Regulus — The global regulatory broadcast network

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United Kingdom Bank of England Governance & Accountability ✓ 20 claims 29 Oct 2026

Bank of England Court sets 50% office attendance rule from 1 October

Routine but revealing governance minutes from the Bank of England's Court of Directors cover a new office attendance mandate, progress on the Leeds relocation programme, committee appointments and succession planning for the Deputy Governor for Markets and Banking. Compliance and HR teams tracking the Bank's internal operating model will find the attendance and location details most material.

Staff will be required to be in the office 50% of the time from 1 October 2026, following the Flexibility Review.
Court noted progress toward a target of 500 staff based in Leeds by the end of 2027 under the Location Strategy Programme.
Court approved a new model for independently led reviews, to avoid overlap with the upcoming NAO review and the IMF's Financial Sector Assessment Program.
David Craig and Hanneke Smits were appointed to the Audit and Risk Committee, the latter effective 1 January 2027, and Paul Nowak to the Remuneration Committee.
The Chair confirmed preparation is underway for recruiting a new Deputy Governor for Markets and Banking as Dave Ramsden's term ends next year.

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European Central Bank Source document ↗

European Union European Central Bank Markets & Infrastructure ✓ 16 claims 29 Oct 2026

ECB holds deposit rate at 2.50% as energy shock clouds inflation outlook

The ECB's Governing Council met on 29 October 2026 and left its three key interest rates unchanged. This briefing covers the stated rationale, the balance of risks the Council identified, and what its data-dependent stance signals for the coming meetings. Relevant for treasury, markets and governance teams tracking euro area financing conditions.

The deposit facility, main refinancing operations and marginal lending facility rates remain unchanged at 2.50%, 2.65% and 2.90% respectively.
The Governing Council said the energy shock's increased magnitude and duration, and its indirect and second-round effects, are likely to drive up inflation and lower growth.
Financing conditions have tightened since the Governing Council's last meeting, which is likely to weigh on inflation and growth.
The APP and PEPP portfolios are declining as the Eurosystem no longer reinvests principal payments from maturing securities.
The Governing Council confirmed it is not pre-committing to a particular rate path and will proceed meeting by meeting.

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Hong Kong Exchanges and Clearing Limited Source document ↗

Hong Kong Exchanges and Clearing Limited Financial Crime ✓ 11 claims 29 Oct 2026

HKSCC flags updated UN terrorist and ISIL/Al-Qaida sanctions lists to participants

Hong Kong Securities Clearing Company has told its participants that updated sanctions and terrorist designation lists were published on 27 October 2026. This is a short screening notice rather than a rule change, but it carries a live compliance obligation: participants must reconcile their screening against the current designations under two separate Hong Kong legal instruments.

Updated designation lists under Cap. 575 and Cap. 537CB were published on 27 October 2026.
The terrorist and terrorist associate list appears in the Gazette; the ISIL and Al-Qaida list appears on the CEDB website.
HKSCC issued circular LSD/074/2026 on 29 October 2026 directing participants to both official sources.
Participants are advised to consult their legal advisers if in doubt about the lists.

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FCA Source document ↗

United Kingdom FCA Conduct & Consumer ✓ 13 claims 29 Oct 2026

FCA opens FSCS compensation route for former Verus Financial customers

The FCA is directing former customers of failed adviser Verus Financial Services Limited to the Financial Services Compensation Scheme, which has opened claims following an investigation. The notice sets out how to claim, how Ombudsman complaints interact with FSCS claims, and warns against using claims management firms or third parties.

Verus Financial Services Limited has not held permission to carry out any regulated financial services activity in the UK since 2025.
Verus cannot sell, transfer or reduce its assets without approval from the FCA.
FSCS has placed Verus under investigation and is now open to receive customer compensation claims.
Customers with an existing Financial Ombudsman complaint must still separately file a claim with FSCS, though no evidence resubmission is needed if their file is transferred.
The FCA states most of Verus's former clients will see no benefit from involving a third party, including claims management companies, in making a claim.

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Osaka Exchange Source document ↗

Japan Osaka Exchange Governance & Accountability ✓ 11 claims 29 Oct 2026

TSE flags Broadmedia stock for likely delisting after takeover bid approval

Tokyo Stock Exchange has placed Broadmedia Corporation shares under a supervisory designation ahead of a possible delisting, triggered by the company's approval of a takeover bid. This briefing covers the mechanics of that designation, the two delisting pathways now in play, and the timeline TSE has set for resolving the matter.

TSE designated Broadmedia Corporation stock (Code: 4347, Standard Market) as a Security Under Supervision (Confirmation) effective Oct. 29, 2026.
The designation lasts until TSE determines whether the company falls under the delisting criteria.
Broadmedia has approved a takeover bid from NSSK-EPSILON1 Co., Ltd. that may result in delisting.
Delisting would occur if the bidder demands a cash-out approved by the company, or if a share consolidation proposal reducing minority holdings to fractional shares is approved by shareholders.
The designation is made under Enforcement Rules for Securities Listing Regulations, Rule 604, Paragraph 1, Items (23) and (24).

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FCA Publications Source document ↗

United Kingdom FCA Publications Markets & Infrastructure ✓ 21 claims 29 Oct 2026

FCA consults on equity tape income sharing and incident reporting for all CTPs

The FCA has opened CP26/39, proposing how the equity consolidated tape provider must divide income with the venues and other firms that supply its data, and extending enhanced operational incident reporting to all CTPs. It matters to anyone contributing to or building UK equity and bond tapes, with the equity tape due to go live in 2027 or early 2028.

The consultation CP26/39 opened on 29 October 2026 and closes on 17 December 2026, with responses feeding into final rules.
Handbook rules will govern how the equity CTP's income share is split among data contributors, applying irrespective of the metric and percentage set in the five-year concession agreement.
Enhanced operational incident reporting would be extended to all CTPs, building on PS26/2 rules that come into force on 18 March 2027.
The FCA expects a Policy Statement on income splitting in spring 2027 and plans for the equity tape to start operating in 2027 or early 2028.
A separate Policy Statement on including SI quotes in the equity tape, plus key procurement documents, is planned by early 2027.

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HM Revenue & Customs Source document ↗

United Kingdom HM Revenue & Customs Governance & Accountability ✓ 16 claims 29 Oct 2026

HMRC pension newsletter flags DigiRAS delay to 2027 alongside IHT changes

HMRC's October 2026 pension schemes newsletter sets out a wide slate of tax and administrative changes affecting schemes, including inheritance tax amendments tied to an April 2027 deadline and a delay to a separate digitalisation project into the same year. Scheme administrators and trustees should treat this as a checklist of items to review rather than a single headline change.

HMRC published Pension Schemes Newsletter 186 on 29 October 2026 via its Pension Schemes Services team.
The newsletter covers minor technical amendments to the extension of inheritance tax to pensions, which takes effect from April 2027.
The digitalisation of the relief at source (DigiRAS) Strategic Payments Service has been delayed until 2027.
The newsletter also addresses tax on excess pension lump sum death benefits following lifetime allowance abolition and the two-year rule for death benefit tax treatment.
HMRC has launched a new online tool to help customers claim pension tax refunds, alongside published pension flexibility and registration statistics.

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FCA Source document ↗

United Kingdom FCA Conduct & Consumer ✓ 21 claims 29 Oct 2026

FCA: weak evidence, not weak pricing, is the usual fair value failing

An FCA director's blog distils supervisory work across consumer finance firms, credit fees and charges, and home energy consumer hire agreements into three questions compliance teams should be asking about their own fair value assessments under the Consumer Duty, now three years in force.

One credit card provider quantified cashback, foreign exchange savings and account benefits and set them directly against fees and interest paid, giving a clear evidence base for its fair value conclusion.
Stronger firms segmented customers by credit risk, product usage, distribution channel, vulnerability characteristics, APR bands and risk-based pricing groups to test fair value across groups rather than as a single homogeneous market.
One firm proactively contacted customers incurring certain charges to check they understood how and when those charges applied, rather than relying only on the existence or readability of disclosures.
The FCA reviewed consumer hire agreements for home energy equipment where 'pay as you save' promotions could lead customers to believe savings or affordability were guaranteed over agreements lasting up to 25 years.
The FCA says firms should be able to show their working: what the evidence shows, how it supports the fair value conclusion, and what they would do if it did not.

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FCA Source document ↗

United Kingdom FCA Digital Assets ✓ 21 claims 29 Oct 2026

FCA secures High Court undertakings forcing HTX exit from UK crypto market

The FCA has closed its financial promotions case against HTX, the global exchange formerly called Huobi, with High Court undertakings and a confidential settlement. The exchange is no longer active in the UK, cannot take new sign-ups or deposits, and has committed not to target UK consumers. The segment covers what binds, what remains, and the signal to other offshore platforms.

Huobi Global S.A. gave undertakings not to communicate financial promotions in contravention of section 21 of FSMA 2000, covering its website, apps and social media.
The FCA commenced proceedings in the High Court on 21 October 2025 and announced the enforcement action publicly on 10 February 2026.
HTX is no longer active in the UK: UK users cannot make deposits and new UK users cannot sign up to the platform.
The settlement terms are confidential and constitute no admission of liability or wrongdoing by Huobi Global or any other entity.
UK users should consult HTX's website for arrangements to withdraw any residual assets.

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Federal Register — CFTC Source document ↗

United States Federal Register — CFTC Markets & Infrastructure ✓ 22 claims 29 Oct 2026

CFTC seeks OMB clearance to renew ownership and control reporting forms

The CFTC has forwarded its Ownership and Control Reports information collection to OMB's regulatory review office for a routine renewal under the Paperwork Reduction Act. The notice sets out which rules and forms are covered, the Commission's burden estimates, and its response to the single comment received during the earlier 60-day window. Compliance teams at FCMs, clearing members and swap reporting entities should note the comment deadline.

Comments to OIRA are due on or before November 30, 2026, under OMB Control No. 3038-0103.
The collection covers Forms 102A, 102B, 102S, 40, 40S and 71 arising under §§ 17.01, 18.04, 18.05 and 20.5.
The CFTC estimates 1,779 respondents, 102 average burden hours per respondent, and 188,980 total annual burden hours, on occasion.
One anonymous commenter said the burden analysis aggregated seven instruments across 1,779 heterogeneous entities without itemising form-specific burden; the Commission is retaining its estimates.
The 60-Day Notice was published August 6, 2026 at 91 FR 50813.

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Bank of England Source document ↗

United Kingdom Bank of England Digital Assets ✓ 13 claims 29 Oct 2026

Bank of England consults on CCPs accepting tokenised collateral in clearing

The Bank of England has opened a consultation on how central counterparties can accept tokenised forms of eligible collateral. It covers a proposed Supervisory Statement clarifying how the Bank would assess such applications, and sits within the wider UK push on digital wholesale markets. Worth a few minutes for anyone running collateral, clearing or tokenisation workstreams.

The Bank of England opened the consultation on 29 October 2026, with responses due by 12 February 2027.
The Bank considers the existing regulatory framework is not a barrier to CCPs accepting tokenised eligible collateral, provided it meets central clearing standards.
Tokenised collateral must remain capable of being valued, transferred and realised when needed, including in stressed conditions.
A proposed Supervisory Statement would clarify how the Bank assesses applications involving tokenised collateral, applying same risk, same regulatory outcome.
The work is part of joint activity with the FCA, HM Treasury and industry on UK digital wholesale financial markets.

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Bank of England Publications Source document ↗

United Kingdom Bank of England Publications Digital Assets ✓ 19 claims 29 Oct 2026

Bank of England sets out expectations for CCPs accepting tokenised collateral

The Bank of England has opened a consultation on draft supervisory expectations for central counterparties that want to accept tokenised versions of collateral already eligible under the proposed UK CCP Rulebook. It creates no new regime but clarifies what the Bank expects CCPs to consider, and separately asks industry about stablecoins, tokenised money market fund units and tokenised gold as future collateral. Responses close 12 February 2027.

The draft supervisory statement creates no separate regime but clarifies token-specific factors CCPs must consider under the existing CCP Rulebook process.
Expectations cover liquidity, valuation and interoperability, settlement finality, credit and concentration risk, operational resilience, and custody and safeguarding.
Any new collateral type, including tokenised versions of already-accepted assets with non-identical risks, requires the Bank's permission through the margin permissions process.
The expectations apply to UK CCPs and to recognised non-UK CCPs the Bank deems systemically important to UK financial stability.
The consultation closes on 12 February 2027 and separately seeks views on stablecoins, tokenised MMF units and tokenised gold as future collateral.

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Department for Business and Trade — export control Source document ↗

United Kingdom Department for Business and Trade — export control Governance & Accountability ✓ 13 claims 29 Oct 2026

UK guidance on employment agency rules updated to name Fair Work Agency

This is a housekeeping update to long-standing guidance on the Conduct of Employment Agencies and Employment Businesses Regulations 2003. It matters mainly for recruitment firms checking who to contact and which regulator now enforces the rules, following the creation of the Fair Work Agency.

From 7 April 2026 the Fair Work Agency (FWA) replaced the Employment Agency Standards (EAS) Inspectorate as the body named in the guidance.
On 29 October 2026 the department updated contact details at the bottom of each attachment from Employment Standards Agency to Fair Work Agency.
On 22 June 2026 the PDF version of the guidance was removed and replaced with an accessible HTML version.
Regulation 13A requires a 'Key information document' for agency workers, a requirement that took effect from 6 April 2020.
The guidance also covers Regulation 18 on information agencies must obtain from hirers and Regulation 21 on information to be provided to work-seekers and hirers.

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ISDA Source document ↗

Global ISDA Markets & Infrastructure ✓ 19 claims 29 Oct 2026

ISDA adds AI tracer agent to reporting tool, flags 43 removable CFTC-SEC fields

ISDA chief executive Scott O'Malia sets out how the association is applying AI to its Digital Regulatory Reporting solution and where it wants regulators to cut complexity. For anyone running derivatives trade reporting across CFTC, SEC, FCA and ESMA regimes, this is the direction of travel on both tooling and rule simplification.

ISDA has launched the AI-powered DRR Tracer Agent, giving users an auditable record mapping DRR interpretations back to regulatory reporting requirements.
Four more AI agents are in development: a Translator Agent, a Coder Agent, a Knowledge Agent and a Mapper Agent.
The DRR, launched in 2022 on the Common Domain Model, now covers eight further regimes and is committed to 14 reporting rule sets in nine jurisdictions.
In its CFTC-SEC consultation response, ISDA scrutinised 177 data fields and identified 43 it says provide no regulatory value or duplicate existing data.
ISDA says industry working groups will still review and agree DRR interpretations, with AI speeding the translation of those judgments into code.

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Federal Register — CFTC Source document ↗

United States Federal Register — CFTC Markets & Infrastructure ✓ 25 claims 29 Oct 2026

CFTC doubles its estimate of registered derivatives clearing organizations

This Federal Register notice renews a long-standing information collection covering DCO registration and ongoing reporting under CFTC Part 39. Behind the procedural language sits a sharp revision to the agency's own count of market participants, plus a pointed rejection of a request to use the process to impose new tokenized-collateral recordkeeping rules.

The Commission increased its estimate of registered DCOs from 13 to 24 and full-registration applicants from one to 10, based on data as of July 2026.
Total estimated annual burden hours for the collection rose to 98,886 across an estimated 109 respondents filing 26,119 annual responses.
Capital and start-up or operations and maintenance costs associated with the collection are estimated at $821,470.
A commenter's request to add recordkeeping and risk-analysis requirements for tokenized collateral, based on CFTC Staff Letter No. 25-39, was rejected because that guidance creates no additional rights or requirements.
Comments on the extension are due to OIRA by November 30, 2026, following an earlier 60-day comment period published August 6, 2026.

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Federal Register — Treasury Source document ↗

United States Federal Register — Treasury Governance & Accountability ✓ 17 claims 29 Oct 2026

FinCEN renews OMB clearance for its service feedback survey program

A routine Paperwork Reduction Act notice covering FinCEN's generic clearance for collecting public feedback on its service delivery. The item matters mainly to institutions that receive FinCEN surveys and to compliance teams tracking reporting burden estimates, with a comment deadline of November 30, 2026.

Comments on the renewal are due on or before November 30, 2026, submitted via www.reginfo.gov.
FinCEN revised its estimates upward by approximately 28 respondents and six burden hours per year after identifying an additional survey for the collection.
The revision adds a total of 84 respondents and 18 hours over the full three-year period covered by this notice.
Estimated average number of expected respondents annually is 5,245, out of an estimated average potential pool of 39,755.
Estimated average total annual reporting burden is 1,502 hours, with an estimated total three-year reporting burden of 4,507 hours.

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HKMA — Hong Kong Monetary Authority Source document ↗

HKMA — Hong Kong Monetary Authority Prudential & Capital ✓ 17 claims 29 Oct 2026

HKMA says HK markets orderly after Fed holds rates at 3.75-4%

The HKMA responded to the Federal Reserve's decision to hold rates steady, noting Hong Kong's markets remain orderly while flagging risks from the persistent interest rate differential between the two currencies. The statement is a routine market commentary rather than a policy change, but signals what the authority is watching.

The Fed kept the federal funds rate target range unchanged at 3.75-4% on 29 October 2026, in line with market expectations.
The Fed's statement cited strong economic activity, a stable labour market, and inflation that has remained elevated.
The HKMA said the persistent HKD-USD interest rate differential may cause carry trade activity to gradually ease the Hong Kong dollar.
The HKMA said the Hong Kong dollar and interbank rate outlook depends on factors including carry trade risk appetite and HKD supply-demand conditions.
The HKMA advised the public to carefully manage interest rate risks in decisions on property purchase, investment or borrowing.

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ADGM Abu Dhabi — announcements Source document ↗

United Arab Emirates ADGM Abu Dhabi — announcements Governance & Accountability ✓ 13 claims 29 Oct 2026

ADGM fines MCA Auditors and audit principal $88,000 over audit failings

ADGM's Registration Authority has penalised an audit firm and its registered audit principal following an inspection of a single engagement for an ADGM-registered company. The case sets out the specific audit failings found and the factors the RA weighed in setting the penalty split between firm and individual.

The RA imposed USD 52,000 on MCA Auditors and Advisors LLP and USD 36,000 on its Audit Principal following an inspection.
Deficiencies were identified in risk assessment procedures, fraud risk considerations, group audit requirements, communications with those charged with governance, and insufficient evidence over material areas.
The RA found limited evidence of the Audit Principal's involvement throughout the engagement.
Penalties reflected cooperation provided, acknowledgement of inspection findings, and MCA's root-cause analysis and remediation plan.
Decision Notices describing the contraventions have been published separately for the firm and the Audit Principal.

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ADGM Abu Dhabi — announcements Source document ↗

United Arab Emirates ADGM Abu Dhabi — announcements Digital Assets ✓ 18 claims 29 Oct 2026

ADGM issues region's first dedicated guidance on crypto mining activities

ADGM's Registration Authority has published standalone guidance covering commercial licensing, governance and disclosure expectations for crypto mining operators. It sets the regulatory perimeter between commercial mining and FSRA-regulated financial services, and is the first phase of a wider framework the RA plans to develop. Compliance teams considering mining operations in the UAE should review the licensing pathway and disclosure requirements it sets out.

The Guidance is issued under section 23 of the Commercial Licensing Regulations 2025 and treats crypto mining as a licensable commercial activity, not a regulated financial service.
A dedicated commercial licence with business activity code 7230 is highlighted for crypto mining operators.
Operators must disclose corporate structure and ultimate beneficial ownership, and must confidentially disclose on-chain reward-flow addresses.
This publication is described as the first phase of the RA's approach; a second phase will develop a regulatory framework, to be consulted on with the market in due course.
The Guidance follows an eight-week public consultation published earlier in the year that generated feedback used to tailor the final text.

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Federal Register — SEC Source document ↗

United States Federal Register — SEC Markets & Infrastructure ✓ 16 claims 28 Oct 2026

Cboe BYX widens fee definition to capture tokenized and dealer trading venues

Cboe BYX Exchange filed a fee schedule amendment broadening its 'Trading Platform' definition beyond exchanges, ATSs and ECNs to any system that systematically executes third-party orders electronically, including single-dealer platforms and tokenized venues. The change is effective immediately but open for comment, with implications for which venues pay the higher non-display data fee.

BYX filed SR-CboeBYX-2026-040 on October 19, 2026, replacing an earlier version it withdrew that had been submitted September 1, 2026 as SR-CboeBYX-2026-031.
The amended definition adds a catch-all category covering any system through which third-party orders are systematically executed by electronic means, naming broker crossing systems not filed as ATSs, systematic internalization systems, and decentralized blockchain-based or tokenized environments as examples.
A Trading Platform is subject to a fee of $2,000/month for BYX Depth for Non-Display Usage, versus $1,000/month for a non-Trading Platform.
The rule change became effective immediately under Section 19(b)(3)(A) of the Exchange Act, though the Commission may summarily suspend it within 60 days of filing.
Comments on the filing are due on or before November 16, 2026, referencing file number SR-CboeBYX-2026-040.

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US Federal Trade Commission — press releases Source document ↗

United States US Federal Trade Commission — press releases Conduct & Consumer ✓ 16 claims 28 Oct 2026

FTC orders nine firms to reveal personalised pricing and gig pay methods

The Federal Trade Commission has compelled nine airlines, ride-sharing and food-delivery firms to hand over the methodologies behind how they set consumer prices and gig-worker compensation. The inquiry targets whether personal data is used to charge different people different amounts for the same product, and whether driver pay turns on opaque formulas. Recipients have 45 days to respond.

The FTC issued Section 6(b) orders to Delta, United, JetBlue, Lyft, Uber, DoorDash, Instacart, Target and Walmart.
Recipients have 45 days from receipt of the orders to respond, and non-compliance can be compelled in federal court.
The orders seek the inputs, tools and procedures used to set or adjust both consumer pricing and gig-worker compensation.
The Commission vote to approve the special orders was 2-0.
The FTC says its mid-2024 personalised pricing study examined only middleman consultancies, and this inquiry demands information directly from the firms that set prices.

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Federal Register — SEC Source document ↗

United States Federal Register — SEC Markets & Infrastructure ✓ 16 claims 28 Oct 2026

Cboe EDGX drops duplicate disclosure notice for UTP-traded funds

Cboe EDGX Exchange has filed an SEC rule change removing its requirement to issue a separate information circular before trading begins in securities admitted under unlisted trading privileges. The filing took effect immediately. This briefing covers what the rule change removes, what it adds, and why the Commission waived the standard 30-day delay.

The Exchange deleted Rule 14.1(c)(1) in its entirety, removing its own pre-trading information circular requirement for UTP Derivative Securities.
Rule 14.1(a) gains express cross-references to Rule 3.7 (suitability) and Rule 3.21 (customer disclosures for extended-hours trading).
Current Rule 14.1(c)(2)(B) is amended so the written description must be in a form approved by the listing exchange or prepared by the issuing open-ended management company.
Current Rules 14.1(c)(2) through (5) are renumbered as Rules 14.1(c)(1) through (4), with a conforming cross-reference update in Interpretations and Policies .01.
The SEC waived the standard 30-day operative delay under Rule 19b-4(f)(6)(iii), making the change effective upon filing, with comments due by November 16, 2026.

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DOJ Criminal Division Source document ↗

United States DOJ Criminal Division Financial Crime ✓ 19 claims 28 Oct 2026

Former US Army official pleads guilty to bribery over Hawaii defense contracts

A former civilian US Army official has pleaded guilty to conspiracy, bribery and major fraud over a scheme that corrupted competition for a Pacific technology innovation lab. The case shows the Procurement Collusion Strike Force continuing to pursue contract fraud, and sits alongside a pending trial of two defense contractors scheduled for May 2027. It matters for anyone managing government contracting integrity.

Carlos Duque pleaded guilty on October 28, 2026 to conspiracy, bribery and major fraud in the District of Hawaii.
The scheme ran from January 2021 to October 2022 and involved an agreed bribe of approximately $1.25 million over five years, of which Duque received approximately $55,000.
The US Army paid over $3 million to the company controlled by coconspirators Brian Kent and Leonard Pick.
Duque faces up to 15 years on the bribery count and agreed to forfeit $55,166.70; sentencing follows under the Sentencing Guidelines.
Kent and Pick were indicted in May 2026 and are scheduled for trial on May 17, 2027.

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DOJ Criminal Division Source document ↗

United States DOJ Criminal Division Financial Crime ✓ 18 claims 28 Oct 2026

Virginia mental health executive charged in $49M Medicaid crisis-services fraud

The Justice Department's new Fraud Division has indicted the co-owner of a Richmond-area mental health provider over a $49 million scheme to bill Virginia Medicaid for crisis services that were not delivered as claimed. The case illustrates how the department's reorganised health care fraud apparatus is pursuing behavioral health providers, and the evidentiary patterns, falsified signatures and audit obstruction, that prosecutors are building around.

Mikia Antoneice Noble, co-owner and COO of ACE, was indicted October 20 and arrested October 28 over a $49 million Virginia Medicaid fraud scheme.
Prosecutors allege ACE billed for crisis services as if delivered by qualified teams when only a single low-level professional attended.
The indictment alleges over $2 million paid for hotel rentals to induce beneficiaries, plus falsified records and lies to Managed Care Organization audits.
Noble faces conspiracy to commit health care fraud and three counts of health care fraud, each carrying a maximum of 10 years in prison.

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FINRA Source document ↗

United States FINRA Markets & Infrastructure ✓ 15 claims 28 Oct 2026

FINRA clarifies options rules now cover binary options, effective immediately

FINRA's October 28 digest confirms a rule change that already took effect this week: binary options now fall squarely under existing options oversight. Compliance and legal teams at member firms offering or clearing these products should understand which rules now apply and the margin computation changes before examiners ask about them.

Regulatory Notice 26-21, published Oct. 26, 2026, applies Rules 2220, 2360 and 4210 to binary options.
The notice covers binary options whose payout is based on an issuer's reported financial or operating metrics.
It also covers binary options cleared by a registered clearing agency other than The Options Clearing Corporation.
FINRA updated its Rule 4210 interpretations to clarify the required margin computations for binary options.
The rule changes took effect Oct. 22, 2026, four days before the explanatory notice was published.

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FINRA Source document ↗

United States FINRA Conduct & Consumer ✓ 23 claims 28 Oct 2026

SEC clears FINRA rule letting brokers show performance projections to clients

FINRA's October 21 weekly update confirms SEC approval of a rule change allowing member firms to include performance projections in communications with investors, alongside several other near-term compliance deadlines. Compliance officers tracking advertising rules, underwriting compensation disclosure and qualification exam policy should note the staggered effective dates listed.

The SEC approved FINRA's amendment to Rule 2210 on Oct. 15, 2026, allowing performance projections and targeted returns in public communications subject to certain conditions.
FINRA has not yet set an effective date for the Rule 2210 amendment and will announce it in a future Regulatory Notice.
Regulatory Notice 26-19, published Oct. 21, amends Rules 5110 and 5123; the Rule 5123 changes take effect Oct. 21 and the Rule 5110 changes take effect Dec. 21.
Regulatory Notice 26-18, published Oct. 14, details shortened waiting periods for retaking failed qualification exams, effective Jan. 19, 2027.
Responses to the 2026 Customer Information Request are requested by Nov. 18, and SFAC/Regional Committee candidate forms are due by Nov. 19.

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FINRA Source document ↗

United States FINRA Conduct & Consumer ✓ 18 claims 28 Oct 2026

FINRA drops principal approval for late bulk adviser order allocations

FINRA's Oct. 14 weekly update summarizes Regulatory Notice 26-17, which finalizes amendments to Rule 4515.01 governing how firms allocate bulk orders placed by investment advisers. The change is part of the broader FINRA Forward rule modernization effort and removes a specific post-trade review step for member firms.

FINRA Regulatory Notice 26-17, published Oct. 9, summarizes amendments to Rule 4515.01 on allocations of orders made by investment advisers.
The amendments eliminate the requirement that a principal review and approve allocations of bulk investment adviser orders received after trade date.
The notice text states the amendments take effect Nov. 16, 2026.
A separate Regulatory Reminders entry in the same FINRA update states the rule change takes effect Nov. 6.
The amendments are described as part of the FINRA Forward rule modernization initiative.

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Securities and Exchange Commission Source document ↗

United States Securities and Exchange Commission Conduct & Consumer ✓ 16 claims 28 Oct 2026

Nasdaq to publish all disciplinary complaints and drop $10,000 fine threshold

Nasdaq has filed an immediately effective rule change expanding public disclosure of its disciplinary process. The amendment, operative November 14, 2026, replaces summaries with full document publication and removes the monetary threshold that previously shielded smaller fines from release. Compliance teams tracking member exam outcomes should note the broadened scope.

The rule change was filed October 15, 2026 and becomes operative November 14, 2026.
The $10,000 monetary threshold below which Nasdaq previously withheld disciplinary decisions is eliminated entirely.
Nasdaq will publish full copies of disciplinary complaints and decisions rather than summaries, mooting the prior practice of releasing information about such documents.
Proposed IM-8310-3(a)(1) defines disciplinary complaint to include notices issued under Rules 9400 and 9810, a scope broader than FINRA's or NYSE's equivalent rules.
The rule adds public release of eligibility decisions involving members or associated persons previously subject to statutory disqualification.

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Securities and Exchange Commission Source document ↗

United States Securities and Exchange Commission Markets & Infrastructure ✓ 22 claims 28 Oct 2026

NYSE American waives floor broker credit cap for October 2026 amid outcry volumes

NYSE American has filed an immediately effective fee change waiving, for October 2026, the monthly cap on combined Floor Broker credits for QCC trades and rebates under its Manual Billable Rebate Program. It is the latest in a run of adjustments to the same ceiling across 2025 and 2026, driven by what the exchange calls elevated open outcry volume and the risk that brokers hitting the cap redirect flow to rival venues.

The waiver removes, for October 2026 only, the per-firm monthly ceiling on combined Floor Broker QCC credits and Manual Billable Rebate Program rebates.
The cap was $3,000,000 in 2025, was raised to $4,000,000, waived for January and February 2026, and increased to $5,500,000 in March 2026.
The change is effective immediately on filing under Section 19(b)(3)(A) as a fee change; the SEC may summarily suspend it within 60 days.
NYSE American reports a 12.39% market share of executed multiply-listed equity and ETF options volume in September 2026, with no exchange above 16%.
No written comments were solicited or received; comments are due 21 days after Federal Register publication, file number SR-NYSEAMER-2026-95.

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FINRA Source document ↗

United States FINRA Conduct & Consumer ✓ 10 claims 28 Oct 2026

FINRA and SIFMA Foundation launch five-year investor education alliance

FINRA and the SIFMA Foundation announced a five-year partnership to expand financial education for young people, citing survey data on parental confidence gaps and the growth of youth-targeted investment products. The item is relevant to compliance and government affairs teams tracking regulator priorities on financial literacy and retail investor protection.

FINRA and the SIFMA Foundation announced a five-year strategic alliance on October 28, 2026 to expand investor education for young people.
A SIFMA Foundation survey found 92% of parents believe it is critical for children to learn about investing, while 78% lack confidence to teach investing basics at home.
The survey also found 76% of respondents believe financial education should start before high school.
The Stock Market Game, the Foundation's flagship program launched in 1977, has reached more than 24 million young people to date.
The announcement references new initiatives such as Trump Accounts and the growth of online investing apps and finfluencers as context for the alliance.

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Bank Policy Institute Source document ↗

United States Bank Policy Institute AI, Technology & Data ✓ 13 claims 28 Oct 2026

Bank Policy Institute frames agentic AI debate around two use cases, four questions

The Bank Policy Institute, via an American Banker op-ed, sets out how it sees agentic AI in banking: two distinct use cases and four questions it says should not be conflated. For compliance and government affairs teams tracking how the industry is positioning ahead of rulemaking, it signals the arguments banks intend to press on AI agents accessing and managing customer accounts.

BPI identifies two major agentic AI use cases: an agent transacting on a customer's account, and an agent managing the account.
Account management is framed as sweeping funds to higher-yielding products or moving uninsured deposits out of a struggling bank.
BPI says these use cases raise four important questions that should not be conflated, without the questions being enumerated in the excerpt.
The op-ed, by Greg Baer and Paige Pidano Paridon, was originally published by American Banker on October 28, 2026.

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Federal Reserve Source document ↗

United States Federal Reserve Prudential & Capital ✓ 18 claims 28 Oct 2026

Fed holds rates at 3.75-4% as two members dissent for a hike

The Federal Open Market Committee left the federal funds target range at 3-3/4 to 4 percent on October 28, 2026, describing economic activity as expanding at a strong pace while inflation remains elevated. Two members dissented in favour of tightening. This item covers what the statement says, how the vote split, and what the hawkish dissent signals for the path ahead.

The FOMC maintained the federal funds target range at 3-3/4 to 4 percent on October 28, 2026.
The statement was approved by a 10-2 vote, with Lisa D. Cook and Beth M. Hammack dissenting in favour of a 1/4 percentage point increase.
The Committee said economic activity is expanding at a strong pace and that inflation remains elevated, reaffirming its 2 percent goal.
The Fed is continuing its policy of maintaining ample reserves in the banking system.

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AFM Netherlands Source document ↗

European Union AFM Netherlands Markets & Infrastructure ✓ 13 claims 28 Oct 2026

AFM tells firms to start T+1 testing as EU rulebook is finalised

The AFM relays ESMA's message that the European regulatory framework for T+1 settlement is now complete and the burden has shifted to implementation. With roughly a year to go before the 11 October 2027 go-live, firms are urged to finish their preparations, test operational readiness across the chain, and meet the first binding obligations that take effect in December 2026.

The EU moves to T+1 settlement on 11 October 2027, settling trades one business day after the trade date instead of two.
ESMA regards the regulatory framework as complete following publication of the final technical standards and guidelines.
The first new obligations for transaction allocations and confirmations take effect on 7 December 2026.
ESMA urges firms to assess operational readiness and begin testing across the trading and settlement chain as soon as possible.
The change affects banks, investment funds, investment firms, pension providers and insurers.

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Securities and Exchange Commission Source document ↗

United States Securities and Exchange Commission Markets & Infrastructure ✓ 22 claims 28 Oct 2026

NSCC shifts annuity re-registration duties from ACATS to I&RS system

A procedural rule filing from NSCC changes how annuities and other insurance products move between broker-dealers during account transfers. The segment covers which ACATS functions are being retired, how the new I&RS-based process works, and the implementation date, relevant to any firm still relying on the legacy ACATS/Insurance Processing Service.

NSCC will implement the proposed rule change on November 20, 2026.
Fewer than ten Members currently use the ACATS/Insurance Processing Service, introduced in 2005.
NSCC will decommission the Insurance Registration (IR) Record, the insurance statistics file, and Receiver and Deliver Insurance Instructions.
Section 8 of NSCC Rule 50 will be amended to remove references to I&RS Products and related daily confirmation reports.
The filing took effect immediately under Section 19(b)(3)(A) and Rule 19b-4(f)(4), with the SEC retaining a 60-day window to suspend it.

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CFTC — Commodity Futures Trading Commission Source document ↗

United States CFTC — Commodity Futures Trading Commission Markets & Infrastructure ✓ 12 claims 28 Oct 2026

CFTC sets December 15 roundtable on 24/7 derivatives trading

The CFTC has announced a public roundtable to discuss whether and how derivatives markets should move toward continuous trading. The session follows an earlier request for comment and will bring industry participants together to address infrastructure, staffing and market integrity questions before any rule changes are considered.

The CFTC will host the roundtable on December 15 at its Washington, D.C. headquarters.
The event builds on a Request for Comment on 24/7 trading that the CFTC issued earlier in the summer.
Topics will include overnight trading, tokenization, infrastructure and staffing needs, and operational readiness.
The roundtable will be open to the public and livestreamed on CFTC.gov, though in-person attendance may be limited.
Members of the public can submit speaker nominations by email, with agenda and registration details to follow.

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SFC Hong Kong Source document ↗

SFC Hong Kong Markets & Infrastructure ✓ 21 claims 28 Oct 2026

SFC launches 15-day fast-track authorisation for funds from MRF jurisdictions

Hong Kong's SFC has created a new accelerated authorisation route for simple retail funds domiciled in jurisdictions with which it holds mutual recognition arrangements. This circular sets out which funds qualify, the compressed timeline, and the pilot period during which the SFC will decide whether to make it permanent.

FASTrack targets authorisation within 15 business days of a complete application, against the standard one-to-two month and non-standard two-to-three month targets.
The SFC will take up or refuse an application within five business days and, if taken up, grant authorisation within 10 further business days.
Eligible funds must be equity, bond or mixed funds, index-tracking ETFs or unlisted funds, or feeder funds whose master fund is FASTrack-eligible, and must not be complex products.
The management company must be located in an MRF jurisdiction or an SFC-acceptable inspection regime (AIR) jurisdiction with good regulatory records.
FASTrack took effect on 4 November 2024 with a six-month pilot period ending 4 May 2025, after which the SFC will consider formal adoption.

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SFC Hong Kong Source document ↗

SFC Hong Kong Markets & Infrastructure ✓ 14 claims 28 Oct 2026

SFC sets October 2027 deadline for fund liquidity tool overhaul

The SFC has issued guidance supplementing its 2016 liquidity circular, requiring managers of SFC-authorised funds to align redemption terms with asset liquidity and expand use of anti-dilution tools. The circular operationalises 2025 IOSCO recommendations and gives managers until October 2027 to comply.

Funds investing mainly in less liquid assets, meaning more than 50% of AUM, and offering daily dealing must implement anti-dilution tools.
Funds allocating more than 30% of AUM to illiquid assets should redeem at lower than daily frequency and/or require notice or settlement periods.
Managers must immediately report to the SFC when quantitative-based liquidity tools or other measures, except borrowing and credit facilities, are activated.
Compliance deadline is no later than 31 October 2027, the end of the 12-month transitional period from the UT Code's effective date.
Managers must classify fund assets as liquid, less liquid or illiquid based on quantitative and qualitative factors under normal and stressed conditions.

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SFC Hong Kong Source document ↗

SFC Hong Kong Markets & Infrastructure ✓ 24 claims 28 Oct 2026

SFC issues implementation guidance for revised fund code ahead of 2026 deadline

Hong Kong's SFC has published a package of circulars, FAQs and revised guides to help fund managers prepare for the revised Code on Unit Trusts and Mutual Funds, which takes effect 1 November 2026. The material covers derivatives exposure, liquidity risk management and money market fund disclosure, and is relevant to anyone managing or distributing SFC-authorised retail funds.

The revised UT Code was gazetted on 16 October 2026 and takes effect on 1 November 2026, following consultation conclusions issued 7 October 2026.
Funds will be subject to a 12-month transitional period, with new FAQs setting out implementation and transitional arrangements.
A revised derivatives guide introduces a Value-at-Risk approach, including calculation methodology and standards for managing funds' derivatives exposure.
A supplemental circular on liquidity risk management sets out enhanced requirements for assessing asset and portfolio liquidity, redemption terms, and the design and use of liquidity risk management tools.
Updated money market fund guidance sets minimum credit quality standards for eligible high-quality instruments and enhanced key facts statement disclosure for MMFs offering a constant NAV.

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Federal Register — SEC Source document ↗

United States Federal Register — SEC Markets & Infrastructure ✓ 14 claims 28 Oct 2026

MEMX aligns erroneous-trade rules with new overnight LULD price bands

This filing covers MEMX's proposed amendment to Rule 11.15 on clearly erroneous executions, prompted by the SEC's approval of Overnight Price Bands for round-the-clock trading. Compliance and trading operations staff at member firms should review the mechanics, since the change alters when a trade can be broken during overnight hours and takes effect alongside industry-wide 23/5 trading.

MEMX filed the proposal on October 19, 2026 under File No. SR-MEMX-2026-33, effective immediately under Section 19(b)(3)(A)(iii).
The SEC approved Overnight Price Bands via Amendment 27 to the LULD Plan on August 5, 2026 (Release No. 106042).
The rule reverses changes MEMX made in its September 2026 23/5 Filing (SR-MEMX-2026-28) to Rule 11.15(c)(2)(A)-(D), (d)(3), and (f).
Overnight Protected Hours are defined as 9:00 p.m. ET through 4:00 a.m. ET, with separate Overnight Percentage Parameters applying to that window.
The change becomes operative at the start of industry-wide 23/5 trading, scheduled for December 6, 2026, with comments due by November 18, 2026.

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Alliance for Financial Inclusion Source document ↗

Global Alliance for Financial Inclusion Sustainability ✓ 20 claims 28 Oct 2026

AFI presents inclusive green finance work at EIB central bank workshop

A short dispatch on a peer-learning event rather than a rulemaking. It covers what the Alliance for Financial Inclusion told an EIB workshop about how member central banks are folding climate risk and green finance into their mandates, and flags a new voluntary framework, the Port Moresby Compact, that sits behind the remarks.

AFI's Johanan Nyman addressed the European Investment Bank's peer learning workshop for central banks in Luxembourg on 27 October 2026.
The workshop brings together senior central bank representatives from Africa, Southeast Asia, Eastern Europe, the Caucasus and the Western Balkans.
The Central Bank of Egypt presented sustainable finance guidelines, mandatory reporting requirements, and environmental and social risk management frameworks.
AFI has launched the Port Moresby Compact on Inclusive Green Finance, a voluntary, non-binding framework endorsed by AFI members and partners.
The event was supported by Germany's BMUKN, Luxembourg's MECB, the European Commission, the NDC Partnership, the Climate Bonds Initiative and the NGFS.

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Department for Business and Trade — export control Source document ↗

United Kingdom Department for Business and Trade — export control Governance & Accountability ✓ 14 claims 28 Oct 2026

UK updates voluntary code for executive search firms on board diversity

This briefing covers a minor but notable update to the UK's voluntary code of conduct for executive search firms, which governs how search firms run board-level hiring processes. The code underpins gender diversity targets on UK boards and has just been amended twice in under a year.

The code of conduct was last amended on 28 October 2026 to remove 'FTSE' from references to the Women Business Leaders Review.
A 5 January 2026 update revised the introduction, provisions 1, 2 and 5, and the 'embedding and developing the code' section.
The code has set a longlist target of 40% since an update made on 16 March 2021.
Around 100 executive search firms have signed the code, which the department says cover the vast majority of UK board work.
The code originates from the 2011 Davies Review and was last substantively republished on 15 November 2017.

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HKMA — Hong Kong Monetary Authority Source document ↗

HKMA — Hong Kong Monetary Authority Sustainability ✓ 21 claims 28 Oct 2026

HKMA finalises bank transition planning guidelines, expands green taxonomy to Phase 2B

Deputy Chief Executive Arthur Yuen used the One Earth Summit 2026 to set out where Hong Kong's sustainable finance framework now stands. Two things have moved: the bank transition planning guidelines are finalised, and the Phase 2B taxonomy prototype adds adaptation measures tailored to local physical risk. Disclosure requirements for the banking sector remain in development. Worth a few minutes for anyone mapping Hong Kong's climate supervisory stack.

The transition planning guidelines for banks have just been finalised, intended to help banks manage climate-related risks and support clients' transition.
The Phase 2B taxonomy prototype contains 39 mitigation activities and 28 adaptation measures, including battery manufacture and recycling and the manufacture of low-carbon technologies.
The HKMA is developing climate disclosure requirements for the banking sector, which are not yet in force.
Since 2019, nearly HK$280 billion of government green bonds have been issued, with proceeds allocated to over 110 government green projects.
The taxonomy is among the first in the region to include a climate change adaptation objective, with standards for flooding, storm damage and shoreline protection in Hong Kong.

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DOJ Criminal Division Source document ↗

United States DOJ Criminal Division Financial Crime ✓ 20 claims 28 Oct 2026

DOJ reports 712 defendants charged in elder fraud cases targeting older Americans

The Justice Department's Civil Division has delivered its eighth annual report to Congress on elder fraud and abuse, covering the year to 30 June 2026. For compliance and financial crime leads at banks and payment firms, the figures map where elder financial exploitation is concentrating, how much of it crosses borders, and the scale of the victim population the government is now tracking.

The report covers the period from July 1, 2025 through June 30, 2026 and is the Department's eighth annual report to Congress on elder fraud and abuse.
Cases named 712 defendants charged with stealing or alleged to have stolen $4,841,305,931 from 711,353 victims.
Approximately 96% of the nearly 350 enforcement actions were criminal and 45% involved international schemes.
Victims of Crime Act funded organizations allocated $52 million to elder abuse victim services during the period.
The Department ran nearly 1,200 awareness and training events reaching over 62 million Americans and supported the Never Ever Campaign reaching over 95 million individuals.

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American Bankers Association — newsroom Source document ↗

United States American Bankers Association — newsroom Prudential & Capital ✓ 13 claims 28 Oct 2026

UMB to buy El Dorado Savings Bank for $506 million in cash and stock

Two bank acquisitions were announced this week, both reported by ABA Banking Journal's M&A newsbytes feed. The deals involve a large acquirer buying a community bank in California and a regional bank buying a smaller holding company in Tennessee, each pending regulatory approval and expected closing.

UMB Financial, a $70.8 billion-asset bank, will pay $506 million in cash and stock for the $2.4 billion-asset El Dorado Savings Bank.
The UMB-El Dorado deal is expected to close in the first quarter.
Renasant, a $27.5 billion-asset bank, will pay $106.3 million in stock for Commercial Holding, parent of the $1.1 billion-asset Commercial Bank & Trust.
Commercial Holding's investors will receive a $35.7 million special dividend prior to the deal closing.

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American Bankers Association — newsroom Source document ↗

United States American Bankers Association — newsroom Financial Crime ✓ 11 claims 28 Oct 2026

21 state attorneys general sue FinCEN to restore beneficial ownership reporting

A coalition of 21 Democratic state attorneys general is challenging the rollback of beneficial ownership reporting under the Corporate Transparency Act. The suit asks a federal court in Oregon to vacate FinCEN's August rule, halt the planned deletion of data already filed, and force the agency to resume collection. For compliance teams, it reopens a question many treated as settled.

Twenty-one Democratic state attorneys general filed suit in Oregon to reverse FinCEN's rollback of beneficial ownership reporting.
In August, FinCEN finalized a rule removing the BOI reporting requirement for US companies and persons under the Corporate Transparency Act.
FinCEN also announced plans to delete previously reported information from the BOI database.
The lawsuit asks the court to vacate the rule, retain previously reported BOI, and order the agency to resume collection.
The plaintiffs argue the rule exempts all domestic companies, over 99.9% of the entities originally required to report, and amounts to repealing the act by rulemaking.

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Federal Register — SEC Source document ↗

United States Federal Register — SEC Markets & Infrastructure ✓ 19 claims 28 Oct 2026

SEC approves OCC overhaul of membership, risk and suspension rules

The SEC has approved a sweeping rule change filed by the Options Clearing Corporation covering clearing membership admission, ongoing standards, disciplinary proceedings and suspension rules. Compliance and risk teams at clearing members should understand the new physical office, capital, reporting and disciplinary provisions before they take effect.

OCC's Risk Committee may now delegate authority to approve or deny clearing membership applications to designated delegates or agents, removing the need to wait for quarterly Risk Committee meetings.
Proposed Rule 201(b) requires clearing member applicants to maintain at least one year of operating history in the same or substantially same business activity, or senior personnel with sufficient relevant experience.
Proposed Rule 204(g) and Rule 302(b) require applicants and clearing members to maintain physical office space unless OCC determines a remote model does not pose heightened risk, with on-site visits permitted on no more than 24 hours' notice.
Proposed amendments require notice of Statutory Disqualification or formal regulatory investigation within two business days, and amend Rule 301(b) to let OCC set discretionary minimum capital levels above current requirements.
Proposed Rule 1201(a) adds fines to OCC's available sanctions and sets out examples of sanctionable conduct, including providing false financial information or a pattern of regulatory infractions.

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American Bankers Association — newsroom Source document ↗

United States American Bankers Association — newsroom Governance & Accountability ✓ 17 claims 28 Oct 2026

ABA's new chair Cathy Owen names digital assets, fraud and cyber as 2026-27 priorities

The American Bankers Association profiles Cathy Owen, its 2026-27 chair and head of Arkansas-based Eagle Bank & Trust. Beyond the personal narrative, the piece sets out the three issues she intends to drive during her term: navigating the digital asset marketplace, and combating fraud and cybersecurity threats. For compliance leaders, it signals where the industry's largest trade body will focus its advocacy.

Cathy Owen becomes ABA chair for 2026-27, serving as executive chair of Eagle Bank & Trust and chair and CEO of its holding company.
She names digital assets as a top priority, citing goals to protect the marketplace, stay regulatorily compliant, grow thoughtfully and modernise.
Fraud and cybersecurity are also on her agenda, with an emphasis on protecting both banks and their customers.
Eagle Bank & Trust holds more than $500 million in assets and closed nearly 2,000 mortgage loans last year, all sold into the secondary market with servicing released.
Owen was the first female chair of the Arkansas Bankers Association and chaired the board that hired its first female president and CEO.

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HM Treasury Consultations Source document ↗

United Kingdom HM Treasury Consultations Governance & Accountability ✓ 15 claims 28 Oct 2026

HM Treasury consults on corporate tax simplification to support investment

HM Treasury has opened a short consultation on simplifying the UK Corporate Tax system to improve certainty and support business investment, growth and competitiveness. It identifies areas where stakeholders have raised concerns about complexity and administrative burden and asks for input before detailed proposals are developed. Responses close on 21 November 2026, and the government says it will spend the following year prioritising and testing options.

The consultation was published by HM Treasury on 28 October 2026 and closes at 11:59pm on 21 November 2026.
It explores targeted simplification of the Corporate Tax system to support investment, growth and competitiveness.
The document identifies areas where stakeholders have raised concerns about complexity, uncertainty and administrative burdens.
The government says it will work with stakeholders over the next year to prioritise and test options before developing detailed proposals for the highest-priority areas.
Responses can be submitted by email to ct.simplification@hmrc.gov.uk.

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FCDO — sanctions announcements Source document ↗

United Kingdom FCDO — sanctions announcements Governance & Accountability ✓ 12 claims 28 Oct 2026

HMRC to require VAT and PAYE Direct Debit mandates from April 2029

HMRC has published its response to a 2026 consultation on requiring VAT and PAYE payments by Direct Debit. This briefing covers the final policy decision, the new implementation date, and the flexibility businesses retain to use alternative payment methods.

The consultation on requiring VAT and PAYE payments by Direct Debit ran from 9:30am on 23 June 2026 to 11:59pm on 16 August 2026.
HMRC published a summary of responses and its final policy outcome on 28 October 2026.
Businesses will be required to have a Direct Debit mandate in place by April 2029.
Businesses will retain flexibility to pay VAT and PAYE by another method before the payment due date, even once a mandate is in place.

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HM Treasury Consultations Source document ↗

United Kingdom HM Treasury Consultations Governance & Accountability ✓ 14 claims 28 Oct 2026

HM Treasury reports back on business rates reform to lift investment

HM Treasury has published its summary of responses to the Business Rates and Investment Call for Evidence, part of its multi-year Transforming Business Rates programme. The exercise tested whether moving to a marginal tax rate and reforming the receipts and expenditure valuation method would ease barriers to capital investment. This item covers what was consulted on and where reform now sits.

The Business Rates and Investment Call for Evidence ran from 1pm on 26 November 2025 to 11:55pm on 18 February 2026, with a summary of responses added on 28 October 2026.
The government committed to explore moving to a marginal tax rate, where successive bands are taxed at increasing rates, following the Transforming Business Rates Interim Report.
Ratepayers with large capital expenditure raised concerns about the impact of the receipts and expenditure (R&E) valuation methodology on investment decisions.
The exercise also sought views on Small Business Rates Relief, Improvement Relief, Empty Property Relief, pre-list discussions and transparency.

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