ROAR Insights+ : Premium Content

Monthly Regulatory Summary: UK 2025 April

A monthly summary of regulatory developments in the UK. A pdf version and copies of the weekly update can also be found here. Summary Headlines and Activity Financial Conduct Authority (FCA) FCA launched its 2025/26 work programme emphasizing innovation (e.g. expanding the Regulatory Sandbox) and responsible AI use. The FCA’s new AI testing service (part of its AI Lab) is in development to help firms deploy AI safely. It also updated the cross-regulator Regulatory Initiatives Grid to map upcoming rules.… Read more

Monthly Regulatory Summary: UK 2025 March

A monthly summary of regulatory developments in the UK. A pdf version and copies of the weekly update can also be found here. Summary Headlines and Activity Financial Conduct Authority (FCA) Consumer Duty and Regulatory Streamlining: The FCA released an action plan to review and simplify consumer finance rules following the introduction of the Consumer Duty. It will focus on mortgages and lending standards, simplifying savings account communications, and reviewing credit advertising requirements (e.g. cutting lengthy T&Cs) to reduce burdens… Read more

Monthly Regulatory Summary: UK 2025 February

A monthly summary of regulatory developments in the UK. A pdf version and copies of the weekly update can also be found here. Summary Activity Financial Conduct Authority (FCA) Consumer Duty governance update: The FCA confirmed that from 27 February 2025 it “no longer expect[s] [firms] to have a [Consumer Duty] Duty champion” at Board level​. This removal of the mandated “Consumer Duty Champion” role – introduced in 2022 – reflects that the Consumer Duty should now be well-embedded in… Read more

Monthly Regulatory Summary: UK 2025 January

A monthly summary of regulatory developments in the UK. A pdf version and copies of the weekly update can also be found here. Summary Headlines and Activity Financial Conduct Authority (FCA): The FCA had a busy start to 2025 with multiple announcements. It set out proposals to cut costs and barriers for companies raising capital, aiming to encourage more bond issuance in small sizes and widen investor access​. A joint FCA–Practitioner Panel survey for 2025 was launched to gather industry… Read more

Consumer Proposals – Canada – A Debt Support Solution Explainer

Download as pdf Overview of Debt Advice Solutions in Canada The debt solutions landscape in Canada is diverse. With rising living costs and economic uncertainties, many Canadians are seeking effective ways to manage and alleviate their debt burdens. Key Debt Relief Options Debt Consolidation: Combine multiple debts into a single loan with a lower interest rate, simplifying repayment. Various institutions offer debt consolidation loans to assist individuals and businesses in managing their debt more effectively. Debt Settlement: A negotiation with… Read more

INSIGHTS+ ¦ Reciprocity Principle – in Collections [Behavioural Series]

The reciprocity principle is a fundamental social rule that suggests individuals are more likely to return favours when they receive kindness. In the context of collections, this principle can be leveraged to improve debtor engagement and recovery rates. By demonstrating understanding and offering flexible solutions, creditors can foster goodwill, which may encourage debtors to meet their obligations more readily. This article explores the application of the reciprocity principle within a collections function, examining its importance, key considerations, and the anticipated… Read more