UK Retail Finance Horizon Scanner - July 2026

Financial district skyscrapers glass high-rise buildings urban skylineFinancial district skyscrapers glass high-rise buildings urban skyline

UK Retail Finance Horizon Scanner - July 2026

August 03, 2026

United Kingdom
United Kingdom
United Kingdom
This report looks at developments that happened in July 2026. It is the current position as of July 31, 2026 and may be subject to change.

In the latest edition of our UK Retail Finance Horizon Scanning report, Eversheds Sutherland highlights recent industry updates and upcoming developments affecting the retail finance and mortgages sectors, including:

  • Conduct: FCA action on access to basic bank accounts, financial promotions, market abuse and regulatory reforms supporting growth and competitiveness
  • Consumer Duty: updated FCA guidance on product design, fair value, consumer support, complaints handling and root cause analysis
  • Innovation: FCA developments on AI testing, AI governance and the Supercharged Sandbox
  • Consumer Credit: FCA consultations and policy direction on consumer credit financial promotions, customer outcomes, AI governance and Buy Now Pay Later implementation
  • Mortgages: proposed reforms to improve mortgage access and further work on the later life lending market

The materials on the Eversheds Sutherland website are for general information purposes only and do not constitute legal advice. While reasonable care is taken to ensure accuracy, the materials may not reflect the most current legal developments. Eversheds Sutherland disclaims liability for actions taken based on the materials. Always consult a qualified lawyer for specific legal matters. To view the full disclaimer, see our Terms and Conditions or Disclaimer section in the footer. Eversheds Sutherland is a provider of legal and other services operating through various separate and distinct legal entities. For further information about these entities and Eversheds Sutherlands' structure please see the Legal Notice page of this website.

Insights series

Finance Horizon Scanner

Services

Industries

Key contacts

naomiseward@eversheds-sutherland.com

Naomi Seward

Partner

United Kingdom

rachaelbrowning@eversheds-sutherland.com

Rachael Browning

Senior Associate

United Kingdom

Latest Insights

Latest News

Latest Events

EU-flags-at-the-European-Commission-Berlaymont-building-cropped

guides and reports

October 23, 2026

EU: Empowering Consumers for the Green Transition Directive

Electricity transmission pylons across rural landscape energy infrastructure power lines

legal updates

October 21, 2026

Navigating energy storage globally

An abstract image of a building

legal updates

October 21, 2026

Construction Projects in the GCC

Modern office building glass facade exterior

legal updates

October 21, 2026

Commercially Connected - October 2026

© Eversheds Sutherland 2026. All rights reserved. Eversheds Sutherland is a provider of legal and other services operating through various separate and distinct legal entities. For further information about these entities and Eversheds Sutherlands' structure please see the Legal Notice page of this website.

Eversheds Sutherland (Germany) Rechtsanwälte Steuerberater Solicitors Partnerschaft mbB is a partnership with limited professional liability (Partnerschaftsgesellschaft mit beschränkter Berufshaftung) under German law, with its registered seat in Munich, registered with the partnership register of the Munich District Court under PR 1947 and having its business address at Brienner Straße 12, 80333 München, Germany. Eversheds Sutherland (Germany) Rechtsanwälte Steuerberater Solicitors Partnerschaft mbB is part of a global legal practice consisting of separate and distinct legal entities that operate under the name Eversheds Sutherland and provide legal or other services to clients around the world. Each Eversheds Sutherland entity is a separate legal entity and is not responsible for the acts or omissions of, nor can bind or obligate, another Eversheds Sutherland entity. Eversheds Sutherland Entities are constituted and regulated in accordance with relevant local regulatory and legal requirements. The use of the name Eversheds Sutherland, is for description purposes only and does not imply that the Eversheds Sutherland Entities are in a partnership or are part of a global entity. The responsibility for the provision of services to the client is defined in the terms of engagement between the instructed firm and the client.