Keyword meaning

The Financial Services Enforcement Database Holds comprehensive details on all material Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA) Final Notices and, where available, Decision Notices, covering the period from 2014 to the present. It further includes any Decision Notices issued by the Payment Systems Regulator (PSR). Beyond enabling filtering by rule contravention, the Enforcement Database also permits users to refine and tailor results more precisely by sector, keywords, seriousness factors, aggravating factors, mitigating factors, financial penalty, and other actions such as appeals. This document outlines the keywords for the Financial Services Enforcement Database and serves as a reference to help identify words and phrases to search for across the Database...

Asset management & investment funds—EU & international developments—September 2025 The three European Supervisory Authorities (the European Banking Authority, the European Insurance and Occupational Pensions Authority and the European Securities and Markets Authority—ESAs) annual report on voluntary PAIs disclosures under SFDR The ESAs have released their fourth annual report on PAI disclosures under the SFDR. It concludes that financial market participants are supplying more comprehensive and higher quality disclosures, with large multinational groups most advanced. Smaller firms, by contrast, frequently blend generic environmental, social and governance or promotional material with SFDR content, leaving it unclear whether PAIs are being taken into account. The report also observes that more FMPs now provide entity‑level information in clearly labelled sustainability or SFDR sections on their websites, improving transparency and ease of access. It outlines examples of good and below‑average disclosure practices and offers recommendations to national competent authorities and to the European Commission in advance of the SFDR review. Entity level disclosures Access: good: disclosures kept in...

The Financial Services Enforcement Database The Financial Services Enforcement Database brings together comprehensive details on substantive Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA) Final Notices and, where obtainable, Decision Notices, covering 2014 onwards. The Database can be searched and refined by fields including rule/legislation breach, keyword, sector, date, financial penalty, facets of financial penalty analysis, outcomes such as redress and prohibition orders, and further actions like referrals to the Upper Tribunal. This Practice Note sets out the law and process for making a reference to the Upper Tribunal (Tax and Chancery Chamber) following a disciplinary or non-disciplinary decision of the FCA or the PRA; including decisions on restrictions, financial penalties and prohibition orders under the Financial Services and Markets Act 2000 (FSMA 2000), and the FCA’s registration of cryptoasset firms under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, SI 2017/692 (MLRs). It addresses the Upper Tribunal’s role and scope of its powers when determining references in financial services matters....

This Practice Note considers the use of artificial intelligence (AI) and allied tools when preparing to give disclosure to opposing parties. It draws no distinction between disclosure under the disclosure scheme used in the Business and Property Courts and disclosure under Part 31 of the Civil Procedure Rules. The priority is to save time and costs without undermining the dependability of the disclosure produced. Why AI works in disclosure AI and related tools can be effective for disclosure because the task is often predictable. Similar kinds of disputes typically generate similar categories of documents tied to the particular issues in contention. Naturally, there will be variations from case to case, yet these do not diminish the role of AI tools. Such tools are attractive to legal advisers conducting disclosure as they reduce human effort and thus cost, while creating an audit trail to evidence the robustness of the process if the disclosure is challenged. The breadth of searches for responsive material is frequently scrutinised by opposing parties. In...

The Financial Services Enforcement Database holds comprehensive details of all substantive FCA and PRA Final Notices and, where available, Decision Notices from 2014 onwards. Search and filter options include: Rule breach (including breach of Principle 6) Keyword (including ‘Treating Customers Fairly (TCF)’) Sector Date Seriousness Aggravating and mitigating factors Financial penalty Other actions (such as referrals to the Upper Tribunal) Overview and key points This Practice Note explores the continuing significance of the Financial Conduct Authority’s (FCA) Treating Customers Fairly (TCF) initiative after the arrival of the FCA’s Consumer Duty. TCF’s core building blocks are found in the FCA’s Principles for Business (PRIN), especially Principles 6 and 7. Once a central pillar of the FCA’s consumer protection objective, TCF was integral to securing a fair deal for consumers. This Practice Note outlines the main concepts underpinning TCF and assesses the enduring relevance and application of Principles 6 and 7...

These training resources comprise PowerPoint template slides that outline various ways for companies to safeguard their online brands. They offer advice on protecting trade marks and domain names. The slides are designed as a foundation for anyone tasked with training others in brand protection. They can be adapted as needed and appropriate to meet individual requirements, and will assist the speaker by reducing preparation time and effort required. The materials are fully customisable as well. Click the link below to download the presentation...