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  • PS19/16: High-Cost Credit Review: Overdraft policy statement

    Artículo

    Enviado: 09 July 2019

    On 18 December 2018 the UK Financial Conduct Authority (FCA) proposed significant reform to the overdraft market in its consultation paper CP18/42, “High-Cost Credit Review: Overdrafts consultation paper and policy statement” (the CP). This contained customer-centric proposals aimed at distributing overdraft charges more fairly and protecting vulnerable customers.

  • EBA publishes Opinion on the elements of strong customer authentication under PSD2

    Artículo

    Enviado: 04 July 2019

    On 21 June 2019, the European Banking Authority (EBA) published an opinion responding to concerns about market preparedness for the coming into force of strong customer authentication (SCA) requirements under PSD2 on 14 September this year, and questions on which authentication processes the EBA would consider to be compliant. The opinion also sets out its views on what constitutes a compliant SCA element under PSD2.

  • FCA publishes first annual report on its regulatory perimeter, and Treasury Committee responds

    Artículo

    Enviado: 28 June 2019

    On 19 June 2019, the FCA published their first ever report on the FCA’s regulatory perimeter. The Treasury Committee published a response to the report on 02 August 2019.

  • FCA Consultation Paper on Overdraft Reforms

    Artículo

    Enviado: 10 January 2019

    This article provides an overview of the FCA’s consultation paper “High-Cost Credit Review: Overdrafts consultation paper and policy statement”, setting out a timeline on how the FCA is taking this matter forward, and recommendations on what action an overdraft provider could consider taking in light of the CP’s contents.

  • VAT and hire purchase transactions

    Artículo

    Enviado: 18 October 2018

    The ECJ has, in providing guidance on the correct method for attributing residual VAT to hire purchase transactions, rejected the Advocate General’s suggestion that a hire purchase transaction should be treated as a single taxable supply for VAT purposes.

  • Credit provider subsidy did not reduce consideration for underlying supply of goods

    Artículo

    Enviado: 10 October 2018

    The consideration for a supply of goods by a retailer was the full agreed price, even where the retailer received a lower amount pursuant to a credit arrangements agreed between it and the credit provider.

  • AXA revisited: VAT exempt payments or transfers

    Artículo

    Enviado: 26 July 2018

    The services of a payment plan administrator in arranging for payments between dental customers and dentists was not an exempt supply of payment or transfer services but rather standard rated administrative services.

  • Liability management of fixed income products

    Seminario

    Enviado: 25 October 2017

    This session covers tender offers, consent solicitation, exchange offers and open market repurchase, liability management in the issuance of debt capital markets products including equity linked products and legal considerations and exchange requirements.

  • FCA Thematic Review on early arrears management in unsecured lending

    Artículo

    Enviado: 20 December 2016

    ​The Financial Conduct Authority (FCA) has published a report providing the findings from its Thematic Review into early arrears management in unsecured lending. The review looked at the way lenders treated customers in the early stages of arrears, and we have noted a few key takeaways which can guide a firm’s behaviour and policy.

  • FCA Advice Unit to re-open for applications on 03 January 2017

    Artículo

    Enviado: 19 December 2016

    The Financial Conduct Authority (FCA) Advice Unit is part of Project Innovate, which aims to encourage innovation in financial services in the interests of consumers, and is open to those already authorised as well as firms seeking authorisation. Of particular interest is the feedback from the first tranche of applications.

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