KEY THEMES+ ¦ DEMSA Summary

What you need to know this week

FCA email deletion policy clarified: regulatory records retained for 25 years.
ECB consultation on 2025/26 business plan, responses due by 12 March.
Affordability assessments under Consumer Duty under review post-PS24/2.
Personal insolvency figures for January 2025 show a 12% year-on-year increase.
Second-charge mortgage market grew by 16% in December 2024.
Lloyds sets aside £1.2bn for motor finance commission claims.
Ofgem addresses concerns over back billing and energy debt.
Rising operating costs impact Fair Value Assessments under Consumer Duty.
New guide released on supporting disabled consumers and vulnerable customers.
Target Group partners with FourNet for enhanced contact centre solutions.
Equifax selects Aveni for AI-driven quality assurance.
FourNet CX Roadshow to take place 25-27 February in Newcastle, Manchester & Birmingham.

Key Themes
Regulatory Developments

FCA Email Management [link]: The FCA responded to concerns about email ret...

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