We have already seen a busy start to 2026 with the FCA launching key regulatory frameworks, introducing new returns and reforming existing regulatory requirements. Based on the publications seen so far, we now have a much clearer timeline of what we can expect from the regulator until the end of the year.

In the first two quarters of 2026, the FCA advanced their Advice Guidance Boundary Review initiative by launching their Targeted Support Framework. This framework allows typically larger firms to offer ready-made suggestions to customers based on their general characteristics – but importantly, this does not replace holistic advice.

Also, in Q2, firms have grappled with CCR009, a return designed to provide the FCA with more information as to how firms are using their consumer credit permissions. The reasons vary from discussing repaying debt, lender requirements, premium finance to commercial mortgages and bridging loans. As the FCA review this data, firms should continue to track the relevant MI to help facilitate next year’ s return.

Protection Market study Interim Report

Non-Financial Misconduct final rules