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DP2/26 – Credit Unions: Supporting sustainable growth and resilience
The PRA and FCA have published discussion paper DP2/26 on whether the regulatory and legislative framework for credit unions remains fit for purpose to support sustainable growth and resilience. The paper covers proportionality, competition and innovation, governance and risk management, and orderly market exit, and it seeks views and evidence without proposing any policy change at this stage. It concerns the roughly 340 UK credit unions and their members.
Daten im Text: 2027-03-05 Deadline to send feedback on DP2/26 to DP2_26@bankofengland.co.uk
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Consider whether the discussion paper is relevant to your credit union business and whether a response to the consultation is warranted.
Review the questions on governance, risk management, mortgages, fixed-rate products and third-party providers if your firm operates in these areas.
The PRA consultation paper CP15/26 proposes amendments to the Credit Unions Part of the PRA Rulebook and a new chapter in SS2/23 to implement Northern Ireland credit union legislative changes, including member referral arrangements and loan participation. It concerns PRA-authorised Northern Ireland credit unions (NICUs), with the proposed implementation date of April 2027 aligned to the expected legislative effective date.
Daten im Text: 2027-04-01 Proposed implementation date for the changes resulting from CP15/26, aligned to the intended effective date of the Northern Ireland legislation (text states Apr
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Check whether the firm is a PRA-authorised NICU and therefore within scope of the proposals.
Review the proposed expectations on governance, due diligence and contractual clarity for member referral arrangements.
Consider how the proposed loan participation and additional activities changes would affect current lending and risk management.
The PRA Regulatory Digest for October 2026 is a monthly summary of PRA news and publications for people in UK financial services. It lists top publications including PS19/26 on high loan to income lending, CP13/26 on automatic thresholds indexation, CP14/26 on SM&CR Phase 2, and a cross-cutting Bank of England and FCA AI survey summary.
Daten im Text: 2026-10-28 PS19/26 high loan to income lending rules and supervisory statement take effect · 2031-07-01 Proposed first automatic update of thresholds under the CP13/26 framework
CP14/26 – Review of the Senior Managers and Certification Regime (SM&CR) – Phase 2
The PRA consultation paper CP14/26 sets out Phase 2 proposals to reform the Senior Managers and Certification Regime (SM&CR), including removing pre-approval for almost half of Senior Manager Functions and removing certification fitness and propriety assessments for about 7,700 individuals. Several elements depend on the Financial Services and Markets Bill 2026 being enacted substantially in its current form. The paper is consulted on alongside the FCA and concerns PRA-regulated firms.
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Check whether your firm's Senior Manager Functions would move from pre-approval to notification under the proposals.
Review the proposed changes to Statements of Responsibilities and Management Responsibilities Maps reporting frequency.
Consider whether current certification fitness and propriety processes would be affected by the proposed removal of certification requirements.
The PRA and FCA published final policy statement PS19/26 on high loan to income (LTI) lending, removing the firm-specific 15% cap on individual lenders' high LTI flow while keeping the aggregate limit consistent with the FPC's recommended 15%. It applies to PRA-authorised mortgage lenders and their mortgage-lender subsidiaries, and to FCA-authorised mortgage lenders that are not subsidiaries of PRA-authorised firms.
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Check whether the firm's high LTI lending strategy and risk appetite reflect the removal of the firm-specific 15% cap.
Review governance and risk management arrangements for high LTI lending against the new PRA supervisory statement SS2/26 or FCA general guidance, as applicable.
Consider how a possible gradual downward adjustment of high LTI lending would be managed if the aggregate limit becomes inconsistent with the FPC limit.
The PRA has published supervisory statement SS2/26 setting out its expectations for firms entering into high loan to income (LTI) mortgages, following policy statement PS19/26. It applies to firms in scope of the Housing Part of the PRA Rulebook, and certain expectations apply only to firms above a de minimis threshold.
Daten im Text: 2026-10-28 SS2/26 takes effect.
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Check whether the firm's regulated mortgage contracts exceed the de minimis threshold (£150 million total credit or 300 contracts across two consecutive four-quarter sets).
Review whether the firm's risk appetite limits and management information cover high LTI flow, expected future flow, concentrations and mortgage performance.
Assess whether the firm can monitor the PRA-published aggregate high LTI flow against the FPC's 15% limit and adjust future flow if required.
CP13/26 – The Prudential Regulation Authority’s automatic thresholds indexation framework
The PRA has published consultation paper CP13/26 proposing an automatic, rules-based framework to update in-scope regulatory thresholds every five years, using UK nominal GDP as the indexation metric. The paper concerns PRA-regulated firms and other firms subject to PRA requirements, including banks, building societies, designated investment firms, insurers, credit unions and third-country branches, depending on the threshold.
Daten im Text: 2031-07-01 Proposed first automatic update of in-scope thresholds under the new framework
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Check whether any of the firm's requirements depend on fixed nominal thresholds listed in the consultation appendices.
Review the consultation paper and draft Rulebook changes and indexation statement of policy to assess potential impact on the firm.
The PRA Regulatory Digest for September 2026 summarises recent PRA publications for UK financial services firms. It covers the PRA Annual Report 2025/2026 consultation outcome, a letter on thematic feedback on IFRS 9 expected credit loss accounting sent to CFOs of selected deposit-takers, the Banking taxonomy v4.1.1, a delay to the liquidity policy statement, and the CP11/26 captive insurance roundtable and Insurance taxonomy v2.2.0.
Daten im Text: 2026-10-14 CP11/26 captive insurance consultation closes · 2027-01-01 Bank of England Banking taxonomy v4.1.1 takes effect
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Check whether your firm reports against PRA001 or PRA116 entry-points and whether v4.1.1 of the Banking taxonomy must be adopted.
Review the IFRS 9 ECL thematic feedback letter against your firm's data governance, model risk and climate risk processes if your firm is a PRA-regulated deposit-taker.
Check whether the CP11/26 captive insurance consultation is relevant to your firm before its closing date.
Letter from David Bailey 'Thematic feedback on accounting for IFRS 9 expected credit losses (ECL)'
The PRA published a letter from David Bailey, Executive Director, Prudential Policy, to chief financial officers of selected PRA-regulated deposit-takers. It gives thematic feedback from the PRA's review of 2026 written auditor reports on IFRS 9 expected credit loss accounting and climate risk, covering data governance, model risk and climate risk. The letter states that it does not identify any particular firm or auditor.
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Review whether the firm's own assessment of ECL data governance, data lineage and data quality controls reflects the areas of focus in the annex.
Check the completeness of post model adjustments and whether model monitoring identifies performance issues in a timely way.
Consider whether scenario analysis is linked to ECL judgements and whether climate-related credit risk models and data are sufficiently granular.
The PRA held a captive insurance industry roundtable
The PRA held a hybrid industry roundtable on 17 September 2026 to discuss its proposals in CP11/26, a tailored regime for captive insurance. The event gave stakeholders an opportunity to ask questions and seek clarification before submitting formal consultation responses, and minutes of the roundtable were published.
Daten im Text: 2026-10-14 CP11/26 consultation closes
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