United Kingdom: Consumer Protection

Welcome to the latest edition of our investment management update. This publication has been tailored to highlight topical news, cases and changes in the law impacting the investment management sector.

On Jan. 22, 2026, the UK House of Commons Treasury Committee released its report on Artificial Intelligence in Financial Services, concluding that the government, the Financial Conduct Authority (FCA), and the Bank of England are “not doing enough” to manage the consumer and systemic risks created by rapid AI adoption.

The Competition and Markets Authority (CMA) has published guidance and research about how businesses can use agentic AI whilst complying with consumer protection law.

The Financial Conduct Authority's (FCA) consultation reflects the ongoing governmental and regulatory push to encourage wider retail participation in private and public capital markets and the benefits of seeking higher financial returns over pure cash savings.

The holiday season brought another consistent quarter of growth in retail and e-commerce sales, fueled by higher revolving consumer credit and rising consumer incomes.

UK retailers face a challenging Christmas, with moderate sales growth expected amid consumer caution, inflation, and rising costs. Strategic agility is essential to capture limited spending and prepare for 2025.

This article explores the importance of public liability insurance, its benefits for day-to-day risk management and the key issues businesses should understand when taking out cover.

This article gives a high-level overview of the legal remedies available to consumers when products are faulty or not fit for their intended purpose.

A recent BBC investigation has found that some teeth whitening kits containing dangerously high levels of hydrogen peroxide are available to buy on social media...

The BNPL market has grown significantly in recent years, from £0.06 billion in 2017 to over £13 billion in 2024. According to the FCA's 2024 Financial Lives Survey, 20% of UK consumers (10.9 million adults)...

On 11 February 2026, the UK's Financial Conduct Authority (FCA) published Policy Statement 26/1: "Regulation of Deferred Payment Credit (unregulated Buy Now Pay Later): Feedback to CP25/23" (PS26/1)...

On 7 October 2025, the Financial Conduct Authority (FCA) published a statement and consultation paper (CP25/27) on the Motor Finance Redress Scheme.