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In this week's episode, we discuss the FCA's latest plans to look at the regulation of AI in financial services. In a speech in October, the regulator said it would be taking forward six of the seven Mills review proposals. We discuss what that could mean and how things have evolved in the months since the Mills report. Also this week, we discuss the Centre for Responsible Credit's latest report looking at regulation of consumer credit. It makes the case that FCA rules have not worked - and calls for a review. We discuss the report in full. Finally, there's a quick look ahead to the Budget and an update on other developments in Westminster and Stratford. Email us your questions and suggested topics for discussion to [email protected]

In this week's episode, we start with a look at the latest Fairer Finance Trust in Insurance index. While trust has continued to rise in all sectors - there's big differences in how those on lower and higher incomes feel. And while claims satisfaction has improved across most sectors, it's starting to reverse in pet insurance. In the second half of the show, we discuss the FCA's latest consultation into investment funds that hold illiquid assets. When investors all want their money back quickly from funds that invest in property or other illiquid assets, it's just not possible. The regulator has come up with new rules to try and better set customer expectations - and to prevent funds having to suspend trading. Email us your questions and suggested topics for discussion to [email protected]

In this week's episode, we dive into the detail of the FCA's pure protection market study, which was published on 21 September 2026. It's a disappointing end to a major piece of work - as the FCA decides not to address many of the market's failure, and focuses instead on how to help grow the sector. In the second half of the show, we discuss the launch of Fairer Finance's Retirement Compass report - diving into the detail of who is using their housing wealth to fund retirement, and what the FCA and Treasury are doing to help more people do the same. Email us your questions and suggested topics for discussion to [email protected]

We're back from summer holidays - and in our first episode, we're turning our attention to a busy week in the House of Lords. In the first half of the show, we're discussing the Report Stage of the Financial Services & Markets Bill - and the latest deliberations about reforms to the Financial Ombudsman Service. In the second half of the show, we discuss the latest evidence session at the Lords Financial Services Regulation Committee, as it concludes its consumer insurance regulation enquiry. We finish off the show with a brief update on Motor Finance. Email us your questions and suggested topics for discussion to [email protected]

This week, chair of the Financial Services Consumer Panel and former Labour MP Chris Pond joins us to talk about what an Andy Burnham government might mean for financial services policy. We also discuss the Treasury Select Committee's report into the Government's Financial Inclusion Strategy. In the second half of the show, we discuss the latest updates on Pensions Value for Money, and take a look back at where we've got to after 3 years of the Consumer Duty. Email us your questions and suggested topics for discussion to [email protected]

in this special edition of the Fairer Finance podcast, we welcome FCA executive director Sheldon Mills to the show. We recorded the show on 9 July 2026 - Sheldon's last day at the FCA after 8 years. In a wide ranging interview, we talk in detail about his recent AI report recommendations and about his proudest moments as a financial regulator.   Email us your questions and suggested topics for discussion to [email protected]

In this week's episode, former FCA chair Charles Randell joins us as guest host. In the first half of the show, we discuss the FCA's recent consultation into consumer investment disclosures. While in the second half, we move onto discuss the FCA's recent inquiry into the basic bank account sector. We wrap up with a quick update on the motor finance redress scheme.  Email us your questions and suggested topics for discussion to [email protected]

In this week's episode, consumer advocacy legend Mick McAteer stands in for Tim Hogg. We start with a discussion about changes to the Isa rules - including the new 22% tax charge on cash holdings in stocks and shares Isas. In the second half of the show, we move back to talk about the Financial Ombudsman Service reforms - raising fresh concerns about the proposed changes to the fair and reasonable test. Email us your questions and suggested topics for discussion to [email protected]

In this week's episode, we discuss the FCA's latest mortgage market consultation, which looks to relax the rules around interest-only mortgages, and open the door for more people to be able to borrow in retirement. In the second half of today's show, we discuss the findings from Fairer Finance's new research - The Retirement Compass - which looks to understand which groups of people may need to access their housing wealth in retirement - as well as what public perceptions are of doing so.  Email us your questions and suggested topics for discussion to [email protected]

In this week's episode we discuss the new Financial Services & Markets Bill which was recently laid in Parliament. It's a mish mash of different things - most of which have been well trailed. But there's a few last minute tweaks and additions - including an unexpected but welcome acceleration of the Consumer Credit Act reforms.  In the second half of this week's show, we discuss the Pension Commission's interim report. With people not saving enough for retirement, the Commission is considering what Government needs to do to ensure future generations have enough in later life. We'll be discussing the headlines of the report.    Email us your questions and suggested topics for discussion to [email protected]

In this week's episode, we start by looking at three new reports into the pensions market - which focus on the lack of savings for many of those in mid life as well as the growing affordability problem with the UK state pension. One of the reports - from the Tony Blair Institute - includes the controversial recommendation that state pension ages should be personalised and linked to your health records. We'll be discussing that idea - as well as following the response from industry commentators. In the second half of the show, we look at the FCA's review of the claims management sector, and also revisit motor finance for the third episode in a row.  Email us your questions and suggested topics for discussion to [email protected]

In this week's episode, we look at the fast growing world of prediction markets - which have caught fire in the US over the past two years. While neither of the two big US players have launched in the UK yet - there are already plenty of UK markets to bet on, with UK investors getting access to the platforms using VPNs. The FCA included the market on its lists of perimeter risks earlier this year, and the Gambling Commission is also on standby. But what could these products mean if they catch on in the UK - and is the FCA's ban on retail binary options enough to stop them offering markets on UK financial assets and events? In the second half of today's show, we talk about the FCA's latest consultation and discussion papers into the Consumer Credit Market. While the review of the Consumer Credit Act is still making its way slowly through the Treasury, the FCA already has the ability to make changes to the rules around some of the information that is given to customers when they're taking out a loan. Its latest papers highlight the lack of understanding around APR and make some suggestions for some amends. We explore all the detail behind the latest papers. At the end of the show, there's a very quick update on the challenges to the FCA's motor finance redress scheme.   Email us your questions and suggested topics for discussion to [email protected]

In this week's episode, we take a look at the detail behind the FCA's motor finance redress scheme. With up to £7.5bn of compensation due to be paid out to customers, it's the biggest mass redress scheme since PPI. We discuss some of the complex decisions the regulator had to make in deciding how much customers were owed - as well as what the scheme tells us about the FCA's current direction of travel.  In the second half of the show, we discuss the FCA's recent Open Finance roadmap. While Open Banking has been slow to develop, the regulator is keen to see the concept extended to other parts of the financial services industry. We discuss what's in the new plans and what the possibilities might be as Open Finance develops. Finally, we touch briefly on the Government's recent paper into investment risk warnings.   Email us your questions and suggested topics for discussion to [email protected]

In this week's episode, we take a look at the latest detail from the Treasury and FCA around the reform of the Financial Ombudsman Service. The Treasury has confirmed it plans to impose a 10-year time bar on complaints, as well as give itself new powers to hire and fire the chair and chief Ombudsman of the FOS. It is also considering whether to exclude the Consumer Duty and other principles from FOS decisions.  In the second half of the show, we discuss the FCA's proposals to introduce a new tier of financial advice - simplified advice.  Email us your questions and suggested topics for discussion to [email protected]

In this week's episode, we take a look at the first of the FCA's new regulatory priority updates - which it plans to publish in each sector once a year. The first three to go live are insurance, consumer investments and pensions. We discuss what's in the documents - and whether these new publications will materially reduce the burden for industry compliance teams. In the second half of the show, we discuss the latest developments in the financial inclusion space. It's four months since the Government published its financial inclusion strategy, and over the last few weeks, the Treasury Select Committee has been scrutinising it with a new inquiry. We discuss what's been happening in the hearings and what the final report might mean for the Government's direction of travel in financial inclusion.  Email us your questions and suggested topics for discussion to [email protected]