The FCA has published its first newsletter covering insights and themes from its enforcement work.

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Source: FCA
Date: 28 January 2026

The FCA is providing a structured but flexible space where firms can test AI-driven services in real-world conditions, all with regulatory support and oversight and help from its technical partner Advai.

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Source: FCA
Date: 30 January 2026

Sheldon Mills gave a speech at the FCA’s Supercharged Sandbox Showcase event. Sheldon is leading a long-term review into AI and retail financial services, reporting to the FCA Board in the summer with recommendations to help the FCA continue to play a leading role in shaping AI-enabled financial services.

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Source: FCA
Date: 30 January 2026

David Geale, Executive Director gave a speech at the Payments Regulation and Innovation Summit 2026. He said the National Payments Vision is an opportunity to deliver a world-leading payments sector that drives growth and innovation, while serving users, facilitating competition, and ensuring security.

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Source: FCA
Date: 2 February 2026

The FCA is asking if firms can provide evidence that their customers are getting a fair deal.

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Source: FCA
Date: 2 February 2026

The Bank of England (BoE) has published its latest Money and Credit statistics for the month of December. The key figures highlight that:

• net mortgage approvals for house purchase fell by 3,100 to 61,000. By contrast, approvals for remortgaging rose by 1,600 to 38,400 in December.
• net borrowing of consumer credit by individuals decreased to £1.5 billion in December from £2.1 billion in November. Within this, net borrowing through credit cards was £0.7 billion in December, down from £1.0 billion in November. Net borrowing through other forms of consumer credit (such as car dealership finance and personal loans) decreased in December, to £0.8 billion from £1.2 billion.

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Source: BoE
Date: 30 January 2026

The Money Charity has published its statistics for January. The figures highlight that:

• inflation was 3.4%
• the average credit card debt per UK household was £2,691 in November
• the total unsecured debt per UK adult was £4,398
• the total debt, secured and unsecured, per UK household was £66,940.

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Source: The Money Charity
Date: 29 January 2026