The Financial Conduct Authority (FCA) has released the latest edition of the Regulatory Initiatives Grid, which outlines the regulatory landscape for financial services over the next two years. This grid provides a comprehensive overview of current and planned initiatives from nine regulatory organizations, allowing firms to prepare for upcoming changes. By clarifying what regulatory adjustments may be on the horizon, the grid aims to foster innovation while maintaining stability in the financial sector. This initiative is crucial for firms navigating regulatory requirements and adapting to evolving market conditions.
[Date: 11 December 2025]
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🚗 Motor insurance pricing and local area ethnicity
Citizens Advice has reported that individuals from minority ethnic backgrounds are, on average, paying £307 more for motor insurance compared to their peers. In response to these findings, the FCA has committed to investigating the claims made by Citizens Advice. The examination will delve deeper into whether specific customer groups are disproportionately affected by higher insurance costs, aiming to ensure fair pricing practices within the industry. This analysis is part of the FCA’s ongoing efforts to promote equality and transparency in the financial services sector.
[Date: 11 December 2025]
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💳 Stablecoin payments a priority for 2026 as FCA outlines growth achievements
The FCA has unveiled its strategic goals for 2026, emphasizing the importance of UK-issued stablecoins to facilitate quicker and more efficient payments. The regulatory body plans to support firms in experimenting with stablecoin issuance through its regulatory sandbox, which will create a safe testing environment for innovation. This initiative reflects the FCA’s commitment to enhancing payment systems and fostering financial technology advancements in the UK, positioning stablecoins as a key component of the future financial landscape.
[Date: 11 December 2025]
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🛡️ FCA launches Firm Checker to fight financial crime
In light of a concerning increase in investment and pension-related scams—affecting approximately 800,000 individuals— the FCA has introduced a new tool called Firm Checker. This resource enables consumers to verify the authenticity of firms and avoid potential scams. The initiative is part of the FCA’s broader strategy to combat financial crime and protect consumers from fraudulent activities in the financial services sector, enhancing overall trust and safety for investors.
[Date: 11 December 2025]
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⚖️ FCA charges Henrik Schliemann with fraud and forgery
The FCA has initiated criminal charges against Henrik Schliemann, a former director of a regulated merchant bank, for nine offenses, including fraud by abuse of position, fraud by false representation, and forgery. Schliemann was responsible for overseeing financial operations and had significant control over the company’s accounts. These charges highlight the FCA’s rigorous enforcement actions aimed at maintaining integrity within the financial sector and holding accountable those who violate regulations.
[Date: 11 December 2025]
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📉 ESE Capital Limited FRN 469499 – Firm enters liquidation
ESE Capital Limited has entered Creditors’ Voluntary Liquidation as of 1 December 2025. Adam Price and Lane Bednash from CMB Partners UK Limited have been appointed as Joint Liquidators to oversee the liquidation process. This decision marks a significant development for the firm, which was authorized by the FCA, indicating challenges in its operations that led to this financial outcome. The liquidation process will follow standard procedures to address the firm’s financial obligations.
[Date: 11 December 2025]
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