The Fairer Finance podcast

• FCA mortgage market review/Targeted support and advice-guidance boundary review

  In this week's episode, we start with a look at the FCA's recent discussion paper on the future of the mortgage market, as well as Nikhil Rathi's recent call to scrap the government mortgage charter. In the second half of the show, we discuss the new FCA consultation paper on targeted support, and talk about the benefits and potential pitfalls of this new light touch advice regimes. Email us your questions and suggested topics for discussion to [email protected]

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  40:00

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• Pensions reform/Fund management assessments of value

  In our latest episode, we look at the recent run of government activity in the pensions market - from the Mansion House Accord to the new Pension Schemes Bill. We unpack the detail of these changes and discuss what they might mean for the market - and pension savers more broadly.We also take a look at the FCA's latest plans to water down fund manager assessment of value reports. We talk about the proposed changes and whether assessments of value did the job that they were introduced to do.Email us your questions and suggested topics for discussion to [email protected]

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  35:28

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  35:28
• Do online will writers need regulating?/Access to cash/FOS compensation changes

  In this week's episode, we kick off with a look at the online wills market - discussing Fairer Finance's new ratings in the sector and considering whether better regulation of the sector is needed.In the second half of the show, we move onto discuss Access to Cash. With bank branches continuing to close and cash usage continuing to fall, are we edging towards extinction for bank notes and coins? Finally, there's a quick update on the news that the Financial Ombudsman Service is considering changing the way it applies interest to compensation payments.As ever, if you'd like to get in touch, you can email us at [email protected] us your questions and suggested topics for discussion to [email protected]

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  44:03

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  44:03
• The role of housing wealth in funding retirement/FCA & Treasury news round up: mortgage and insurance rule reform plus latest consumer credit act update

  In this week's episode, we delve into the detail of Fairer Finance's new research report looking at how more people can use their housing wealth to fund retirement.With many more people likely to reach later life without adequate pension savings, our research suggests that as many as 51% of people may need to use housing wealth to maintain their standard of living by 2040. We dive into the detail behind the research and discuss policy solutions.You can read the full report here: https://www.fairerfinance.com/insights/research-reports/how-can-housing-wealth-bridge-the-later-life-funding-gapIn the second part of the show, we take a canter through the latest consultations and updates from the FCA and Treasury. Already in May, the FCA have published consultations on their mortgage and insurance rules. While the Treasury has published an update on its Consumer Credit Act reforms and laid secondary legislation to regulate the Buy Now Pay Later sector. We talk through the headlines from these key reports.Email us your questions and suggested topics for discussion to [email protected]

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  42:31

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  42:31
• FCA turns the spotlight on currency providers/Latest results of the Fairer Finance Trust in Insurance & Trust in Banking indices

  In this week's episode, we begin with a look at the FCA's latest consumer duty deep dive - which targets the currency sector. The cost of sending money overseas online is often difficult for consumers to understand - and the FCA highlights examples of good and bad practice in the sector.In the second half of the episode, we discuss the results of the latest Fairer Finance Trust in Insurance and Trust in Banking indices. Over the last decade, trust in all sectors has been rising. But price rises in insurance have put a stop to those gains over the last two years. We discuss the latest data and consider what is driving trust in different parts of the market.Email us your questions and suggested topics for discussion to [email protected]

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  38:19

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