fair treatment of vulnerable customers. The FCA reiterates that vulnerability is one of its key...

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PSD2 and SCA – September or beyond?

On 21 June 2019 the EBA published an opinion on the elements of strong customer authentication. As well as setting out some important clarifications on the interpretation of the...

Blog Post

High Cost Credit Review: Final rules and guidance on overdraft pricing and repeat use

The FCA has published final rules and a further consultation on a range of measures transforming the overdraft market. The changes in the final rules cover pricing intervention and repeat...

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