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UK Retail Finance Horizon Scanner - July 2026

August 03, 2026

United Kingdom
United Kingdom
United Kingdom
This report looks at developments that happened in July 2026. It is the current position as of July 31, 2026 and may be subject to change.

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: FCA action on access to basic bank accounts, financial promotions, market abuse and regulatory reforms supporting growth and competitiveness
  • Consumer Duty: updated FCA guidance on product design, fair value, consumer support, complaints handling and root cause analysis
  • Innovation: FCA developments on AI testing, AI governance and the Supercharged Sandbox
  • Consumer Credit: FCA consultations and policy direction on consumer credit financial promotions, customer outcomes, AI governance and Buy Now Pay Later implementation
  • Mortgages: proposed reforms to improve mortgage access and further work on the later life lending market

The materials on the Eversheds Sutherland website are for general information purposes only and do not constitute legal advice. While reasonable care is taken to ensure accuracy, the materials may not reflect the most current legal developments. Eversheds Sutherland disclaims liability for actions taken based on the materials. Always consult a qualified lawyer for specific legal matters. To view the full disclaimer, see our Terms and Conditions or Disclaimer section in the footer. Eversheds Sutherland is a provider of legal and other services operating through various separate and distinct legal entities. For further information about these entities and Eversheds Sutherlands' structure please see the Legal Notice page of this website.

Insights series

Finance Horizon Scanner

Key contacts

naomiseward@eversheds-sutherland.com

Naomi Seward

Partner

United Kingdom

rachaelbrowning@eversheds-sutherland.com

Rachael Browning

Senior Associate

United Kingdom

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