This site uses cookies. By continuing to browse the site you are agreeing to our use of cookies. Find out more here.


Alan Hughes: The lessons to be learned from Sesame 'pay to play' fine

20 November 2014

The lessons to be learned from the regulator’s recent decisions on inducements


Tony Mudd: Long-term care requires joined-up thinking

20 November 2014

With great responsibility comes the need for collaboration


FCA: What we are doing to prevent future fund collapses

21 October 2014

Our new cradle-to-grave fund supervision team will help us spot risks earlier.

Comments (5)


Adam Samuel: Don't fall into the products trap

14 October 2014

FSCS levy payers have an interest in ensuring new products come under scrutiny.

Comments (8)


'Danger' in advice to borrowers to suspend pension payments

1 October 2014 | By Tessa Norman

Lenders’ policies on pension contributions are pushing some to consider ceasing payments. 

Comments (4)


Linda Smith: Advising cross border within the EU

25 September 2014

In the coming years, we are likely to see the debate about the UK’s place in the European Union intensify.


Why did the Scottish No campaign not talk about mortgage uncertainty?

18 September 2014 | By Devraj Ray

Brokers argue that the uncertainty around a currency split and mortgage lending should have been a main feature of the No campaign

Comments (1)


Richard Leeson: RDR poses pitfalls for asset gatherers

16 September 2014

The asset-gathering business model is a potential cause for concern, particularly when it comes to product suitability

Comments (2)


Adam Samuel: Wielding the power of attorney

29 August 2014

Grey areas can emerge when trying to meet the interests of your customers, especially in areas such as power of attorney


Falling securitisation costs could spark wave of new lenders

29 August 2014 | By Devraj Ray

Proposed changes to the Solvency II directive would bring down the cost of securitising, which some say will lead to new lenders.


Ian McKenna: Would guidance be better as a short-term fix?

26 August 2014

A huge amount of time and money is about to be spent because the Chancellor did not fully think through the implication of the guidance guarantee. 

Comments (1)


Financial planning is not just a marketing label

17 July 2014

Use the quieter summer months to determine which areas of your business might benefit from a modular charging structure

Comments (6)


Adam Samuel: The problem with high net worth clients

15 July 2014

Higher net worth clients may seem desirable but can pose all kinds of compliance and legal problems.

Comments (5)


Meeting the FCA's rules on costs disclosure

6 July 2014

The FCA has indicated increasing intolerance for non-compliance, so we are likely to see regulatory action if there is no improvement.

Comments (1)


Richard Leeson: Lack of asset due diligence is prompting complaints

19 June 2014

Advisers sometimes overlook the appropriateness of underlying risk assets, resulting in complaints.

Comments (1)


Foot Anstey: Non-compete clauses - the most powerful weapon for employers

27 May 2014

Non-competition clauses are typically kept short but a recent High Court decision upheld a 12 month non-competition covenant.


Peter Hamilton: How should advisers correct mistakes?

12 May 2014

Financial services businesses can usually rely on written communications to correct a genuine error but firms should take care to ensure all communications are fair

Comments (3)


Alan Hughes: The FCA pulls few punches on disclosure failings

28 April 2014

Firms which continue to fail to set out charges clearly can expect to get short shrift from the regulator.


Phil Wickenden: Segmentation challenges

11 December 2014

Advisers can no longer afford to treat all clients as equal

Spotlight on regulation: More clarification needed

4 December 2014

Despite a recent FCA paper on the subject, it seems unlikely many simplified advice models will launch anytime soon


Richard Leeson: Advisers, providers and client satisfaction

13 November 2014

The FCA is intent on examining advisers’ delivery of service commitments more closely


Is the Bank of England overstepping the regulatory mark on LTVs?

10 October 2014 | By Devraj Ray

Brokers say the BoE has once again confused the market with its latest request for powers to control loan-to-value ratios

Comments (1)

Roderic Rennison: Understanding and managing conduct risk

9 October 2014

The FCA has made it clear it is determined to create a culture of good conduct at every level of the financial services industry


What drove the pre-MMR non-income verified sales surge?

3 October 2014 | By Devraj Ray

The FCA claims lenders “filled their boots” on non-income verified mortgage sales in the final run-up to the Mortgage Market Review.


Peter Hamilton: Reasonable doubts over FOS rulings

2 October 2014

The law is relatively well understood, but it’s difficult to know how the FOS will decide that same problem based on what is fair and reasonable. 


Compliance tip of the week: Don't play the blame game

2 October 2014

Do what you can to prevent a recurrence of the situation or reduce the damage caused.


Sort the staging backlog to avert auto-enrolment disaster

25 September 2014

The Government and The Pensions Regulator need to tackle non-compliance with AE staging dates.


Simon Collins: Is your social media use misleading the public?

18 September 2014

Technological developments and the way we communicate have understandably had a major impact on the financial services industry.

Comments (2)


Compliance tip of the week: Don’t allow fantasists in your firm

18 September 2014

A common theme behind compliance disasters is the high prevalence of “fantasist” behaviour

Quality Seal

Compliance tip of the week: Draw up your own client agreements

4 September 2014

Draft your own procedures and client agreements. This may save your business and help you make a lot more money. 


Lenders under fire over remortgage approvals

11 August 2014 | By Devraj Ray

Brokers expect to see an autumn upturn in remortgage approvals but urge lenders and borrowers to assess the situation now.


Brokers attack armed forces Help to Buy rules

26 June 2014 | By Devraj Ray

Armed forces personnel using the Forces Help to Buy scheme are prevented from taking up the Help to Buy mortgage guarantee as it violates EU regulations

Comments (1)


Compliance tip of the week: Keep within the financial promotions rules

12 June 2014

There are two financial promotions rules that are often broken


Adam Samuel: Advisers do not benefit from their day in court

9 June 2014

Experience has shown that resorting to the courts to try and overturn FCA or FOS decisions is not a productive option for financial advisers

Comments (1)


Better Business: Problems with restricted and independent definitions

29 May 2014

The current definitions of independent and restricted advice do no favours for advisers or clients


Better Business: New Priips regulation clarifies responsibilities for advisers

22 May 2014

UK advisers already meet most of the standards required under the finalised Priips directive but we need to make sure the new rules don’t lead to more paperwork.


Compliance Tip of the Week: FCA's outlook for 2014

1 May 2014

The FCA recently published its annual risk outlook. So what’s new? 


Institutional platforms seek FCA rebate rules work-around

24 April 2014 | By Sam Macdonald

Firms think they fall outside of platform definitions and can therefore retain fund manager payments.

Comments (1)

AXA Wealth

Fund Data

Editor's Pick


Will providers be forced to pay out compensation over annuity misselling?

Job of the week

Latest jobs

View all jobs

Most recent comments

View more comments