KEY THEMES+ ¦ DEMSA Summary

What you need to know this week

Bank of England’s interest rate has been reduced to 4.75%, with 8–1 MPC vote split.
Trump’s US presidential re-election raises concerns over potential regulatory divergence.
Mortgage arrears among UK homeowners have increased by 8% year-on-year, with StepChange reporting a 68% rise in client mortgage arrears.
Online Choice Architecture practices under review by ICO and CMA for potential impacts on consumer data control.
PS24/2 rules to protect borrowers in financial difficulty took effect on 4 November 2024.
UK’s Online Safety Act will address Generative AI and chatbot regulation per Ofcom guidelines.
Insolvency Service FOI data highlights IVA terminations by debtor demographics from 2014 to Q3 2024.
Employers NI increase in April 2025 signals potential layoffs and price hikes from major UK firms.
Citizens Advice and MoneyHelper address financial strain, with over 8m in debt and 12m on the financial brink.
The Digital DRA partners with IE Hub on an onli...

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