Insights | Square 4 - Page 3 of 14

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 …

Categories

London office

By Maria Gasiorowska (Senior Consultant) | 16/03/2026

FCA’s findings from the Second Charge Mortgage Review and what it tells the wider market

The FCA’s review of second charge mortgage advice, fees and affordability assessments, published on 12 …

By Darren Fisher - Senior Advisory Director | 11/03/2026

FCA sets out its Regulatory Priorities for Consumer Investments – what firms should focus on now

On 4 March, the Financial Conduct Authority (FCA) published its first Regulatory Priorities report for …

By Matthew Drage | 04/03/2026

FCA Mills Review: A Strategic Inflection Point for UK Financial Services and What Firms Should Do Next

At the start of 2026, the Financial Conduct Authority launched the Mills Review, a forward …

By Darren Fisher | 03/03/2026

Proving Fair Value in Retail Lending under Consumer Duty – Practical insights from FCA supervisory activity

Few concepts under the FCA’s Consumer Duty have generated as much debate, or uncertainty, as …

By Darren Fisher | 26/02/2026

Outcomes monitoring: A Square 4 practical guide.

With the introduction of the FCA’s Consumer Duty in July 2023, the regulatory focus shifted …

By Tom Jeffery - Operations Director | 19/02/2026

Human connection will always be the differentiator in customer experience

For the past half a decade, the dominant narrative in financial services has been automate, …

16/02/2026

Complaints as a Strategic Asset: Building a Best Practice Target Operating Model

Complaints are often viewed as a regulatory necessity and an operational cost, but in today’s …

By Darren Fisher | 12/02/2026

FCA Confirms New Rules for Buy Now Pay Later: What Businesses Need to Know

On 11 February, the Financial Conduct Authority (FCA) published Policy Statement (PS26/1) confirming that the …

By Simon Goryl - Advisory Director | 23/01/2026

EMILY – Early Money Is Like Yeast: It Makes the Dough Rise

One of the earliest financial planning principles that has stayed with me is EMILY – …

Popular Blogs

By Sara Haworth - Senior Consultant | 28/01/2025

2025 Consumer Duty Board Report – An Updated Guide

On 11 December 2024, the Financial Conduct Authority (FCA) issued its findings of the review …

By Simon Goryl & Sara Haworth | 30/09/2024

Outcomes Monitoring – A Good Practice Guide

With the introduction of the FCA’s Consumer Duty in July 2023, the regulatory focus has …

By Darren Fisher (Advisory Director) & Natalie Baglin (Senior Consultant) | 12/10/2023

Goodbye TCF. Hello Consumer Duty.

In the early days of Consumer Duty (the Duty) consultation, there was a belief amongst …

By Sara Haworth - Principal Consultant | 07/05/2025

FCA & FOS Complaints Data – A Deep Dive

Complaints data, it appears, is like waiting for buses. You wait a while and two …

Board Report

By Darren Fisher - Advisory Director | 19/12/2023

Consumer Duty: Annual Board Report – Don’t delay!

It’s almost six months on from the 31 July implementation deadline – so what’s next? …

By Darren Fisher - Senior Advisory Director | 06/08/2025

Unlocking Opportunity: The FCA’s Evaluation of General Insurance Pricing Practices Remedies

Insights on FCA Evaluation Paper 25/2 Introduction The landscape of general insurance pricing has …

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