i-law

Compliance Monitor

Mitsubishi UFJ fined £26.8m: PRA found out about US probe through NY Times

Staying mum about an enforcement investigation in the United States, has backfired for Bank of Tokyo-Mitsubishi UFJ and MUFG Securities EMEA: the Prudential Regulation Authority has fined the firms £17.85m and £8.925m respectively for not..
Online Published Date:  13 February 2017
Appeared in issue:  Vol 29 No 6 - 06 March 2017

Banks named as impetus for new corporate economic crime law proposals

“Fraudulent, dishonest activity by some banks and other commercial organisations” has spurred the Ministry of Justice to consider new laws on corporate economic crime, ministers announced on 13 January. A call for evidence asks..
Online Published Date:  13 February 2017

Pensions and the cobbled together COBS 19

COBS 19, the section of the Financial Conduct Authority handbook that specifically deals with pensions, is “a modest building that has become gaudy and chaotic with all the extensions added to it.” Time for a big picture re-think of this fast-growing set of rules, says Adam Samuel.
Online Published Date:  13 February 2017

The Criminal Finances Bill and your firm

A National Risk Assessment that pointed to “significant intelligence gaps” in high-end money laundering has prompted new legislation to strengthen defences against the billions of pounds believed to be laundered annually in the UK. Ian Mason and Louis Head outline the proposals as well as potential implications relevant to financial services firms.
Online Published Date:  13 February 2017

Warning knell for retail contract-for-difference providers

The recent consultation paper on boosting protections for retail contract-for-difference customers represents a wake-up call for the whole CFD sector, comments Julian Sampson.
Online Published Date:  13 February 2017

Courts tackle the ‘duty to explain’ in mis-selling claims

Outside of an advisory relationship, do financial institutions bear a duty to provide an explanation of the products being sold? The issue remains open for argument under the common law, report Abdulali Jiwaji and Nils de Wolff.
Online Published Date:  13 February 2017

Regulation and the speed of change: the P2P experience

Thirty-six months after the creation of a bespoke regulatory regime for the peer-to-peer lending sector, only a small proportion of platforms have been successfully authorised and the Financial Conduct Authority now wants to create new rules. Gillian Roche-Saunders discusses whether lessons can be learnt.
Online Published Date:  13 February 2017

How to measure your company’s culture

How can a financial services company change its culture if it cannot identify, assess or measure that culture? Samantha Tymms suggests ways to measure and monitor it, highlighting how evidence that already exists in a business can be used for a board discussion on culture.
Online Published Date:  13 February 2017

Western Union stumps up $586m settlement after abetting prolific fraud

The global money services business Western Union will pay $586 million to United States regulators after admitting criminal violations – including wilfully failing to maintain an effective anti-money laundering programme as well as aiding..
Online Published Date:  13 February 2017

ICO fines Royal & Sun £150,000 for not preventing hard-drive theft

A stolen hard drive device – with 59,592 customers’ personal and bank details – from the West Sussex office of Royal & Sun Alliance Insurance, has prompted a £150,000 fine from the Information Commissioner’s Office...
Online Published Date:  13 February 2017

Breaches still evident in some consumer credit firms handling customers in arrears

A review of firms’ policies and procedures for handling customers in early arrears showed that, despite improvements, consumer credit firms exhibit some persisting problems.The introduction of FCA regulation has brought transformation to..
Online Published Date:  13 February 2017

HSBC to refund £4m of “unreasonable” fees after lengthy whistleblower battle

A pricey 16.4% ‘debt collection charge’ levied between 2003 and 2009 by two HSBC-owned companies, has at length led to a £4 million redress scheme. This follows a campaign by whistleblower Nicholas Wilson that has wended through..
Online Published Date:  13 February 2017

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