FCA Pure Protection Market Study – findings and Consumer Duty/governance expectations
The FCA has published final findings from its Pure Protection Market Study, highlighting that competition works well for existing customers but millions lack protection insurance coverage. The FCA reminds firms of Consumer Duty and product governance requirements, will hold a webinar to address rule misunderstandings, and invites participation in a TechSprint by 13 November.
- Published
- 21 September 2026
- Compliance deadline
- 13 November 2026
- Primary source
- View original
Unlock the full analysis
See the timeline, amendment history, and Polar’s read on what this means.
One email unlocks every entry in the Regulatory Tracker - no account needed.
Related reading
Agentic finance arrives: the FCA signals testing over consultation
Jessica Rusu's 19 October speech confirms the FCA will embed six of the seven Mills Review recommendations into live supervisory work rather than consult further, as 86% of surveyed firms now use AI. Senior leaders should expect direct engagement, assurance testing and surveillance on AI deployments, not another rulebook.
FCA's AI guidance: no new rules, but nowhere to hide
The FCA has published good and poor practice guidance for AI in financial services, clarifying how existing frameworks apply rather than creating new ones. For senior leaders, the message is that accountability for AI outcomes already sits with them under rules they know well.
Money markets stay calm as QT, leverage reform and ECP shift the plumbing
The Bank of England's Money Markets Committee reports stable funding and ample liquidity even as Quantitative Tightening, leverage ratio reform and growing European Commercial Paper issuance reshape the sterling funding mix. For treasurers, CFOs and ALCO chairs, the calm surface hides structural changes that demand repositioning now rather than at the next quarter-end.
Stay ahead of this