Prudential requirements for banks and mutual societies

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This Overview is a guide to the Financial Services content within the prudential requirements for banks and mutual societies subtopic, with links to the appropriate materials.

What is prudential regulation?

Prudential regulation relates to requirements for firms to hold certain amounts of capital,

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Latest Financial Services News

EBA publishes guidance ahead of 2025 EU-wide stress test data publication

The European Banking Authority (EBA) has published three technical documents—metadata, a data dictionary, and a guide for data exploitation—to support the automated analysis of its 2025 EU-wide stress test results. The guidance materials were released ahead of the full stress test data publication scheduled for 1 August 2025 at 18:00 CET.

NECC publishes 2024–2025 Annual Report on economic crime activity and system performance

The National Economic Crime Centre (NECC) has published its Annual Report for the 2024–2025 financial year, outlining developments in the UK’s operational response to economic crime. The report highlights a significant increase in system-wide disruptions, asset denial actions and convictions related to fraud and money laundering. Fraud remains the most reported crime in England and Wales, accounting for 43% of all incidents. The NECC’s approach over the year focused on intelligence-led operations, cross-sector collaboration and the use of data and technology to address evolving threats. The report also marks the 10th anniversary of the NECC’s public-private partnership model and notes a leadership transition, with Rachael Herbert succeeding Adrian Searle as Director in April 2025.

European reinsurer fined £1.79m over post-brexit failings

Law360, London: The Bank of England's regulatory arm said on 28 July 2025 that it has fined the London branch of a Luxembourg-based reinsurer £1.79m for failing to have adequate controls in place during Britain's exit from the EU.

PRA consults on UK CRR definitions transfer into Rulebook Glossary to support FSMA model

The Prudential Regulation Authority (PRA) has published Consultation Paper CP19/25, proposing to transfer definitions from the UK Capital Requirements Regulation (Assimilated Regulation (EU) 575/2013) (UK CRR) into the PRA Rulebook Glossary. This follows HM Treasury’s plan to revoke remaining UK CRR provisions and supports the UK’s transition to the Financial Services and Markets Act (FSMA) model. The initiative is intended to maintain regulatory continuity while improving clarity and accessibility. Responses are sought by 30 October 2025, with implementation expected on 1 January 2027, alongside the Basel 3.1 package.

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