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By Square 4 Team | 15/05/2026

Consumer Duty in 2026: Compliance, to Culture, to Customer Advocacy

Consumer Duty has entered a materially different supervisory phase. The FCA is no longer assessing …

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By Roma Pearson - Managing Director - Regulatory & Market Strategy | 13/07/2026

FCA Motor Finance Developments: Delayed Timetable, Undiminished Expectations

The Upper Tribunal has partially suspended the FCA’s proposed industry-wide motor finance redress scheme, pending …

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By Sara Haworth - Principal Consultant & Dean Ritchie - Consultant | 26/06/2026

Low Financial Resilience and Equity Release: Why Vulnerability is the Core Advice Challenge

FCA analysis shows that low financial resilience affects a significant proportion of UK adults. The …

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By Matthew Drage - Managing Director: Technology Solutions | 26/06/2026

The Collections Journey Under the Microscope: Key Insights From Assure 4’s AI Outcomes Testing

Collections is where operational processes, customer vulnerability, affordability, communication quality and commercial decision making all …

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By Nicola Crump - Advisory Director | 16/06/2026

More Flexibility, More Accountability: What the FCA’s mortgage consultation means for firms

Last week, the FCA published a significant new consultation on mortgage lending, signalling what could …

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By Sara Haworth - Principal Consultant & Alice Buckley - Consultant | 08/06/2026

Bereavement and good outcomes – where expectation meets reality: what firms should take from the FCA’s latest review

The FCA’s latest announcement of its review into investment firms’ support for bereaved customers reinforces …

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By Darren Fisher - Senior Advisory Director | 27/05/2026

PS26/6: Senior Managers and Certification Regime review. What the FCA’s Latest SM&CR Changes Mean for Boards and Senior Managers

After several years of constructive feedback from industry, the FCA has taken a measured step …

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By Sara Haworth - Principal Consultant | 05/05/2026

Consumer Duty Board Reports: What strong reports look like – and where firms still fall short

Consumer Duty Board Reports are now a critical governance artefact. They provide Boards with an …

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Sky-high rise buildings in London for financial services.
By Lindsey Woodward - Principal Consultant | 29/04/2026

What the FCA’s Customer Due Diligence Review Really Signals

The FCA’s latest review of customer due diligence (CDD) processes doesn’t introduce new regulatory expectations; …

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By Alice Buckley - Consultant | 29/04/2026

New FCA retail disclosure regime – Understanding the New Consumer Composite Investments Regime

Background In December 2025, the FCA published a range of publications which impact UK investment …

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