United Kingdom: Fin Tech

As those closely following this field will know, in April 2025 HMT published a draft statutory instrument (SI), on which we wrote an earlier briefing highlighting key issues, as well as an unapologetically technical and detailed formal submission to HMT on the drafting.

The FCA has launched a bundle of far-reaching initiatives for the retail, wealth and private banking sector, including a discussion paper seeking views on what else can be done...

The UK plans to introduce a more comprehensive regime for the regulation of cryptoassets, which aims to assist businesses through the confidence brought by a wide-ranging licensing and conduct regime...

The UK tax authority, HMRC, has released initial high-level guidance for employers on a new student loan plan, for cryptoasset service providers, and NIC related matters.

In this edition we round up FinTech-related financial services regulatory developments for the week ending 21 November 2025.

UK Financial Insights from Katten is a monthly newsletter highlighting key noteworthy developments potentially affecting financial markets and funds in the UK and Europe.

Scotland has a lot to offer businesses and investors: a dynamic community of entrepreneurs, a highly skilled workforce, geography that could have been tailor-made for the clean energy industry...

Some of the key developments that are currently reshaping the derivatives market are: (i) the use of smart contracts; and (ii) the implementation of digital asset referencing derivatives.

Historically, the FCA's position on crypto assets was consistently to repeat to consumers that "if you decide to invest in crypto then you should be prepared to lose all the money you have invested".