UK Retail Finance Horizon Scanner - August 2026

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UK Retail Finance Horizon Scanner - August 2026

September 09, 2026

United Kingdom
United Kingdom
United Kingdom
In the latest edition of our UK Retail Finance Horizon Scanning report, we highlight recent industry updates and developments emerging in the following areas:

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: Financial Ombudsman Service reforms designed to create a more efficient, consistent and predictable consumer redress framework
  • Consumer Credit: Financial Conduct Authority findings on firms’ readiness to implement the motor finance consumer redress scheme, alongside wider credit market reforms
  • Mortgages: growing regulatory focus on physical climate risks and how they could affect insurance availability, property values and mortgage lending
  • Innovation: the launch of the Financial Conduct Authority Handbook application programming interface, supporting automated regulatory monitoring and compliance
  • Consumer Duty: developments relating to financial inclusion, vulnerable customers and access to appropriate financial products and services

The report also covers upcoming changes relating to non-financial misconduct, mortgage market reform, artificial intelligence governance and consumer credit financial promotions.

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

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United Kingdom

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Rachael Browning

Senior Associate

United Kingdom

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