The rulebook got simpler. The evidence bar got higher.
June ended with the FCA publishing five cryptoasset policy statements in a single day. The UK framework is now final: authorisation under FSMA from October 2027, permanent minimum capital, and statutory trusts over stablecoin backing assets. The perimeter argument is over and the licensing race has started.
The rest of the month was simplification with a catch. Insurance rules, the Consumer Duty, mortgage standards, and climate disclosures are all being slimmed. But the common move underneath is a narrower one: territorial scope pulled back to UK residents, public product reports replaced by on-demand data, and digital made the default channel for disclosures. Less prescription does not mean less work. It means re-scoping work, and it lands on client databases, contracts, and digital journeys.
Ireland raised the stakes in its own way. Distance-contract failures became a criminal matter on 19 June, complete with mandatory cancel functions and evidenced disclosure timing. And the Central Bank is preparing a supervisory review of firms that market unregulated products under branding that looks regulated, which is a question for your design team as much as your legal one.
Nine consultations close between July and September. Our June UK and Ireland Regulatory Horizon Scanning brief covers every development across banking, consumer credit, crypto, the Consumer Duty, investments, insurance, payments, and the Irish market, with an action checklist at the end of each section.
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