Prudential requirements—credit institutions and systemically important investment firms

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This Overview provides a guide to the Lexis+® UK Financial Services content within the Prudential requirements—credit institutions and systemically important investment firms subtopic with links to the appropriate materials.

UK prudential regulation of banks, building societies and systemically important investment firms

The UK prudential regime for banks, building societies and systemically important investment firms is derived from the EU regime under the Capital Requirements Directive 2013/36/EU (CRD IV) and

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Financial Services—other developments (16/9/2025)

A round-up of other developments, which have not been covered in full by the LexisNexis Financial Services practical guidance team but may nevertheless be of interest.

European Parliament adopts T+1 settlement cycle for securities transactions

The European Parliament has adopted its first reading position on a proposal to amend Regulation (EU) 909/2014 to shorten the securities settlement cycle from two business days (T+2) to one business day (T+1), with the change set to apply from 11 October 2027. The amendment aims to reduce market risks, improve efficiency and align the EU with global practices. The European Securities and Markets Authority (ESMA) will monitor settlement efficiency during the transition and report more frequently around implementation, while the European Commission may adjust Delegated Regulation (EU) 2017/389 if settlement fails increase. Exemptions include privately negotiated trades executed on trading venues, bilaterally executed trades reported to trading venues, initial book-entry recordings and documented securities financing transactions such as securities lending, buy-sell back or sell-buy back transactions and repurchase agreements.

FCA publishes paper on UK pure protection market

The Financial Conduct Authority (FCA) has published a paper on the UK pure protection market for retail customers. It is one of two papers related to the pure protection market study that the FCA intends to publish in 2025 before an interim report is issued around the end of the year. In the paper, the FCA notes that the market is concentrated, with the top five insurers accounting for around 80% of new business premiums in 2023, while distribution remains fragmented. Although not a formal consultation, the FCA welcomes feedback by 15 October 2025.

The new reserved investor fund—a brief guide

Tax analysis: Legislation setting out the tax rules for a new type of unauthorised fund, the Reserved Investor Fund (Contractual Scheme), known as the RIF, came into force in March 2025. Anne Powell, Knowledge Counsel at Bryan Cave Leighton Paisner LLP, highlights the key tax features of this new fund type and considers its likely use.

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