Four FCA Compliance Priorities For 2026

Rules change all the time, so businesses need to stay flexible and keep up with them. The FCA has made it clear that 2026 is about real results, strong systems and using technology properly, not just ticking boxes.

Digital Assets and Crypto Regulation

The UK is set to introduce a full set of rules for crypto in 2026. This includes regulations for trading platforms, custody services and stablecoins. Businesses that are working in this space should expect closer attention from the FCA and start preparing now rather than waiting until the rules are fully in place.

Consumer Duty and Measurable Outcomes

Consumer Duty is still a priority, but focus has changed. Instead of just putting it in place, the FCA now wants to see proof that it works. That means checking whether customer communications, products and overall experiences offer fair value in real life, and not just on paper.

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Responsible Use of AI And Technology

The FCA supports innovation but expects firms to use new technology responsibly. Instead of adding new rules just for AI, it wants businesses to follow the rules that already exist. Companies need to show they have proper controls in place, protect customer data and are clear about how automated systems are used.

Operational Resilience

The FCA is making the authorisation process simpler while keeping a strong focus on operational resilience. This means improving how applications are handled and offering more help before firms apply.