UK Retail Finance Horizon Scanner - September 2026

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UK Retail Finance Horizon Scanner - September 2026

October 07, 2026

United Kingdom
United Kingdom
United Kingdom
This report looks at developments that happened in September 2026. It reflects the position as of September 30, 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:

  • Consumer Duty: updated FCA focus areas covering customer journeys, outcomes monitoring and consumer understanding, including within the credit card market
  • Consumer Credit: an FCA warning about poor debt advice practices, including pressure selling, misleading information and unsuitable fee-paying arrangements
  • Mortgages: FCA findings on how open finance and improved data sharing could support mortgage readiness, affordability assessments and customers experiencing payment pressure
  • Conduct: new FCA guidance on non-financial misconduct and the implications for firms’ conduct, assessment and reporting frameworks
    Innovation: the FCA’s evolving approach to artificial intelligence, with a continued focus on governance, operational resilience and third-party risk

The report also looks ahead to developments involving consumer credit financial promotions, Buy Now Pay Later regulation, mortgage market reform, later life lending and financial inclusion.

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.

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naomiseward@eversheds-sutherland.com

Naomi Seward

Partner

United Kingdom

rachaelbrowning@eversheds-sutherland.com

Rachael Browning

Senior Associate

United Kingdom

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