{"id":816498,"date":"2026-03-10T11:23:15","date_gmt":"2026-03-10T11:23:15","guid":{"rendered":"https:\/\/www.europesays.com\/uk\/816498\/"},"modified":"2026-03-10T11:23:15","modified_gmt":"2026-03-10T11:23:15","slug":"your-guide-to-uk-banking-regulation-in-2026-alastair-holt-simon-treacy","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/uk\/816498\/","title":{"rendered":"Your guide to UK Banking Regulation in 2026, Alastair Holt, Simon Treacy"},"content":{"rendered":"<p class=\"Body\">Alastair Holt and Simon Treacy have co-authored the UK chapter for GLI\u2019s <a href=\"https:\/\/www.globallegalinsights.com\/practice-areas\/banking-and-finance-laws-and-regulations\/united-kingdom\/\" target=\"_blank\" rel=\"noopener\">Banking Regulation 2026<\/a>.<\/p>\n<p class=\"Body\">The UK Government has promised to use financial regulation to support its ambitions for economic growth. Several important areas of banking regulation are under review, including rules relating to <a href=\"https:\/\/financialregulation.linklaters.com\/post\/102kzg3\/fca-implements-first-phase-of-mortgage-rule-review\" target=\"_blank\" rel=\"noopener\">mortgages<\/a>, <a href=\"https:\/\/financialregulation.linklaters.com\/post\/102lxof\/target-support-is-coming-fca-publishes-near-final-rules-and-guidance\" target=\"_blank\" rel=\"noopener\">financial advice<\/a>, <a href=\"https:\/\/www.linklaters.com\/knowledge\/articles\/alerts-newsletters-and-guides\/2025\/may\/20\/reform-of-the-consumer-credit-act--phase-1\" target=\"_blank\" rel=\"noopener\">consumer credit<\/a> and <a href=\"https:\/\/financialregulation.linklaters.com\/post\/102mkil\/uk-plan-paves-pathway-to-payments-reforms\" target=\"_blank\" rel=\"noopener\">payment services<\/a>.<\/p>\n<p class=\"Body\">Regulation is also responding to rapid technological change. As banks adopt the latest technology, <a href=\"https:\/\/www.linklaters.com\/insights\/thought-leadership\/fintech\/artificial-intelligence-in-financial-services-4\" target=\"_blank\" rel=\"noopener\">including AI<\/a>, they must meet high standards for <a href=\"https:\/\/www.linklaters.com\/services\/financial-regulation-group\/operational-resilience\" target=\"_blank\" rel=\"noopener\">operational resilience<\/a> and <a href=\"https:\/\/www.linklaters.com\/services\/financial-regulation-group\/fca-consumer-duty\" target=\"_blank\" rel=\"noopener\">consumer protection<\/a>. The increasing adoption of <a href=\"https:\/\/www.linklaters.com\/insights\/thought-leadership\/uk-cryptoasset-regulatory-regime\/uk-cryptoasset-regulatory-regime\" target=\"_blank\" rel=\"noopener\">digital assets<\/a>, including stablecoins, is both an opportunity and a potential competitive threat. Banks are responding by investing in innovation, such as tokenised deposits.<\/p>\n<p class=\"Body\"><a href=\"https:\/\/www.globallegalinsights.com\/practice-areas\/banking-and-finance-laws-and-regulations\/united-kingdom\/\" target=\"_blank\" rel=\"noopener\">Read the chapter for an overview of the regulatory framework for banks in the UK.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Alastair Holt and Simon Treacy have co-authored the UK chapter for GLI\u2019s Banking Regulation 2026. The UK Government&hellip;\n","protected":false},"author":2,"featured_media":816499,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,4],"tags":[3427,802,748,91187,235298,235299,393,3467,172636,4884,6792,1144,712,16,15,1764],"class_list":{"0":"post-816498","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-uk","8":"category-united-kingdom","9":"tag-banking","10":"tag-brexit","11":"tag-britain","12":"tag-capital-requirements","13":"tag-consumer-credit","14":"tag-consumer-duty","15":"tag-england","16":"tag-financial-advice","17":"tag-fsma-23-smarter-regulatory-framework","18":"tag-great-britain","19":"tag-mortgages","20":"tag-northern-ireland","21":"tag-scotland","22":"tag-uk","23":"tag-united-kingdom","24":"tag-wales"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@uk\/116204628093161679","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts\/816498","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/comments?post=816498"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts\/816498\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/media\/816499"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/media?parent=816498"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/categories?post=816498"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/tags?post=816498"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}