DEMSAPlus

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

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

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