UK Retail Finance Horizon Scanner - July 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: 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

Download the full report