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FCA · Tham vấn · · Trung bình
DP26/2: Guided Retirement
The FCA, DWP and The Pensions Regulator published a joint Discussion Paper seeking views on proposals for a Guided Retirement framework in contract-based and trust-based workplace pension schemes. It concerns firms operating contract-based workplace pensions, trustees and sponsors, pension service providers and other stakeholders, and it proposes building on the COBS 9B targeted support conduct framework for contract-based providers.
Các ngày trong văn bản: 2026-11-03 Discussion Paper opens · 2026-12-22 Deadline for submitting consultation responses
Các việc cần kiểm tra
Review the Discussion Paper proposals on Guided Retirement and assess their potential relevance to contract-based workplace pension offerings.
Consider whether to submit a consultation response by the stated deadline.
CP26/37: Senior Managers and Certification Regime (SM&CR) Review: Phase 2
The FCA consults on the second phase of its review of the Senior Managers and Certification Regime (SM&CR), proposing to streamline senior manager applications, reduce the number of firms in the Enhanced regime, remove the Certification Regime and simplify Conduct Rule training and breach reporting thresholds. It applies to all firms in scope of the SM&CR, including third-country branches, and to cryptoasset firms expected to come into scope.
Các ngày trong văn bản: 2026-10-22 Consultation opens · 2027-01-22 Deadline to send comments on CP26/37 · 2027-06-30 Expected publication of final rules in a Policy Statement in the first half of 2027
Các việc cần kiểm tra
Check whether any of your current SMF roles would be affected by the proposed removal or notification changes.
Review the proposed changes to Statements of Responsibilities, Management Responsibilities Maps, Conduct Rule training and breach reporting thresholds against your current processes.
Consider whether your firm would be affected by the proposed change to Enhanced regime thresholds, and whether to respond by 22 January 2027.
The FCA published findings from its consumer finance supervisory work on how firms assess, evidence and monitor fair value under the Consumer Duty, highlighting good practice and areas for improvement under the price and value outcome in PRIN 2A.4 and chapter 7 of guidance FG22/5. It also shares observations on communicating fees and charges and preventing foreseeable harm from repeat or cumulative charges. The publication states that its examples do not create new requirements, and it is of interest mainly to consumer finance firms subject to the Consumer Duty.
Các việc cần kiểm tra
Check whether fair value assessments include all financial and non-financial costs, such as consumers' time and effort, alongside expected benefits.
Review whether fair value conclusions are supported by sufficient evidence, management information and customer outcome data, including for customer groups with characteristics of vulnerability.
Review how fees and charges are communicated and whether controls such as limits on repeat or cumulative charges are monitored for effectiveness.
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.
Các việc cần kiểm tra
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.
Central Bank of Ireland Publishes Annual NCID Private Motor Insurance Report and additional research on the factors driving the cost of motor insurance
The Central Bank of Ireland published its annual Private Motor Insurance Report based on the National Claims Information Database (NCID), together with additional research on the cost drivers of motor insurance premiums. The publications report that average private motor insurance costs rose year-on-year in 2025 but showed a decreasing trend in the last two quarters, and break down how premiums are used, including claims, expenses, commissions and profit.
CSA updates non-GAAP and other financial measures disclosure rules ahead of IFRS 18
The Canadian Securities Administrators published in final form amendments to National Instrument 52-112 on non-GAAP and other financial measures disclosure, ahead of IFRS 18. The source text provided is truncated, so the full scope, effective date and transition provisions could not be confirmed from the material available.
Các việc cần kiểm tra
Check whether the final amendments apply to your entity's public disclosures and the effective date stated in the full CSA notice.
Review current non-GAAP and other financial measures disclosures against the amended requirements once the full text is available.
FINMA’s supervision of the asset and wealth management sector in Switzerland
FINMA's Stefan Walter gave a speech in Ticino on FINMA's supervision of the asset and wealth management sector, citing market figures for client assets managed by banks, securities firms and collective asset managers. The speech states that FINMA monitors the sector closely because of the trust-based nature of the business and its key risks, such as loss of client assets and reputational damage. The text provided is truncated before its conclusion.
Préparation des prochains états de durabilité : l'AMF attire l’attention des sociétés cotées sur les recommandations 2026 de l'ESMA
The AMF draws listed companies' attention to ESMA's 2026 European Common Enforcement Priorities for sustainability statements, published 13 October 2026, covering the third year of CSRD application. The priorities focus on double materiality analysis and on consistency between impacts, risks and opportunities, policies, actions, targets and indicators, with specific attention to ESRS E1 and S1.
Các việc cần kiểm tra
Check whether the company's materiality process disclosure explains methodology and any thresholds used, and covers the value chain.
Review consistency between material IROs, policies, actions and targets, including the scope of GHG inventory and reduction targets.
Confirm transparency on which ESRS version (Set 1, Set 2 or Set 1 with listed relief) is used for the 2026 reporting.
L'AMF et l'ACPR encouragent les professionnels à poursuivre leurs efforts dans l’application de la réglementation lors de la commercialisation de produits d’épargne et d’instruments financiers
The AMF and ACPR published a joint summary of about sixty controls carried out between 2020 and 2024 on the marketing of financial instruments and life insurance contracts to retail clients. The document is educational, highlights recurring shortcomings and points of attention, and recalls the authorities' expectations, without assessing overall compliance. It concerns distributors of financial instruments and life insurance.
Các việc cần kiểm tra
Check whether target market definitions are sufficiently granular and distinguish negative target market from marketing outside the target market.
Review whether client information gathering supports individual, non-standardised advice.
Verify that conflicts of interest, including links between the distributor and its partners, are recorded in the conflicts map and subject to prevention measures.