Demsa

In today’s bulletin: General update Personal insolvency stats – England & Wales, Northern Ireland and Scotland Protecting Consumer Privacy in 2026 The Enforcement Conduct Board (ECB) 2026 'Insight Report' is out Collaborations & Appointments Events General update After discussing the growth of the economy last week, higher tobacco prices and airfares pushed the UK rate of inflation higher for the first time in 5 months. The rise to 3.4% in the year to December 2025 was higher than expected with… Read more

In today’s bulletin: General update Applying to become a not-for-profit (NFP) debt advice firm Food for thought – Post by Ben Mason Citizens Advice - 'More room to breathe' Collaborations & Appointments Events General update Money & Credit – January 2026 Trump is proposing a credit card cap in the US. Credit card interest rates have been rising in recent years. They averaged about 22% as of November 2025, up from 13% a decade ago, Federal Reserve data shows. 37%… Read more

In today’s bulletin: General update ICO response to the Cyber Security and Resilience Bill Does your vulnerability policy include Economic Abuse? AI governance in 2026 Collaborations & Appointments Events General update Money & Credit - November 2025 - the latest Bank of England figures were published on 5/1/2026 Net borrowing of consumer credit by individuals increased to £2.1 billion in November 2025 from £1.7 billion in October. This included net borrowing on credit cards of £1 billion, up from £0.7… Read more

In today’s bulletin: General update FCA opens investigation into CMC – TCPA CONC 8 and Digital Debt Advice in 2026 FCA statement on co-manufacturers The importance of AI governance in 2026 BNPL – FCA regulation in 2026 What next under Consumer Understanding Events General update Energy bills are rising for millions of households in England, Scotland and Wales as the new year begins, after Ofgem raised its price cap slightly. Prices for those on variable tariffs are rising by 0.2%… Read more

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

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