Beyond The Buzz

FCA Mortgage Reforms, AML Crackdown & the Future of AI Regulation

Vicky Pearce, Rachel MacRae — Fri, 19 Jun 2026 12:13:27 +0100

This week on Beyond the Buzz, Vicky Pearce and Rachel MacRae unpack a busy week of FCA developments. The regulator is proposing greater flexibility in mortgage lending, with changes aimed at supporting borrowers with non-standard incomes and encouraging more proportionate affordability assessments.

The discussion then turns to the latest Anti-Money Laundering updates, including new risk-based due diligence expectations, crypto-related considerations, and the long-awaited conversion of key thresholds from euros to sterling.

The hosts also examine the FCA's response to industry criticism of its controversial enforcement publicity proposals, including the launch of Enforcement Watch and what the regulator's latest comments reveal about its evolving approach to transparency.

Finally, they explore the FCA's latest thinking on artificial intelligence and emerging technologies, covering governance expectations, synthetic crime risks, programmable finance, and why firms should expect increasing regulatory attention on AI without necessarily seeing new AI-specific rules.

Climate Reporting Simplification, Crypto Sponsorship Risks and Emerging Regulatory Priorities

Vicky Pearce, Rachel MacRae — Fri, 12 Jun 2026 11:50:45 +0100

In this week's episode of Beyond the Buzz, Vicky Pearce and Rachel MacRae unpack the FCA's latest quarterly consultation paper, including proposals to simplify climate-related reporting requirements for asset managers and reduce regulatory burden while maintaining meaningful disclosures for investors.

They also discuss the recent RegData submission deadline and why firms should view the FCA's Regulatory Priorities Report as more than a compliance exercise. The conversation then turns to the FCA's warning to football clubs over cryptoasset sponsorship arrangements, the regulator's continued focus on finfluencers, forthcoming changes to AML guidance, and proposals to simplify pension value assessments for consumers.

Join us as we cut through the noise and explore the latest developments shaping the regulatory landscape.

FCA Sanctions, Financial Promotions & Opportunities for Smaller Firms

Vicky Pearce, Rachel MacRae — Fri, 05 Jun 2026 12:09:52 +0100

In this episode of Beyond the Buzz, Vicky Pearce and Rachel MacRae unpack the FCA’s latest review of firms’ sanctions systems and controls, highlighting persistent weaknesses in customer due diligence, screening, alert handling, and governance. They also explore the FCA’s findings on financial promotion approvers, the importance of Consumer Duty in promotion approvals, and the regulatory risks of relying on templates and inadequate oversight.

The pair then provide a quick-fire overview of key updates from FCA Handbook Notice 141, including changes to consumer credit reporting requirements and amendments to UK EMIR clearing thresholds for commodity derivatives. Finally, they discuss the FCA’s call for new members of the Smaller Business Practitioner Panel and why it represents an important opportunity for senior leaders in smaller regulated firms to help shape future regulation.

Cyber Frontiers: Navigating Risks and Innovation in Financial Services

Vicky Pearce, Rachel MacRae — Fri, 29 May 2026 10:02:50 +0100

In this episode of Beyond the Buzz, we break down the rapid rise of frontier AI and why regulators are starting to sound the alarm. From cyber risks that could escalate at machine speed to the growing responsibility on senior management, the message is clear: doing the basics well is no longer enough.

We also explore a more supportive side of the FCA as it expands its Scale-up Unit, offering hands-on guidance for fast-growing firms navigating regulation.

Plus, we unpack a staggering real-world cyber failure that led to a £963,900 fine, showing exactly how small weaknesses can spiral into major incidents.

To round things off, we look at ChatGPT’s move into personal finance in the US and what it could mean for UK firms, advisers, and the future of financial advice.

The Duty Never Sleeps

Vicky Pearce, Rachel MacRae — Thu, 21 May 2026 16:38:59 +0100

This week on Beyond the Buzz, we unpack another busy week in financial regulation.

We start with the FCA’s ban and £755,000 fine against a former wealth management director who continued advising on DB pension transfers without the required professional indemnity insurance and why the regulator says this was a serious failure of integrity.

We also dive into the FCA’s latest Consumer Duty warning during the cost of living crisis, including what firms should be doing now to monitor outcomes, support vulnerable customers, and reassess fair value.

Plus:

The FCA’s upcoming review of bereavement processes
Nikhil Rathi’s call for a more coordinated fight against financial crime
What the King’s Speech and the proposed “Enhancing Financial Services Bill” could mean for firms

From accountability and affordability to regulatory reform, we break down the key developments and what they mean in practice for advisers and firms alike.

Bereavement Reviews, Consumer Duty Pressures and AI Compliance in Focus

Vicky Pearce, Rachel MacRae — Fri, 15 May 2026 12:39:01 +0100

Rachel Macrae and Vicky Pearce unpack another busy week in financial services regulation, covering the FCA’s upcoming bereavement review, new Regulatory Priorities returns, and growing scrutiny around vulnerable customer outcomes under Consumer Duty.

They also discuss the ongoing debate around fair value assessments, recent enforcement action linked to unlawful financial promotions, and the importance of strong governance when using AI in regulated firms following the publication of their latest article in the PIMFA Journal.

Simplifying Financial Promotions

Vicky Pearce, Rachel MacRae — Fri, 08 May 2026 11:43:35 +0100

In this episode of Beyond the Buzz, Vicky Pearce and Rachel MacRae unpack the latest FCA developments, including proposals to simplify consumer credit financial promotions, cyber resilience insights, ECCTA information sharing, SM&CR reforms, fund tokenisation, and the FCA’s growing focus on anti-greenwashing.

A practical look at the key regulatory updates firms should have on their radar.

A mixed forecast for compliance this week

Vicky Pearce, Rachel MacRae — Fri, 01 May 2026 13:14:52 +0100

In this episode we cover the latest SM&CR updates and what they mean in practice, including changes to criminal record checks, the 12 week rule and certification processes. We also look at the FCA’s expectations around oversight of inactive ARs, before rounding up recent Consumer Duty developments and key takeaways for firms.

Consumer Duty Board Reporting: Lessons from Year Two

Vicky Pearce, Rachel MacRae — Fri, 24 Apr 2026 11:52:36 +0100

In this episode, we unpack the FCA’s latest reflections on year two Consumer Duty Board Reports and what boards should be focusing on as the third reporting cycle approaches. We discuss where firms are making progress, common weaknesses still being flagged by the regulator, and what good, outcome‑focused reporting really looks like in practice. We also touch on the ongoing scrutiny around financial promotions, recent updates on risk warnings, and other regulatory developments firms should have on their radar as they plan ahead for the year.

Operational Resilience After the Deadline

Vicky Pearce, Rachel MacRae — Fri, 10 Apr 2026 11:24:04 +0100

Vicky Pearce and Rachel MacRae unpack the FCA’s latest operational resilience observations, from mapping and testing to embedding resilience into wider risk frameworks and board decision-making. They also look at what recent cloud outages, cyber incidents and third-party risks mean for firms now, plus a quick update on the FSCS MELL for 2026-27.

Simpler Advice or Higher Expectations? Breaking Down the FCA’s Latest Plans

Vicky Pearce, Rachel MacRae — Thu, 02 Apr 2026 13:11:10 +0100

This week on Beyond the Buzz, Vicky and Rachel break down two major FCA consultations shaping the future of advice. From a more proportionate approach to suitability and flexible ongoing reviews, to proposed fee changes and new operational guidance, they explore what these updates mean in practice. Plus, a look at targeted support and the latest scrutiny around the British Steel Pension Scheme .

Complaints, Harm and Reporting: A Busy FCA Week

Vicky Pearce, Rachel MacRae — Fri, 27 Mar 2026 11:43:47 +0000

In this episode of Beyond the Buzz, Vicky and Rachel break down key FCA and FOS updates, including proposed complaints handling reforms, new expectations on proactive consumer redress, and upcoming changes to incident and third-party reporting.

The focus is clear: earlier action, stronger governance, and more consistent, transparent processes.

FCA Priorities, Consumer Understanding and the Thin Grey Line

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 11:41:26 +0000

In this episode, Vicky and Rachel explore the FCA’s latest priorities across pensions and mortgages, focusing on value for money, consumer support, innovation, and the continued central role of Consumer Duty. They then unpack the regulator’s findings on consumer understanding, highlighting the need for evidence-based communication, effective testing, and stronger governance rather than assumptions.

The discussion also covers higher-risk areas, including second charge mortgages and the importance of clear advice, affordability assessments, and record-keeping. Finally, they examine the fine line between helping clients understand past advice and straying into regulated complaints activity, emphasising the need for clear internal boundaries, consistency, and strong controls across firms.

Regulatory Round-Up: FCA Priorities, Targeted Support and the Rising Role of Inheritance Tax

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 11:39:36 +0000

In this episode, Rachel and Vicky unpack key regulatory developments for advisers and wealth managers, including the FCA’s consumer investment priorities and expectations around communication, governance, Consumer Duty and financial crime controls. They also cover updates from Quarterly Consultation Paper No. 51, including CCR009 reporting and changes to the authorisation process. Finally, they explore the targeted support gateway and key Spring Statement messages on inheritance tax, highlighting what firms should consider when reviewing compliance frameworks, reporting and client communications.

Raising Standards, Regulatory Priorities and SDR: What the FCA’s Latest Moves Mean for You

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 11:38:24 +0000

In this episode, Rachel MacRae and Vicky Pearce break down key takeaways from the FCA’s Raising Standards seminar, including increased engagement with compliance consultants and a shift toward publishing good and poor practice examples. They cover upcoming changes such as the CCR009 return, the Credit Information Market Study, and new sector-based Regulatory Priorities reports, with a focus on insurance and Consumer Duty. The episode also touches on SDR fund labelling and the importance of reviewing disclosures, before closing with a look at industry views on compliance and what firms want from their compliance partners.

Regulation on the Move: Consumer Duty, AR Reform and Staying Scam-Savvy

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 11:36:47 +0000

In this episode of the B-Compliant Podcast, Rachel MacRae and Vicky Pearce unpack a series of recent regulatory and supervisory developments, using only the FCA, HM Treasury, Upper Tribunal and FOS updates provided. They explore the FCA’s shift towards an outcomes-based approach under Consumer Duty, HM Treasury’s proposed reforms to the Appointed Representatives regime, and a significant Upper Tribunal decision upholding FCA bans and penalties over unsuitable pension investments. They also discuss the Financial Ombudsman Service’s warning about increasingly sophisticated financial scams and what this means for advisers. The conversation remains professional yet lightly sarcastic, highlighting the practical implications for firms seeking to evidence good consumer outcomes, maintain robust governance and protect clients in a fast-evolving risk landscape.

From FCA Applications to Education Champions: A Week in Compliance

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 11:35:22 +0000

In this episode, we take a practical look at what’s really happening with FCA authorisation applications, exploring early signs that technology and new processes may be speeding things up, even if allocation delays remain. We also dive into the ongoing debate around compliance, questioning whether it’s genuinely a barrier to good financial planning or simply an easy scapegoat for wider operational challenges. Finally, we highlight the Personal Finance Society’s Education Champions initiative, a positive step towards improving financial confidence and capability for the next generation.

Regulatory Round-Up: Innovation, Fair Value and Recent FCA Actions

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 11:32:56 +0000

In this episode, we bring together key regulatory messages from the FCA, FOS, and Bank of England, focusing on innovation, trust, and fair value. We explore the FCA’s call for responsible innovation within insurance, alongside its continued emphasis on Consumer Duty and delivering measurable fair value for customers. We also examine the enforcement action against Advantage Wealth Management, highlighting the importance of strong governance, cooperation, and robust systems and controls.

Finally, we look at the latest complaints data from the Financial Ombudsman Service, noting improved efficiency and falling volumes, and round off with the Bank of England’s decision to hold interest rates, reflecting ongoing caution around inflation. A concise overview of the key themes shaping regulation and market conditions.

Inside FCA's Latest Moves on Protection and Compliance

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 11:31:27 +0000

In this episode, we unpack the FCA’s comprehensive Pure Protection Market Study, exploring gaps in consumer understanding despite high claims acceptance rates and what this means for advisers under Consumer Duty. We dive into distribution models and commission structures, highlighting the regulator’s focus on fair value, governance, and transparency across the product lifecycle. Finally, we cover wider FCA updates, including developments in AI oversight, UCITS compliance extensions, and the launch of the new Enforcement Watch newsletter, helping firms stay ahead of emerging risks and regulatory priorities.

Navigating FCA Updates and AI Risks

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 11:30:09 +0000

In this episode, we explore the FCA’s push to streamline the authorisation process, with faster turnaround times, improved transparency, and greater use of digital tools like PASS and Connect. We also look at growing concerns around AI regulation, including calls for clearer guidance, stronger oversight, and better risk management as adoption accelerates across financial services. Finally, we cover a major FCA enforcement case on pension misconduct, highlighting the importance of integrity, robust governance, and personal accountability in protecting consumers and maintaining trust in the industry.

Navigating Consumer Duty and New Financial Changes

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 11:27:39 +0000

In this episode, we explore the FCA’s review of Consumer Duty in the mutual life insurance sector, highlighting the importance of clear target markets, strong management information, and evidencing fair value. We also discuss the Financial Ombudsman Service’s plans to speed up complaint handling and what this means in practice, before looking at updates to levies, inheritance tax relief changes, and cross-border operational resilience. A practical look at improving outcomes, reducing uncertainty, and strengthening firm-wide resilience.

Navigating New Pension Rules and FCA Updates

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 11:23:51 +0000

In this episode, we explore proposed pension transparency and value-for-money rules, including new reporting standards and a colour-coded rating system designed to help savers compare outcomes more easily. We also discuss the latest extension to the derivatives trading obligation and what it means for cross-border activity, before looking at recent FCA enforcement action and the importance of transparency and regulatory engagement. A practical look at improving outcomes, maintaining resilience, and staying on the right side of compliance.

FCA, AEOI, and Compliance Updates for 2025

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 11:21:20 +0000

In this episode, we explore the upcoming AEOI registration deadline and what it means for firms and trusts that may fall within scope. We also unpack major developments across mortgages, retail investments, and the new targeted support regime, alongside the shift to the Consumer Composite Investments disclosure framework. Finally, we look at the FCA’s updated approach to non-financial misconduct and recent insurance reforms, highlighting the move toward more proportionate, outcomes-focused regulation. A comprehensive wrap-up of key changes shaping 2026 and beyond.

Regulatory Reforms and Innovations

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 11:19:17 +0000

In this episode, we explore the FCA’s latest consultation on client categorisation and the shift toward more qualitative, outcome-based assessments with stronger evidencing requirements. We also unpack proposed Handbook simplifications, including updates to CASS and COLL, before looking at changes in the pensions space, from more engaging digital tools to improved transfer disclosures and the potential introduction of a provisional licence regime. A practical look at how firms can adapt to evolving expectations while balancing innovation and compliance.

FCA's 2026 Compliance Shake-Up

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 11:17:02 +0000

In this episode, we explore the FCA’s plans to simplify complaints reporting and what the new single return means for firms, including changes to vulnerability data and reporting structures. We also discuss the regulation of ESG ratings providers and how this could strengthen transparency and reduce greenwashing risk, before looking at recent developments in AML supervision and the growing use of AI in financial services. A practical look at how firms can adapt to clearer reporting, stronger oversight, and emerging technologies.

Fee Changes, Data Quality, and Insider Dealing Cases

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 11:06:47 +0000

In this episode, we break down the FCA’s latest consultation on fees and levies, including what proposed changes could mean for firms offering targeted support and those entering the cryptoasset space. We also explore ongoing challenges with prudential reporting and data quality under MIFIDPRU, before highlighting key post-Budget dates advisers need on their radar. Finally, we look at recent insider dealing enforcement and the growing importance of strong financial crime controls and AI governance. A practical guide to staying accurate, prepared, and compliant in a changing regulatory landscape.

FCA Updates, Deposit Protection, and AI in Financial Services

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 11:03:26 +0000

This episode delves into the FCA's refreshed policy on statutory investigations, the PRA's new deposit protection limit, and the latest on AI compliance in finance. Vicky and Rachel break down key regulatory changes, practical responses, and how innovation can be managed securely.

Modernising Risk Assessment and Mortgage Markets

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 11:02:05 +0000

In this episode, we explore the FCA’s multi-firm review of risk assessments and why firms need to move beyond static, tick-box approaches toward dynamic, evidence-based frameworks. We also discuss the FCA’s vision for reshaping the mortgage market, including innovation in affordability and more joined-up advice, before looking at global collaboration on AI and what it means for the future of financial services. A practical look at strengthening risk management, embracing innovation, and preparing for change.

Budget Predictions, Advice Risks, and Financial Inclusion

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 11:00:53 +0000

In this episode, we unpack the build-up to the Autumn Budget and why advisers should avoid acting on speculation, focusing instead on evidence-based planning. We also explore a recent Financial Ombudsman case highlighting the risks of failing to deliver ongoing advice services, before discussing the FCA’s push for greater financial inclusion and capability. A practical look at balancing client expectations, delivering on commitments, and supporting better outcomes.

FCA Insights: Sector Consolidation, Data Protection, and ESG Regulation

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 10:59:04 +0000

In this episode, we explore the FCA’s latest review into consolidation across the advice and wealth sector, highlighting both good practice and the risks around governance, debt, and integration. We also discuss the FCA’s first prosecution under the Data Protection Act and what it means for firms’ controls and culture, before looking at new developments in ESG regulation and recent FCA Handbook updates. A practical look at managing growth, strengthening data protection, and staying ahead of regulatory change.

Spotlight on Client Categorisation, AML Weaknesses, and Sector Resilience

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 10:57:38 +0000

In this episode, we explore the FCA’s latest review into client categorisation and the risks of relying on tick-box assessments rather than robust, evidence-based processes. We also examine findings on weaknesses in AML frameworks and what the move toward a single AML supervisor could mean for firms, before looking at sector resilience and a recent enforcement case highlighting the importance of integrity and accountability. A practical look at strengthening controls, governance, and long-term resilience.

Capital Rules, Tokenisation, and Staying Secure

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 10:56:05 +0000

In this episode, we explore the FCA’s latest changes to regulatory capital rules for investment firms and what the move away from bank-based frameworks means in practice. We also dive into the future of fund tokenisation and how new proposals could transform operations and investor access, before looking at recent data breach cases and enforcement action that highlight the importance of strong systems, controls, and governance. A practical look at managing risk, embracing innovation, and staying compliant in a rapidly evolving landscape.

Regulatory Shifts in Financial Services

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 10:54:05 +0000

In this episode, we break down the FCA’s latest MiFID updates and what the move into the Handbook means for firms in practice. We also explore the joint regulator crackdown on poor claims management practices and the importance of transparency and client verification, before looking ahead to the UK’s transition to T+1 settlement and emerging unemployment insurance reforms. A practical guide to staying prepared as regulatory and operational changes continue to evolve.

FCA Consumer Duty, Cyber Threats, and Key Regulatory Updates

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 10:48:57 +0000

In this episode, we explore the FCA’s plans to refine Consumer Duty for wholesale firms, focusing on proportionality, clearer responsibilities in distribution chains, and potential changes to client categorisation. We also discuss the regulator’s five-year strategy for smarter, more efficient regulation, before turning to rising cyber threats and the importance of staff awareness. Finally, we round up key updates from FCA Handbook Notice 133 and what they mean in practice. A practical look at how firms can navigate change while staying compliant.

FCA Targeted Support and Compliance Updates

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 10:46:14 +0000

In this episode, we unpack the FCA’s latest consultation on targeted support and the wide-ranging Handbook changes that could reshape how firms bridge the advice gap. We also clarify the rules around pension lump sums and cancellation rights, before looking at a recent data breach case and what it means for fraud risk and data protection controls. A practical overview of evolving expectations and how firms can stay ahead.

FCA’s New Focus: Protection, Penalties, and Persistent Problems

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 10:44:35 +0000

In this episode, we explore the FCA’s latest findings on protection products, focusing on vulnerable customers, persistency risks, and the importance of ongoing client engagement. We also discuss the growing role of AI in financial advice and how firms can balance innovation with strong governance, before looking at LISA withdrawal penalties and the ongoing risks of historic pension complaints. A practical look at how firms can strengthen advice, improve understanding, and protect themselves over the long term.

Navigating FCA Website Changes and Consultation Updates

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 10:42:47 +0000

In this episode, we explore the FCA’s new Handbook website and what firms need to know as the transition away from the old system approaches. We also break down common pitfalls in authorisation applications and how to get them right first time, before looking at the latest consultation aimed at reducing reporting burdens. A practical discussion on adapting to change, avoiding delays, and making compliance more efficient.

Advising the Affluent, Safeguarding the Vulnerable

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 10:41:36 +0000

In this episode, we explore the lessons from Football’s Financial Shame and what it reveals about vulnerability, poor advice, and the importance of strong governance when working with high-net-worth clients. We also look at emerging scam tactics targeting firms and how to strengthen defences, before discussing how advisers can navigate Budget uncertainty responsibly without reacting to speculation. A practical reminder that good advice, strong culture, and client protection remain at the heart of compliance.

Major FCA Compliance Updates and What Firms Need to Watch

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 10:37:26 +0000

In this episode, we explore the rise in FCA lookalike email scams and what firms can do to protect themselves from increasingly sophisticated phishing attempts. We also discuss recent changes to FCA reporting requirements, including the removal of nil returns, before revisiting pension transfer processes and the importance of balancing efficiency with “positive friction” under Consumer Duty. A practical look at staying vigilant, reducing admin burden, and delivering better outcomes for clients.

Quality Over Quantity in Compliance Updates

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 10:32:27 +0000

In this episode, we explore the growing use of synthetic data and how it can support testing, training, and stronger governance without risking client confidentiality. We also discuss the rise of “SuperSARs” and what they mean for financial crime oversight and senior management accountability, before rounding up key Budget rumours, Consumer Duty challenges, and practical compliance reminders. A timely look at how firms can stay proactive in a fast-evolving regulatory landscape.

Beyond the Review: Lessons from Pension Transfers, Fees, and Whistleblowing

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 10:24:08 +0000

In this episode, we explore the FCA’s latest pension transfer review and what it reveals about delivering good outcomes, balancing efficiency with “positive friction,” and strengthening oversight through better data and communication. We also discuss proposed changes to FOS case fees and how they could reshape complaint handling, before looking at rising whistleblowing trends and what they mean for firm culture and governance. A practical look at how firms can refine processes, improve outcomes, and build a stronger compliance culture.

FCA Redress, Recordkeeping, and Crypto: Regulatory Shifts in Focus

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 10:20:29 +0000

In this episode, we explore the FCA’s proposed motor finance redress scheme and what it signals for a more proactive, regulator-led approach to compensation. We also discuss the challenges of off-channel communications and the importance of effective surveillance and culture, before looking at developments in crypto investment products and recent enforcement action highlighting senior accountability. A practical look at how firms can prepare for a shifting regulatory and compliance landscape.

Digital Journeys, Data Quality, and Honesty in Compliance

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 10:04:05 +0000

In this episode, we explore the FCA’s latest findings on digital customer journeys and how firms can balance speed with clarity to deliver better outcomes. We also discuss the growing importance of data quality and governance, before highlighting a recent enforcement case that reinforces why honesty and transparency with the regulator are essential. A practical look at how firms can strengthen their processes, data, and culture to stay compliant.

Navigating the New Rules: Pensions, Mortgages, and Data Sharing

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 10:02:36 +0000

In this episode, we unpack the upcoming changes to inheritance tax on pension wealth and what they mean for estate planning, beneficiaries, and advisers. We also explore new expectations around clearer mortgage communications under Consumer Duty, before looking at updates in data sharing, cyber resilience, and financial crime risk. A practical guide to helping firms stay prepared in an increasingly complex regulatory landscape.

SM&CR Reforms, Redress Overhaul, and AML Fines

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 10:00:58 +0000

In this episode, we explore proposed reforms to the Senior Managers and Certification Regime and what they could mean for firms looking to reduce administrative burden while maintaining strong governance. We also discuss upcoming changes to the complaints and redress framework, including the introduction of a potential longstop period, before looking at faster authorisations and recent enforcement action highlighting the FCA’s continued focus on financial crime. A practical overview of key regulatory changes and what firms should be preparing for.

PEPs, Mortgages, and Modernisation

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 09:59:45 +0000

In this episode, we unpack the FCA’s latest guidance on politically exposed persons and what the shift toward a more proportionate, risk-based approach means for firms. We also explore updates to mortgage lending rules and client categorisation, before turning to recent enforcement action and the growing role of technology in tackling financial crime. A practical look at key regulatory changes and how firms can stay compliant.

Bridging the Advice Gap

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 09:58:10 +0000

In this episode, we explore the FCA’s proposals to bridge the advice gap through targeted support, and what this could mean for firms offering pensions and investment services. We also discuss new conduct rules on non-financial misconduct and their impact on firm culture, before rounding up key compliance deadlines, regulatory fees, and practical steps firms should be taking now. A clear and practical guide to some of the most important developments shaping the advice landscape.

Mortgage Rules in Transition

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 09:56:55 +0000

In this episode, we explore the FCA’s latest discussion paper on mortgage affordability and what proposed changes could mean for first-time buyers and lenders. We also look at later-life lending and the push for more holistic, flexible advice, before covering updates to reporting requirements and the shift toward a more data-driven approach to compliance. A practical look at how mortgage regulation is evolving and what firms should be thinking about next.

Cracking Down on Crime and Compliance

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 09:52:07 +0000

In this episode, we unpack a major FCA insider trading case, exploring how market abuse was uncovered and what it means for firms’ controls and culture. We also look at the Bank of England’s latest interest rate decision and its wider impact, before discussing the FCA’s renewed focus on its five-year plan, including financial crime, innovation, and proportionate regulation. A practical discussion on enforcement, economic pressures, and the future direction of regulation.

Retirement Income Advice Shifts and FCA Innovations

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 09:50:17 +0000

In this episode, we explore the FCA’s latest findings on retirement income advice, highlighting good practice and common pitfalls in areas like fact-finding, risk profiling, and income sustainability. We also take a look at the new Investment Advice Assessment Tool and how firms can use it to benchmark suitability and prepare for scrutiny. Finally, we cover key market developments, including the proposed PISCES platform and what it could mean for private market investing.

Data-Led Supervision, Scam Threats & Finfluencer Fallout

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 09:48:08 +0000

In this episode, we break down the FCA’s upcoming Section 165 information request and what firms should do now to prepare. We also cover changes to enforcement and the global crackdown on finfluencers, before looking at the rise in FCA impersonation scams and how firms can strengthen their cyber resilience. Finally, we explore major pension reforms and proposed changes to FOS compensation interest rates, and what they could mean for advisers and clients.

Crypto, Compliance & the Changing Pensions Landscape

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 09:47:18 +0000

In this episode, we explore the FCA’s large-scale review of regulatory data affecting thousands of firms and what it means for permissions and compliance records. We also break down the latest crypto consultations, including new rules for stablecoins, custody, and financial resilience, before turning to pensions and the potential shake-up of salary sacrifice. A clear and practical look at key regulatory developments and how firms can stay prepared.

Navigating FCA's New Landscape

Vicky Pearce, Rachel MacRae — Thu, 19 Mar 2026 09:45:26 +0000

In this episode, we unpack the FCA’s latest plans to simplify the insurance rulebook, cutting outdated requirements and giving firms greater flexibility. We also explore the rising threat of cyberattacks and what businesses can do to protect themselves, before diving into new rules on investment research payments designed to support smaller firms and boost competition. A practical look at how regulation is evolving and what it means for firms and consumers alike.

AI Live Testing: Innovation in UK Financial Services

Vicky Pearce, Rachel MacRae — Tue, 17 Mar 2026 18:49:08 +0000

Explore the FCA's new AI Live Testing initiative, its implications for financial services, and the shifting landscape of crypto regulation. Join Vicky and Rachel as they unpack these developments and offer insights into compliance challenges and opportunities.

FCA Simplifies Rules and Enhances Compliance Tools

Vicky Pearce, Rachel MacRae — Tue, 17 Mar 2026 16:43:58 +0000

This episode examines the FCA's latest regulatory updates, including proposals to simplify capital rules under MIFIDPRU 3 and the My FCA platform to streamline compliance management. We also discuss reporting requirement updates and innovations in listing regimes, highlighting what these changes mean for firms and market participants.

FCA Updates: Simplification, Consumer Impact, and Enforcement Trends

Vicky Pearce, Rachel MacRae — Tue, 17 Mar 2026 16:07:58 +0000

This episode covers the FCA's latest moves, from proposals like CP25/8 to cut redundant reporting and CP25/9 to simplify consumer disclosures, to tough enforcement actions against firms like NatWest and Santander for AML violations. We examine the regulator's goals for reducing red tape, improving consumer understanding, and strengthening industry compliance in an evolving financial landscape.

FCA's Vision for 2025

Vicky Pearce, Rachel MacRae — Tue, 17 Mar 2026 15:35:07 +0000

This episode covers the FCA's strategic priorities for 2025/26, focusing on smarter regulation, consumer empowerment, responsible AI adoption, and tackling financial crime. Discover how innovations like the My FCA portal and mandatory identity verification at Companies House aim to simplify compliance and strengthen industry integrity. We also discuss the FCA's goals for positioning the UK as a global hub for sustainable finance.

Children's Data Protection, Changes to FSCS and Addressing Market Volatility

Vicky Pearce, Rachel MacRae — Tue, 17 Mar 2026 14:52:37 +0000

This episode examines key compliance topics in financial services, including protecting children's data rights, preparing for changes to FSCS deposit limits, and addressing challenges posed by market volatility and complaints. We discuss strategies for firms to enhance transparency, accountability, and proactive compliance management. Stay informed with actionable insights on navigating the evolving regulatory environment.

UK Financial Reforms and Regulatory Updates 2025-2030

Vicky Pearce, Rachel MacRae — Tue, 17 Mar 2026 13:58:21 +0000

This episode discusses the Spring Budget highlights, including ISA simplification and non-domiciled taxation reforms aimed at boosting UK competitiveness. We also cover the FCA's Consumer Duty updates and strategic goals for 2025-2030, along with HMRC’s digital compliance initiatives and challenges that advisors and SMEs face with fiscal drag and R&D tax relief consultations.

FCA Compliance Insights and Governance Trends

Vicky Pearce, Rachel MacRae — Tue, 17 Mar 2026 12:53:59 +0000

In this episode, Vicky and Rachel discuss aligning with the FCA's Consumer Duty, including actionable advice for competency benchmarks and fiduciary duties. They spotlight the Crispin Odey case on non-financial misconduct and its ethical implications, alongside the FCA's focus on policy transparency in the insurance market. Key questions and recent reports inform proactive strategies for compliance teams.

FCA Approvals, Liquidity Risks, and Policy Shifts

Vicky Pearce, Rachel MacRae — Tue, 17 Mar 2026 11:40:10 +0000

This episode covers the FCA's latest updates, including competency interviews, SMF application changes, and the retraction of the "name and shame" policy. The B-Compliant team shares insights on governance issues, liquidity risk management, and strategies for staying ahead in compliance. We also explore the regulatory transitions affecting businesses and their preparation challenges.

Welcome to Beyond The Buzz Podcast

Vicky Pearce, Rachel MacRae — Tue, 17 Mar 2026 08:48:17 +0000

Welcome to the first episode of our Weekly Regulatory Roundup, part of Beyond the Buzz.

In this episode, Vicky Pearce, founder of B-Compliant, and Rachel MacRae, Senior Compliance Consultant, introduce the series and explain why they created it.

Compliance can often feel technical, overwhelming, and easy to put off. This series is designed to make it more accessible, more practical, and more relevant to the day-to-day running of your firm.

The Weekly Regulatory Roundup is focused on FCA-regulated firms, particularly in financial advice and wealth management. Each episode will break down the latest regulatory developments, explain why they matter, and highlight what firms may need to think about next.

If you are looking for straightforward updates and relevant takeaways you can actually use, this series is for you.

Stay compliant, and we will see you next week.