I. Introduction Manufacturers of consumer-facing products in the increasingly integrated European market operate in a complex...
Freshfields Risk & Compliance
As we did in 2021, 2022, 2023 we have crowdsourced some fintech predictions for the year ahead from the EU Freshfields Fintech team,...
On 8 December 2023, HM Treasury (HMT) and the FCA published a joint policy paper (DP23/5) on the Advice Guidance Boundary Review (the...
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Both the desire for higher yields and the low interest rate environment of the past years has seen retail investors’ focus increasingly...
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On 31 July 2023, the FCA published its Cash Savings Market Review 2023. In order to combat high inflation in the UK (currently at 7.9%)...
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It has been a while since the CESR guidelines on “Understanding the definition of advice under MiFID” were published. To be precise, 13...
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In the heated discussion around the ban on payment for order flow, the proposal on the Retail Investment Package (the Proposal), adopted...
The FCA’s focus on vulnerable customers is longstanding. In the aftermath of the Covid-19 pandemic, the ongoing cost of living crisis,...
Although the FCA’s new Consumer Duty is not yet in force, the regulatory environment is already shifting. For example, the FCA has stated...
The issue front and centre of the Financial Conduct Authority’s (FCA) 2022 Annual Public Meeting was the cost of living crisis. At that...
The anticipated cost of living crisis is here, and yesterday’s ‘Dear CEO’ letter to insurers confirms the FCA’s return to a theme it...
In May this year we reported on the Financial Conduct Authority’s (FCA’s) initial proposals for a Consumer Duty for financial services...