FCA Publications

FCA Consultation on Regulation for SME Access to Finance

The FCA is seeking views on how its regulations can better support small and medium-sized enterprises (SMEs) in accessing finance. This initiative is part of the FCA's strategy to support growth and improve business access to capital.

FCA Final Rules: Operational Incident and Third Party Reporting

The FCA has published final rules and guidance for operational incident and material third party reporting. These rules, which will apply from 18 March 2027, aim to standardize reporting processes and enhance oversight of critical third-party arrangements within the financial sector.

FCA Consultation on Modernising the Redress System

The FCA and Financial Ombudsman Service are seeking views on proposals to modernise the financial services redress framework. This consultation aims to provide greater certainty for firms and better serve consumers, with a comment deadline of May 11, 2026.

FCA Mortgage Charter Uptake Data

The FCA has published data on the uptake of the Government's Mortgage Charter for March 2026. The data, collected from 49 signatory firms representing 90% of the mortgage market, details the number of customers who have utilized options such as locking in new deals early or temporarily reducing payments. This publication provides insights into borrower support measures.

FCA Mortgage Lending Statistics Q4 2025

The FCA has published its mortgage lending statistics for Q4 2025, showing a record £1.73 trillion in outstanding loans. Key findings include an increase in high loan-to-value and loan-to-income lending, alongside a decrease in gross mortgage advances compared to the previous quarter.

FCA Mortgage Lending Statistics - March 2026

The FCA has released its mortgage lending statistics for March 2026, based on data submitted via the Mortgage Lending and Administration Return (MLAR). The report details trends in outstanding mortgage loans, gross mortgage advances, and new mortgage commitments for Q4 2025.

FCA Review of Second Charge Mortgages

The FCA has reviewed second charge mortgage intermediaries and lenders, identifying examples of good and poor practices. The review focused on advice, fees, charges, and affordability assessments. Firms are expected to review their practices to ensure they meet Consumer Duty standards.

FCA Consumer Understanding Good Practice Review

The FCA has published findings from its review into how financial firms approach consumer understanding, an outcome under the Consumer Duty. The guidance highlights good practices and areas for improvement across several key areas, including management information, innovation, vulnerability, financial promotions, and governance.