UK Retail Finance Horizon Scanner - August 2026

In the latest edition of our UK Retail Finance Horizon Scanning report, Eversheds Sutherland highlights recent industry updates and upcoming developments affecting the retail finance and mortgages sectors, including:

• Conduct: Financial Ombudsman Service reforms designed to create a more efficient, consistent and predictable consumer redress framework

• Consumer Credit: Financial Conduct Authority findings on firms’ readiness to implement the motor finance consumer redress scheme, alongside wider credit market reforms

• Mortgages: growing regulatory focus on physical climate risks and how they could affect insurance availability, property values and mortgage lending

• Innovation: the launch of the Financial Conduct Authority Handbook application programming interface, supporting automated regulatory monitoring and compliance

• Consumer Duty: developments relating to financial inclusion, vulnerable customers and access to appropriate financial products and services

The report also covers upcoming changes relating to non-financial misconduct, mortgage market reform, artificial intelligence governance and consumer credit financial promotions.

Download the full report