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by the following authors: 'Andrew Hopkins'
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The Financial Conduct Authority's Banking Conduct of Business Sourcebook (BCOBS) came into force on 1 November 2009. BCOBS applies to firms carrying out the activity of accepting deposits from banking customers in the UK, for example by providing saving and current account...
Recommendations of the independent reviewer and response by the code sponsors Foreword The independent review of the Banking Code that has recently been completed is the most comprehensive that has ever taken place. The Reviewer received 50 submissions from individu...
Summary The Association agrees with the general principle of empowering consumers to have greater access their personal data in order to make better informed choices. There are currently many ways in which consumers can access their personal data from building societies...
The BSA response to the FCA Call for Input: Terms and definitions for services which are linked to payment accounts and subject to fees is available below. We argue against changing the commonly used term "unarranged overdraft" to "unplanned overdraft". BSA response
The Building Societies Association (the BSA) represents mutual lenders and deposit takers in the UK including all 46 UK building societies. Mutual lenders and deposit takers have total assets of over £375 billion and, together with their subsidiaries, hold residential mor...
In summary, the Association supports a combination of Option 1 (reform of the Payments Council) and Option 2 (the creation of the Payments Strategy Board). We believe that the Payments Council should be given the opportunity to reform first. Part of the reform should be to...
The BSA has responded to HM Treasury's consultation on the implementation of the EU Payment accounts directive. Our response is available below - BSA response
Introduction The Building Societies Association (BSA) represents mutual lenders and deposit takers in the UK including all 46 UK building societies. Mutual lenders and deposit takers have total assets of over £375 billion and, together with their subsidiaries, hold res...
The BSA response to the Payment Systems Regulator consultation paper 14/1 A new regulatory framework for payment systems in the UK is available below - BSA response to PSR CP14/1
The Building Societies Association (BSA) represents mutual lenders and deposit takers in the UK including all 45 UK building societies. Building societies have total assets of nearly £330 billion and, together with their subsidiaries, hold residential mortgages of over £2...
The BSA response to FCA CP17/11 Implementation of the revised Payment Services Directive (PSD2): draft Approach Document and draft Handbook changes is available here . Summary of our response: There is a need for further guidance on what elements of the PSR 2017 apply t...
Our response to this Discussion Paper has been submitted to the Bank of England / PRA FCA Building the UK financial sector's operational resilience
In our response to CP 19/33, we set out our concerns regarding the FCA's proposed amendments to the guidance on the definition of a "Payment Account". Click here for our response.