i-law

Compliance Monitor

Asset managers ordered to improve liquidity frameworks

The FCA isremindinga "minority" of asset managers that they face regulatory intervention if they do not quickly remove their "serious gaps in managing liquidity risk".
Online Published Date:  07 July 2023
Appeared in issue:  Vol 36 No 1 - 07 July 2023

Motor and home insurers found wanting in run-up to Consumer Duty

The FCA has found motor insurers breaching its rules by offering less than fair market value to customers after write-offs.
Online Published Date:  07 July 2023
Appeared in issue:  Vol 36 No 1 - 07 July 2023

Banned pension transfer adviser agrees £850,000 compensation payment

A Birmingham-based financial adviser has been banned and required to pay most of his remaining assets in compensation after he tried to hide the goodwill value of his business and put it out of reach of the FCA.
Online Published Date:  07 July 2023
Appeared in issue:  Vol 36 No 1 - 07 July 2023

Plans announced for high-speed data tape on bonds trading - with equities likely to follow

The FCA is planning to set up high-speed reporting streams giving trading data on prices and volumes for bonds and equities.
Online Published Date:  07 July 2023
Appeared in issue:  Vol 36 No 1 - 07 July 2023

FCA fines fifth firm over cum-ex trading, as other investigations continue

The regulator has penalised its fifth firm in relation to cum-ex trading of Dutch and Belgian equities, and has ongoing investigations into other cases.
Online Published Date:  17 July 2023
Appeared in issue:  Vol 36 No 1 - 07 July 2023

FCA spotlights finfluencers in update of guidance for social media promotions

Firms using social media need to be sure that any influencers they use understand the products they are promoting.
Online Published Date:  26 July 2023
Appeared in issue:  Vol 36 No 1 - 07 July 2023

Credit Suisse incurs PRA's biggest fine, for record four breaches

The Swiss global investment bank has received the highest-ever penalty from the Prudential Regulation Authority, of £87,082,000, for a record four breaches of PRA Fundamental Rules.
Online Published Date:  26 July 2023
Appeared in issue:  Vol 36 No 1 - 07 July 2023

FCA sets out 14-point plan after banks accused of "measly" savings rates

The FCA is using the Consumer Duty to put pressure on firms to pass on interest rate increases to their savings account customers.
Online Published Date:  01 August 2023
Appeared in issue:  Vol 36 No 1 - 07 July 2023

The 'Farago'

The NatWest bank chief's error wasa lapse of judgement quite unlike that of the former Barclays CEO who pursued a whistleblower, yet did not resign for this. Adam Samuelunpicks the legal and regulatory issues raised by the Nigel Farage bank account furore.
Online Published Date:  31 August 2023
Appeared in issue:  Vol 36 No 1 - 07 July 2023

The shackles re-applied: Quincecare duty back under lock and key

In the aftermath of the Court of Appeal's decision in Philipp v Barclays last year, we published an article entitled 'Quincecare unchained?'. In a much-awaited appeal, the UK Supreme Court has unanimously re-applied the manacles to the duty, writes Paul Brehony.
Online Published Date:  31 August 2023
Appeared in issue:  Vol 36 No 1 - 07 July 2023

Promotions regulation: a new frontier for cryptoassets

The Financial Conduct Authority is on a mission to tackle misleading advertisements for high-risk investments, with cryptoassets - a frequent offender - about to fall within its purview. But will the regulator have the resources to enforce the new restrictions? It has found imposing compliance on the contracts-for-difference market almost impossible, notes Adam Samuel.
Online Published Date:  31 August 2023
Appeared in issue:  Vol 36 No 1 - 07 July 2023

EU digital transformation in train

The European Commission has announced a significant upgrade to payments rules along with a new financial data access framework. Charlotte Hill and Daniel Hirschfield review the package of reforms as well as what it means for consumers, the payments industry and the financial sector more generally.
Online Published Date:  31 August 2023
Appeared in issue:  Vol 36 No 1 - 07 July 2023

FCA's largest cum-ex trading fine for reliance on elusive legal 'opinions'

Dependence on legal and tax opinions that were unseen and unreferred to by relevant staff, has contributed to ED&F Man's record penalty for generating fees from clients' tax fraud. In addition to taking one senior manager's word for the legitimacy of the trading strategy, the Compliance staff lacked the required expertise to oversee the business, reports Denis O'Connor.
Online Published Date:  06 September 2023
Appeared in issue:  Vol 36 No 1 - 07 July 2023

G20 crypto recommendations: regulatory splash or merely a ripple?

A high-level initiative for cross-border coordination in regulating unbacked cryptoassets has been hailed as a watershed. Much more detail, and the tackling of jurisdictional challenges, is still to come, says Nicola McKinney.
Online Published Date:  07 September 2023
Appeared in issue:  Vol 36 No 1 - 07 July 2023

On the brink of Open Banking and Finance

Open Banking and Open Finance look set to be far more revolutionary than the present low level of media coverage suggests. And firms that ignore these developments now could struggle to catch up later. Neasa MacErlean explores where we are going and what compliance officers need to do.
Online Published Date:  07 September 2023
Appeared in issue:  Vol 36 No 1 - 07 July 2023

A step forward for consumer protection but proof is in the enforcement

Destined for greatness or unrealised potential? John Verwey and Sulaiman Malik provide an overview of the FCA's Consumer Duty and its implications for the UK financial system.
Online Published Date:  07 September 2023
Appeared in issue:  Vol 36 No 1 - 07 July 2023

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