The Financial Conduct Authority (FCA), jointly with the Prudential Regulation Authority (PRA), has launched CP25/33: Regulatory fees and levies: policy proposals for 2026/27 – a consultation on proposed changes to how regulatory fees and levies will be raised from 2026/27.

CCTA View: The CCTA team will work through this to identify any concerns. As always, we would be keen to hear from any firms that have views and opinions.

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Source: FCA
Date: 21 November 2025

At the FCA’s “Economics Research Conference 2025 – Rebalancing Risk, Deepening Trust”, the regulator brought together academics, industry and government to explore how UK financial services regulation can evolve to both manage risk and foster growth.

The conference made clear that the FCA’s renewed focus is on enabling “balanced risk-taking” – not risk-aversion – to support innovation, investment and financial inclusion, while maintaining protection for consumers and market integrity.

CCTA View: This emphasis on ‘balanced risk-taking’ aligns with our call for a shift in regulatory culture – one that supports proportionate oversight without defaulting to risk-aversion that disadvantages smaller lenders

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Source: FCA
Date: 25 November 2025

The FCA has announced the arrest of three individuals in the West Midlands as part of an investigation into suspected unauthorised debt activities. Working with the National Crime Agency, the FCA executed warrants across several locations following concerns that vulnerable customers facing repossession had been targeted.

The individuals have been interviewed under caution and released on conditional bail, with the investigation ongoing.

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Source: FCA
Date: 19 November 2025

The FCA has been working hard to improve its authorisation service. Predictable and timely authorisations are essential for smaller firms planning growth, restructuring, or adjusting permissions.

They have been pushing to ensure that 99.5% of all authorisations are within the statutory deadlines. That is of most importance when it comes to creating new firms, changing control and varying permissions.

CCTA View: On occasion, CCTA members have reported FCA missing deadlines. However, we have held meetings with the authorisations team, and they seem positive about helping smaller firms grow.

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Source: FCA
Date: 19 November 2025