Industry Responses

As well as proactively campaigning, the BSA frequently comments on consultative papers issued by the Financial Conduct Authority and Prudential Regulation Authority, and by Government departments such as the Treasury or the Department for Business, Innovation and Skills. 

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Direct marketing code of practice - ICO consultation

We set out our concerns about the draft code's potential impact on maturity communications and urge the ICO to liaise with the FCA.

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FOS Budget 2020

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Management expenses levy limit for the FSCS - proposals for 2020/ 2021

Our comments are brief and high level and reflect our concerns about the rising costs of operating the FSCS.

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FCA Quarterly Consultation No 26 - CP19/33

The BSA sets out its concerns regarding the FCA's proposed amendments to the guidance on the definition of a "Payment Account".

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Implementing Basel 4 in the EU

We call for more systematic proportionality to reduce the unnecesssary burdens on small, non-complex banks, including most building societies.

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Asset Encumbrance

The main proposals are reasonable, and will improve clarity and transparency.

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Credit unions - PRA review of capital regime

We broadly welcome and support the review proposals

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PRA's approach to supervising liquidity and funding risks

We agree there should be no order in which firms use the BoE's liquidity facilities or draw down their own liquid asset buffers to meet a liquidity need.

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Regulation of insolvency practitioners, review of the regulatory landscape.

The BSA has responded to the consultation which examines the currently system of Recognised Professional Bodies (RPBs) regulating insolvency practitioners.



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