United Kingdom: Finance and Banking

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Finance law and banking law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as capital adequacy, BASEL, acquisition finance, debt capital markets, fund finance, islamic finance, securitization and structured finance.
Article
UK Regulators Publish Tokenisation Feedback Statement And Call For Input
The UK Financial Conduct Authority and Bank of England have released a joint feedback statement on tokenisation in wholesale financial markets, addressing industry responses on regulatory treatment, collateral mobility, and settlement frameworks. The regulators outline their commitment to providing clarity on prudential treatment while maintaining technology-agnostic principles, with a comprehensive Tokenisation Roadmap expected later in 2026. Additionally, the FCA has launched a separate consultation explo
United Kingdom Finance
KM
Katten Muchin Rosenman LLP
Article
Turning Back Time: FCA And FOS Clash Over Historic Consumer Credit Claims
The High Court has rejected the Financial Ombudsman Service's attempt to investigate consumer complaints about lending decisions made more than six years before complaints were raised, providing critical clarity on time limits for FOS complaints. This landmark decision saw unprecedented intervention by the FCA in support of the banks and arrives amid substantial reform to UK consumer financial services law through the Financial Services and Markets Bill.
United Kingdom Finance
PS
Penningtons Manches Cooper LLP
Article
FCA AML Supervision Reform: What Law Firms, Accountants And TCSPs Need To Do Now
The UK Government's decision to transfer anti-money laundering and counter-terrorist financing supervision of legal service providers, accountancy firms and trust and company service providers to the FCA marks a fundamental shift in the UK's financial crime framework. With implementation expected to begin in 2028, approximately 60,000 businesses will face direct FCA supervision for the first time, requiring enhanced governance, risk management and regulatory engagement capabilities.
United Kingdom Finance
TLT
Article
FCA Money Mules Review: Closing Accounts Is Not Enough
The FCA's latest review of money mule activity reveals that while firms are increasingly identifying and closing suspected mule accounts, criminal networks continue to exploit payment systems through sophisticated cash-out methods. Regulated firms must now shift focus from simple account closure to proactive network disruption, enhanced intelligence-sharing, and understanding how fraud proceeds move through interconnected payment chains.
United Kingdom Finance
TLT
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Related Country Guides

SL
Secured Lending
BR
Banking Regulation
AI
Alternative Investment Funds
PF
Project Finance
AR
Asset Recovery

Capital Adequacy/BASEL

Article
UK Captive Insurance Reform - Why Private Capital Should Be Paying Attention
The UK is proposing a new regulatory framework for captive insurers that could transform how private equity sponsors manage insurance risk and capital across their portfolios. With global captive premiums projected to reach $161 billion by 2030, these reforms aim to make the UK competitive with established offshore domiciles like Bermuda and Guernsey. The consultation introduces streamlined authorisation, reduced capital requirements, and simplified governance that may particularly benefit sponsors seeking
United Kingdom Finance
PR
Proskauer Rose LLP
Article
UT Remits £880m Loan Relationship Dispute Back To The FTT
The Upper Tribunal examined whether £3 billion paid to Barclays Bank during the 2008 financial crisis was wholly for reserve capital instruments or partly for warrants issued by its parent company. The case highlights the complexities of determining fair value allocation in structured financial transactions and the challenges taxpayers face when appealing factual findings, as the tribunal remitted the matter for reconsideration despite finding errors in the original decision.
United Kingdom Finance
RPC
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Debt Capital Markets

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Charges, Mortgages, Indemnities

Article
Does A Secured Loan Affect Remortgaging?
Homeowners with a secured loan registered as a second charge against their property face specific considerations when switching mortgage lenders. The existing loan affects borrowing capacity, loan-to-value ratios and requires careful legal handling to manage charge priorities. Understanding how to repay or retain the secured loan during a remortgage helps homeowners navigate the additional legal steps and costs involved.
United Kingdom Real Estate
JS
JMW Solicitors LLP
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Financial Services

Article
UK Regulators Publish Tokenisation Feedback Statement And Call For Input
The UK Financial Conduct Authority and Bank of England have released a joint feedback statement on tokenisation in wholesale financial markets, addressing industry responses on regulatory treatment, collateral mobility, and settlement frameworks. The regulators outline their commitment to providing clarity on prudential treatment while maintaining technology-agnostic principles, with a comprehensive Tokenisation Roadmap expected later in 2026. Additionally, the FCA has launched a separate consultation explo
United Kingdom Finance
KM
Katten Muchin Rosenman LLP
Article
Turning Back Time: FCA And FOS Clash Over Historic Consumer Credit Claims
The High Court has rejected the Financial Ombudsman Service's attempt to investigate consumer complaints about lending decisions made more than six years before complaints were raised, providing critical clarity on time limits for FOS complaints. This landmark decision saw unprecedented intervention by the FCA in support of the banks and arrives amid substantial reform to UK consumer financial services law through the Financial Services and Markets Bill.
United Kingdom Finance
PS
Penningtons Manches Cooper LLP
Article
FCA AML Supervision Reform: What Law Firms, Accountants And TCSPs Need To Do Now
The UK Government's decision to transfer anti-money laundering and counter-terrorist financing supervision of legal service providers, accountancy firms and trust and company service providers to the FCA marks a fundamental shift in the UK's financial crime framework. With implementation expected to begin in 2028, approximately 60,000 businesses will face direct FCA supervision for the first time, requiring enhanced governance, risk management and regulatory engagement capabilities.
United Kingdom Finance
TLT
See more

Latest Videos

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