In this year's Financial Regulation Legal Outlook we examine the key milestones that will shape the legal and regulatory compliance programmes of firms in the Banking, Asset Management and Payments sectors over the coming year. We expect a continuation in the high volume of new regulation as well as scrutiny on implementation and compliance both from supervisors and other increasingly active stakeholders in 2025.

Our annual ESG Legal Outlook is now available. We anticipate 2025 will be a year focused on implementation, reflection and recalibration. We expect the pace of regulatory change going forward will slow and that there will be a pause for thought and increased focus on practical implementation, giving businesses some much-needed breathing space.

The UK is set to introduce new laws to combat economic crime, including fraud, money laundering and the financing of terrorist activities. The legislation aims to strengthen systems for collecting, accessing and displaying information about UK companies and partnerships and about the ownership of UK real estate by overseas entities. In addition, business organisations may incur criminal liabilities if they fail to take measures to prevent fraud by their employees or agents and it will be made easier to prosecute companies for criminal wrongdoing.

From general insurance through to life and pensions, the UK insurance sector continues to face a raft of regulatory change in a post-Brexit world. Visit our Regulatory Insurance page to stay updated with industry-wide developments and insights.

We are helping firms to navigate one of the most far-reaching changes to UK regulation in recent years.

Insurance and pensions are high-profile topics that are never far from the top of the FCA's agenda. In this podcast series, we look at the latest regulatory developments across both sectors.

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UK regulators have prescribed how financial institutions and market infrastructure must build their resilience to business disruption.

Culture, governance and accountability are key priorities for regulators in their supervisory engagement with firms and in considering enforcement action. Getting this right is more important than ever.

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The SMCR is part of the UK regulators’ drive to improve culture, governance and accountability within financial services firms. It aims to deter misconduct by improving individual accountability and awareness of conduct issues across firms.