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.

Unemployment cover is the protection gap brokers are missing

Rising redundancies could expose broker files under Consumer Duty where unemployment risk is never discussed or recorded

Unemployment cover is the protection gap brokers are missing

Protection gap demands more than awareness, industry tells FCA

Mortgage and protection professionals welcome the FCA's pure protection market study but say personalised, data-led support must follow

Protection gap demands more than awareness, industry tells FCA

Broking is the path that offers 'the perfect blend of technical expertise and human connection'

Broker in Focus: Katherine Stagg, of Stagg Mortgage Services, moved from banking into advice to help people through one of the biggest decisions of their lives

Broking is the path that offers 'the perfect blend of technical expertise and human connection'

Why reviews are an early warning system, not a marketing tool

Smart Money People's CEO on building societies, rate volatility, and how review data is reshaping lender accountability

Why reviews are an early warning system, not a marketing tool

Why income protection has become impossible to ignore

The safety net most clients assume exists simply does not – and brokers who stay silent are taking a serious risk

Why income protection has become impossible to ignore

Consumer Duty has changed mortgage advice — and some firms still have not caught up

Tomorrow marks three years since the FCA's Consumer Duty took effect, yet gaps in compliance remain

Consumer Duty has changed mortgage advice — and some firms still have not caught up

Second charge mortgage growth driven by rate protection – but for how long?

Borrowers clinging to sub-2% fixes are fuelling second charge demand, but the market's next chapter may look very different

Second charge mortgage growth driven by rate protection – but for how long?

FCA mortgage rule review nears its final deadline

Two regulatory clocks are ticking for lenders this month

FCA mortgage rule review nears its final deadline

'Second charge mortgages should be part of every advice conversation'

Crystal Specialist Finance's strategy director on why second charge mortgages deserve a place in every adviser's toolkit

'Second charge mortgages should be part of every advice conversation'