All Insights

ESG, sustainability and responsible business

The relationship between biodiversity and financial services

The role of financial services in driving climate change action is increasingly well established. There is regular mainstream media coverage
Financial Services

FCA introduces change to payment allocation rules

Running account credit providers can now offer instalment or payment plans more freely – an important development for card issuers
Dispute resolution

Streamlined process implemented by FOS to clear complaint backlog driven by the pandemic

New approach temporarily formalises giving indications of possible outcomes for complaints to help firms reach pragmatic resolutions
Financial Services

HM Treasury takes next steps on regulation of 'buy-now pay-later'

BNPL lenders and merchants are likely to welcome the proposals, although there are areas where detail and data are lacking
Decarbonisation

Net zero construction: the problem with embodied carbon

The UK government's Heat and Building Strategy fails to adequately address embodied carbon, which is expected to account for almost
Retail and Consumer

New consumer contracts rules in Germany tighten regulatory regime further

Far-reaching changes for all consumer-facing businesses go beyond harmonised rules of EU
Global Compliance

Duty of vigilance: comparative regulation in Europe and the UK

Businesses internationally are required more and more to prevent human rights and environment violations – what do existing and proposed
Dispute resolution

The FOS consults on a streamlined process to clear pandemic-driven complaint backlog

Financial businesses, consumers and the ombudsman could all benefit from proposals to resolve complaints more quickly and tackle the accumulation
Digitalisation

Digital regulation | The alchemy of a strategic framing for compliance

As the scope of digital regulation continues to expand and sanctions for non-compliance ramp up, how can you turn onerous

Energy and Utilities

Urgent measures to mitigate the impact of the increase in natural gas prices in the retail gas and electricity markets

Published Royal Decree-Law 17/2021, of 14 September, on urgent measures to mitigate the impact of the increase in natural gas

Regulatory and compliance

How to minimize corruption and bribery risks when hiring a third party

There are different laws (FCPA, UK Bribery Act, the Spanish Criminal Code, to mention some) that set out the possibility