# The sector will come under the Financial Conduct Authority’s regulation from July 15 2026.

*fintech · news · 2026-02-11 · Evening Standard*

## Key points

- Buy now pay later firms will come under FCA regulation starting July 15, 2026.
- BNPL lenders must undergo FCA authorisation and will be subject to the Consumer Duty.
- Proportionate affordability checks and clearer upfront information will be mandatory for BNPL users.
- Consumers will gain the right to complain to the Financial Ombudsman Service if issues arise.
- BNPL firms can register for temporary permissions between May 15 and July 1, 2026.

**Companies:** StepChange Debt Charity, Clearpay, Klarna, thinkmoney
**Countries:** United Kingdom

[Read the full story on Evening Standard](https://www.standard.co.uk/business/money/fca-people-city-parliament-citizens-advice-b1270490.html)

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