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In this edition, we discuss latest developments in the UK and EU banking and investment regulation.
United Kingdom
Finance and Banking
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In this edition, we discuss latest developments in the UK and EU
banking and investment regulation. This issue focuses on two key
papers from the Prudential Regulation Authority (PRA) last month.
These include the PRA’s near-final policy statement (PS20/25)
on the ‘Strong and Simple Framework’ introducing a
simplified capital and liquidity regime for Small Domestic Deposit
Takers and its near-final policy statement (PS19/25) on the
restatement of Capital Requirements Regulation (CRR) requirements.
A number of these initiatives impose strict requirements and
regulatory deadlines on firms while other changes present
opportunities for your business.
PRA publishes near-final policy statement on the ‘Strong
and Simple Framework’
The PRA’s near-final policy statement (PS20/25), published
on 28 October 2025, marks a significant shift for small UK banks
and building societies. The ‘Strong and Simple Framework’
introduces a simplified capital and liquidity regime for Small
Domestic Deposit Takers (SDDTs), aiming to reduce regulatory
burden, support competition, and maintain financial resilience. The
new rules, effective from 1 January 2027, align with international
Basel 3.1 standards and replace the Interim Capital Regime.
Click here to read further on the framework and
why this matters for SDDTs >
PRA publishes near-final policy statement on the restatement of
Capital Requirements Regulation requirements for UK banks and
building societies
On 28 October 2025, the PRA published its near-final policy
statement (PS19/25) on the restatement of Capital Requirements
Regulation (CRR) requirements, with implementation set for 1
January 2027. This development is a pivotal moment for UK banks,
building societies, and investment firms, as it marks a significant
step in the UK’s transition away from assimilated EU law with
the PRA exercising its expanded rule-making powers.
Read here to know more on the relevant changes and
implications for UK firms >
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