Artur Nadolny, Citizen Investigator. This article draws on insights shared by John Galajsza, from the APPG on Investment Fraud and Fairer Financial Services summit in Parliament 16th March 2026. What the House of Commons Summit Means for Citizen Investigators By Steve Conley A Moment of Clarity On 16 March 2026, inside the House of Commons, … Continue reading The System Is Speaking. Are We Listening?
Tag: regulation
Why Financial Harm Keeps Happening — and What People Can Do Before It Does
A new report published by the All-Party Parliamentary Group (APPG) on Investment Fraud and Fairer Financial Services has triggered an important national conversation. The report — “Why Our Financial Conduct Regulation Needs Reforming” — brings together years of evidence suggesting that the UK’s financial conduct regulation system may not be working as well as it … Continue reading Why Financial Harm Keeps Happening — and What People Can Do Before It Does
⚽ When Football Meets Finance: A Warning to Players and Fans
Regulation is not the same as safety.A badge is not the same as due diligence. Recent discussions about closer cooperation between the Financial Conduct Authority and the Independent Football Regulator raise an important question: Should football clubs become gateways for financial product distribution? [Ref: Independent Football Regulator and FCA Memorandum of Understanding, 24/02/2026.] This could … Continue reading ⚽ When Football Meets Finance: A Warning to Players and Fans
The FCA Regulatory Perimeter: What It Is, Why It Exists, and What This Week’s Finfluencer Case Teaches Professionals
Understanding financial regulation in the UK is often portrayed as complicated, restrictive, or risky. In reality, the structure is logical, proportionate, and surprisingly navigable once you understand one central concept: The FCA’s perimeter isn’t a blanket over financial discussion. It is a targeted safeguard applied only to retail investment activities capable of causing direct financial … Continue reading The FCA Regulatory Perimeter: What It Is, Why It Exists, and What This Week’s Finfluencer Case Teaches Professionals
💠 Captured AI: When the Regulator Becomes the Sandbox
By Steve Conley, Founder – Academy of Life PlanningDecember 2025 | 5 Minutes Read 🧩 The New Frontier — or the Same Old Game? The Financial Conduct Authority (FCA) has just launched what it calls a “safe space for AI” — a controlled testing environment where the UK’s largest financial firms can experiment with artificial … Continue reading 💠 Captured AI: When the Regulator Becomes the Sandbox
Case Study: When Compliance Goes Wrong — How the Academy of Life Planning Stepped In to Restore Fairness and Professional Standards
A true story (with identifiers removed) illustrating why conduct supervision and mentorship matter — both inside and outside the FCA perimeter. 1. The Background: From Adviser to Empowered Planner After years working in a traditional financial-advice firm, one planner decided to take a bold step: to leave the world of product intermediation and build a … Continue reading Case Study: When Compliance Goes Wrong — How the Academy of Life Planning Stepped In to Restore Fairness and Professional Standards
🧭 Reimagining Financial Empowerment in the Aquarian Age: A Response to FCA CP25/17
By Steve Conley, Founder, Academy of Life Planning The FCA's Consultation Paper CP25/17, “Supporting consumers' pensions and investment decisions: proposals for targeted support,” sets out to close the so-called “advice gap” through a new regime of cohort-based recommendations. But to those of us working to empower individuals, not intermediaries, this paper represents a step backwards—toward … Continue reading 🧭 Reimagining Financial Empowerment in the Aquarian Age: A Response to FCA CP25/17
Where’s the Justice? The Tenet Collapse and the Cost to Consumers
The collapse of Tenet has left nearly 10,000 customers in financial limbo, raising pressing questions about the effectiveness of consumer protection in the UK’s financial services industry. These individuals, who trusted a Financial Conduct Authority (FCA) registered firm and its advisers, now face a sobering reality: they’re left to rely on the Financial Services Compensation … Continue reading Where’s the Justice? The Tenet Collapse and the Cost to Consumers
Pensions at Risk: Are Consumers Being Let Down by the FCA’s Latest Proposals?
The Financial Conduct Authority’s (FCA) recent Consultation Paper CP24/27 – Advice Guidance Boundary Review proposes reforms to deliver "targeted support" for pension savers. At first glance, this initiative seems to promise much-needed assistance for the millions of UK pension savers navigating complex retirement decisions. However, a closer examination raises important questions about who these changes … Continue reading Pensions at Risk: Are Consumers Being Let Down by the FCA’s Latest Proposals?
Unjust Governance: The FCA’s Burden on Small Financial Firms
In the realm of financial services, the level of reporting required by the Financial Conduct Authority (FCA) for small firms has become disproportionate compared to other industries. Despite the pandemic being behind us, COVID-related reports continue unabated, adding to the regulatory burden. Complaints made to MPs and the Treasury are simply passed on to the … Continue reading Unjust Governance: The FCA’s Burden on Small Financial Firms
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