Here's your 2025 guide to Banking Regulation in the UK

Alastair Holt and Simon Treacy have co-authored the UK chapter for GLI’s Banking Regulation 2025.

Banks entered the year facing an uncertain economic outlook. Geopolitics and domestic politics continue to shape the regulatory agenda. In the UK, the Government has promised to use regulation to support its ambitions for economic growth. Whilst this will translate into de-regulation in targeted areas, banks can expect more regulatory scrutiny in others.

Banks are subject to tighter standards around how they identify and manage risks relating to ESG issues, including greenwashing. Supervision of the Consumer Duty will focus on how banks deliver good outcomes for retail customers. Meanwhile, banks are under competitive and regulatory pressure to adopt cutting edge technology, including AI, and innovate their services whilst also maintaining operational resilience.

Read the chapter for an overview of the regulatory framework for banks in the UK.