Demsa

DEMSA Column: Contactless / MaPS funded debt advice / Open Banking

In today’s bulletin: General update Consumer driven change - contactless limit increased? MaPS funded debt advice impact report 2024/25   FCA/PSR update on open banking in 2025 FS25/6 - Update to the FCA Mortgage Rule Review Personal insolvency stats – November 2025 StepChange November 2025 statistics Collaborations Events General update I attended the MaPS SFS governance group last week and we are on schedule for the latest SFS figures to be implemented by the first Monday in April 2026. We… Read more

HIGHLIGHTS ¦ DEMSA Newsletter

What you need to know this week UK economic output contracted by 0.1% in October 2025, with output also down 0.1% over the three months to October, underscoring a fragile growth outlook for 2026.Supply-side disruption continues to affect manufacturing: the Jaguar Land Rover cyber-attack remains a drag on production, with only a modest October recovery.Market expectations remain for a further cut in interest rates, but the narrative of investment-led growth in 2026 is not yet supported by clear confidence indicators… Read more

DEMSA Column: MaPS standards / DWP CoP / FCA updates / AI bubble / Ability to Pay / Vulnerability / Collaborations / Events

In today’s bulletin: General update Joint FCA and ICO statement on Targeted Support and Direct Marketing FCA Regulatory Initiatives Grid - December 2025 Edition FCA confirms final guidance to tackle serious non-financial misconduct in financial services MaPS standards toolkit DWP Codes of Practice: Recovering Debt FCA update on late payment charges – good news warning Collaborations Events   General update On the topic of growth, the economy contracted by 0.1% in October 2025 according to the Office for National Statistics… Read more

DEMSA Column: PS25-19 / CCR009 / FOS / Data Sharing / Ability to Pay /Income Optimisation / Vulnerability / AI / MaPS standards / Collaborations / Events

In today’s bulletin: General update Debt Buyer, Debt Manager and BPO event – 4/12/2025 MaPS standards toolkit CCR009 returns for debt management firms PS25/19: Improving the complaints reporting process FOS - driving reform and delivering improvements - their 2025/26 plan Collaborations Events   General update Regulatory trends We covered some of the regulatory trends and priorities on Thursday at the MEGA.AI sponsored Debt Buyer, Debt Manager and BPO event in Manchester. Reforming bill support across essential markets Citizens Advice has… Read more

DEMSA Column: Budget 2005 / Personal Insolvency (PIR) / StepChange stats / FOS / FCA update / Collaborations / Events

In today’s bulletin: General update Budget 2025 StepChange debt statistics – October 2025 Ofgem Debt Relief Scheme – Data sharing Personal Insolvency Reform (PIR) Collaborations Events   General update We come out of Budget 2025 week with headlines like ‘Minister defends 'pragmatic' U-turn on workers' rights’. Downing Street has also denied that the Chancellor misled the public about the state of the public finances ahead of the Budget. An interesting presentation from UK Finance on Economic Abuse on Tuesday in… Read more

DEMSA Column: Inflation / Vulnerability / AI-usage / Insolvency stats / Collaborations / Events

In today’s bulletin: General update Credit Connect 2025 Personal insolvency stats – October 2025 Collaborations & Appointments Events   General update The BBC headline is ‘Fear and scepticism as Reeves prepares for her big Budget moment’. This doesn’t bode well. On 26 November 2025, the Chancellor, Rachel Reeves, will deliver the 2025 Autumn Budget. The Chancellor says the Budget will “deliver on the priorities of the British people: Cutting NHS waiting lists, cutting the national debt and cutting the cost… Read more