What's changing, what it means for you, and when you need to act
A regulatory horizon scanning service built for payment and e-money institutions and for insurance brokers and intermediaries, covering UK payments regulation, insurance distribution, SM&CR, financial crime, Consumer Duty and EU changes such as PSD3.
Every publication read, every relevant one broken down
It runs on my own regulatory tracking system, Horizon Scanning. Every day it checks the sources below, and each publication that could affect a payment firm or an insurance intermediary is read in full and broken down into the same five points:
- Type: legislation, Bill, policy statement, consultation, final guidance, Dear CEO letter and so on
- Why: what the regulator or government is trying to achieve
- How it applies to your firm: to a PI or EMI, to an insurance broker or intermediary, or both: directly, indirectly, or barely at all
- Immediate actions for your compliance team
- Longer-term actions and the changes to implement, with timing
Each item also records when the change comes into force and the deadline to comply. Consultation closing dates are kept separate, so they're never mistaken for compliance deadlines.
PSR issues final directions to Visa and Mastercard on scheme fee transparency and pricing governance
- Type: PSR specific directions (SD22 and SD23)
- Why: scheme and processing fees are complex and opaque for acquirers and merchants
- PI/EMI impact: indirect; obligations sit on the schemes, and acquirers receive richer fee data from July 2027
- Now: map current fee reconciliation against the new data
- Later: update billing reconciliation and merchant reporting
What's covered
The FCA is the primary source, with the other UK regulators, government, Parliament, the financial crime authorities, insurance trade bodies and the EU alongside.
FCA
News, publications, consultation papers, policy statements, finalised guidance, Dear CEO and portfolio letters, Handbook notices, and multi-firm and thematic reviews.
Payments regulators and infrastructure
Payment Systems Regulator, Bank of England and PRA, Pay.UK and Open Banking Limited.
Government and legislation
HM Treasury, the CMA, new and draft statutory instruments, and Bills in Parliament.
Financial crime
OFSI sanctions, the Serious Fraud Office, the Home Office, the National Crime Agency and JMLSG guidance.
European Union
The EBA's payment services and e-money work, and the European Commission, Parliament and Council, including PSD3 and the Payment Services Regulation.
Insurance intermediaries
FCA insurance publications and Handbook changes (ICOBS, SYSC, PRIN, PROD, TC, PERG), plus BIBA and Chartered Insurance Institute news and good practice guides.
Specialist commentary
Compliance consultancies and law firms, including Thistle Consulting and VinciWorks, and members-only material where a client has access.
Ways to receive it
Regular briefings
A weekly or monthly briefing of new developments that matter to your firm, with dates and actions.
Board summaries
A concise quarterly view of the regulatory landscape for your board or risk committee, including upcoming deadlines.
Impact assessments
A deeper analysis of a specific change, such as a new policy statement or PSD3, against your products, controls and documents.
AI-assisted, expert-reviewed
Horizon Scanning uses AI (Anthropic's Claude) to read and structure large volumes of regulatory publications quickly and consistently. That's what makes daily coverage of so many sources practical.
AI is a tool, not the adviser. Everything that reaches a client is reviewed by me, and source documents are always linked so you can check the original.
- Every item links to the original publication
- Dates are only recorded when the source states them, never estimated
- Out-of-scope noise, such as crypto for firms that don't need it, is filtered out
- Human review before anything is sent to a client
Stay ahead of regulatory change
Tell me about your firm and I'll show you what horizon scanning would look like for you.