From 2027, cryptoasset firms in the UK must meet the FCA’s Consumer Duty, putting customers first through fairness, transparency, and support.
From May 2026, firms must maintain a clear, up-to-date Resolution Pack under CASS 10 to ensure customer funds can be swiftly returned in the event of insolvency.
The FCA’s CP26/4 signals a decisive shift to full financial services regulation for UK crypto firms, prioritising governance, accountability and consumer protection over speed to market.
Stay updated with February 2026's top regulatory changes for investment firms, from capital markets reform, AI innovation ESG disclosures.
The FCA will lift its pause on motor finance complaints on 31 May 2026, giving firms time to prepare for a likely surge in cases and a new compensation scheme.
The FCA’s PS25/23 confirms that serious non-financial misconduct, including conduct outside work where relevant, can be a regulatory breach and must be embedded into firms’ culture, governance and fit and proper assessments by September 2026.
Complaints are a valuable source of insight that drive improvement and transparency, and the FCA’s new streamlined reporting framework aims to reduce burden on firms while enhancing the quality, consistency, and usefulness of complaints data.
The FCA’s CP25/42 finalises the UK’s prudential framework for cryptoasset firms, establishing capital, liquidity, and risk-management standards that make financial resilience and strategic governance central to regulatory compliance and long-term credibility.
The article explains that the EU–UK MoU under DORA creates a coordinated cross-border oversight regime for critical ICT third-party providers, raising expectations on operational resilience, third-party risk management and incident response for payments firms and their suppliers rather than reducing regulatory scrutiny.
The article argues that by 2026, UK payments and crypto firms will face a tougher, more joined-up regulatory regime where safeguarding, governance and execution capability, not regulatory ambiguity - become the decisive factors for sustainable growth.
The FCA will lift its pause on motor finance complaints on 31 May 2026, giving firms time to prepare for a likely surge in cases and a new compensation scheme.
PS25/12 tightens safeguarding by mandating daily, evidence-backed reconciliations to prove customer funds are protected by May 2026.