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

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 – …

By Roma Pearson - Senior Advisory Director | 30/12/2025

New Year, new regulatory focus – what’s next in 2026?

As the UK financial ecosystem continues to evolve rapidly, 2026 is shaping up to be …

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 …

Sign up to our Insights

Download White Paper