Consumer Duty

This page tracks all the key news, commentary, and regulatory updates on the FCA’s Consumer Duty and what it means for mortgage and protection professionals. Read below for practical coverage and analysis.

Why the North East is England's most compelling mortgage market right now

ONS data confirms the North East is outperforming every other region – and the chance for intermediaries is real

Why the AI gave a different answer today from yesterday – and why it matters to brokers

Ask an AI the same mortgage question twice and you might get two different answers. Here's why it happens, and how brokers can use these tools with confidence

The watchdog's watchdog has just been defanged – mortgage brokers should care

In a regulatory environment that is already reshaping how brokers operate, the question of who oversees the overseer matters more than it might appear

HSBC hit with “first of its kind” multimillion-dollar fine

Australian regulators have ordered a A$35 million penalty after mortgage borrower, others lose life savings

Why income protection keeps getting skipped – and how to fix it

Brokers explain why IP lags life insurance and what needs to change to close the protection gap

Royal London's record payout exposes the income protection gap brokers can't ignore

With 1.8 million borrowers remortgaging in 2026, brokers have a clear window to close the income protection gap

US AI crackdown puts FCA's own review in the spotlight

American bank regulators are tightening their grip on AI — and the FCA is likely watching closely

AI in mortgage advice: useful tool or growing threat?

Brokers share frank views on AI's role in the industry and the misinformation risk it carries

FCA proposes mortgage rule reforms to widen borrower access

Self-employed, older homeowners and those with variable income among groups set to benefit from proposed changes

The £66 million Meta fraud problem facing your clients

Mortgage lender Lloyds says two-thirds of UK purchase fraud now originates on Facebook, Instagram and WhatsApp – is that fraud affecting you and your clients?