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By Square 4 Team | 15/05/2026

Consumer Duty in 2026: Compliance, to Culture, to Customer Advocacy

Consumer Duty has entered a materially different supervisory phase. The FCA is no longer assessing …

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By Nicola Crump - Advisory Director | 30/10/2026

Every year, Q4 tells us what January will look like. Are firms listening this time?

Wednesday’s Budget offered households some “breathing space”: a £100 energy payment, extended VAT relief on …

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By Daniel Sawyer - Head of Outcomes Testing | 28/10/2026

What does a good outcomes testing action look like?

Three years into the Consumer Duty, most firms have built an outcomes testing capability of …

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By Roma Pearson - Regulatory & Market Strategy, Managing Director | 21/10/2026

Regulatory Outlook: Are you managing risk or just reporting it?

A Board can receive comprehensive risk reports, review dashboards of green indicators and track hundreds …

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By Mani Johal - Senior Consultant & Naomi Wyatt - Advisory Director | 07/08/2026

The FCA’s Fair Value Fees review: Why firms need to act now

Fees and charges remain under close review as the FCA increases its scrutiny of how …

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By Natalia Mortlock - Consultant | 07/08/2026

CP26/20: Raising the Standard for SIPP Governance

The Financial Conduct Authority’s (FCA) publication of CP26/20 represents a significant evolution in the regulation …

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By Matthew Drage - Managing Director: Technology Solutions | 24/07/2026

What the FCA’s Consumer Support Review Means for Your Outcomes Testing Strategy

In July 2026, the FCA refreshed its multi-firm review of the consumer support outcome, setting …

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By Roma Pearson - Managing Director - Regulatory & Market Strategy | 13/07/2026

FCA Motor Finance Developments: Delayed Timetable, Undiminished Expectations

The Upper Tribunal has partially suspended the FCA’s proposed industry-wide motor finance redress scheme, pending …

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By Sara Haworth - Principal Consultant & Dean Ritchie - Consultant | 26/06/2026

Low Financial Resilience and Equity Release: Why Vulnerability is the Core Advice Challenge

FCA analysis shows that low financial resilience affects a significant proportion of UK adults. The …

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By Matthew Drage - Managing Director: Technology Solutions | 26/06/2026

The Collections Journey Under the Microscope: Key Insights From Assure 4’s AI Outcomes Testing

Collections is where operational processes, customer vulnerability, affordability, communication quality and commercial decision making all …

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