FCA, Bank of England, banking, payments and the UK capital markets.
A Bank of England survey points to a higher senior-debt share and weaker underlying corporate-deposit supply, but cash flows, issuer disclosures and loan pricing do not yet show banks substituting debt for deposits.
Account closures are rising faster than National Fraud Database filings, while the alternatives are voluntary, transaction-specific or unevenly acted upon.
A Bank of England model says lower capital requirements can weaken cloud investment enough to absorb about 32% of the direct welfare gain, while the competition benefit is largest for smaller lenders.
The Bank of England has repeated a lender warning across two reporting rounds. One private-credit manager reports rejecting a software deal, but public data still do not quantify an AI premium in new credit.
New UK mortgage lending is moving towards higher loan-to-value bands while the older loan book is producing fewer arrears, so the risk signal depends on whether the reader measures originations or outstanding balances.
The design phase ends in 2026, and the blueprint, the Treasury's joint assessment and the decision on next steps all arrive together. Governor Andrew Bailey has already said he questions why a retail central bank digital currency is needed if commercial banks modernise money themselves.
The Data (Use and Access) Act 2025 lets the Treasury extend the same compulsion into savings, pensions and consumer credit under the banner of Open Finance, and whether it works turns on a commercial model Open Banking never had.
Nearly two years after the FCA's access-to-cash regime took effect, more than 230 shared banking hubs are open against a promised 350. They protect notes and coins for the five million who need them, not the full-service branch they replace.
The Financial Conduct Authority brought Britain's buy-now-pay-later market under consumer-credit regulation on 15 July 2026, giving eleven million regular users the same protections that apply to credit cards and personal loans. The transition period for firms to obtain full authorisation runs until January 2027, but the rules are in force today.
Europe's largest bank reports its interims on Tuesday, the first full half under the East-West structure it adopted in 2025. What to watch on Asian profitability, net interest income and the pace of buybacks.
Charlie Nunn and William Chalmers step up at 09:30 BST on Thursday to set out first-half numbers and a refreshed plan. Here is the ground to watch on costs, net interest income and the shape of capital returns.
The mutual sector is taking share from the big banks in both savings and mortgages, without a single new rule. With no shares to issue, the open question is how long member-owned lenders can bankroll the lending they are winning.
The core regime is fixed for January 2027, but the PRA has held its trading-desk models back to 2028 and put the wider calibration out for review, charting a capital path of its own.
The July Financial Stability Report quantifies, for the first time at this granularity, the funding line through which a private-credit downturn reaches Britain's deposit-takers — and holds capital buffers steady while it maps the rest.
UK new-car registrations rose through the first half of 2026 — but the volume was bought with manufacturer discounting that is hollowing out dealer profit and used-car residuals, and the ZEV trajectory still isn't clearing at the showroom.
The FCA's June mortgage consultation does not relax responsible lending; it asks lenders to prove when flexible treatment of irregular income, older borrowers and credit-impaired applicants is still affordable.
