UK FCA Handbook Notice 136

The UK Financial Conduct Authority (FCA) published Handbook Notice 136, outlining amendments to the FCA Handbook resulting from the following statutory instruments:

• Dispute Resolution: Complaints Sourcebook (Motor Finance Complaints Handing) Instrument 2025, which entered into force on 5 December 2025. This extends the deadline for firms to send final responses to certain motor finance complaints.
• Consumer Composite Investments Instrument 2025, entering into force on 6 April 2026 and 7 May 2026. This introduces a new product information regime to help consumers understand the investment products they are buying.
• Complaints Reporting Instrument 2025, entering into force on 7 April and 31 December 2026. The changes seek to improve the quality of reported data allowing the FCA to detect consumer harm more quickly while also reducing firm burden.
• Simplification: Conduct and Product Governance of Non-Investment Insurance Business and Other Amendments Instrument 2025, which entered into force on 9 December 2025.
• Non-Financial Misconduct (No 2) Instrument 2025, entering into force on 1 September 2026. This introduces rules and guidance on non-financial misconduct to raise standards, increase accountability and build trust in financial services.
• Commodity Derivatives (Ancillary Activity Exemption) Instrument 2025, entering into force on 1 January 2027. This revises eligibility conditions for the ancillary activities exemption (see MiFID II section above for further information).
• Decision Procedure and Penalties Manual (Amendment) Instrument 2025, entered into force on 19 December 2025. The changes ensure that the guidance in the DEPP manual correctly reflects its application to penalties and public censures under sections 312E and 312F of the Financial Services and Markets Act 2000, as applied by the PISCES Regulations.
• Data Decommissioning (No 3) Instrument 2025, entering into force on 1 January 2026. The changes reduce the frequency of reporting requirements and data collections.
• Sustainability Labelling and Disclosure of Sustainability-Related Financial Information (Amendment) (No 2) Instrument 2025, which entered into force on 19 December 2025. These amendments give proper effect to the rules by clarifying how the labelling criteria can apply to fund managers in respect of index-tracking funds.
• Technical Standards (Strong Customer Authentication and Common and Secure Methods of Communication) (Amendment) Instrument 2025, entering into force on 19 March 2026. These changes remove regulatory contactless limits and introduce a new risk based exemption to give payment service providers and banks greater flexibility to set their own limit for contactless payments. Changes are also made to the FCA's Approach document which are set out in the appendix of the notice.

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