# BNPLs will come under the the Financial Conduct Authority's regulation from July 15.

*fintech · news · 2026-02-11 · MarketScreener*

## Key points

- The Financial Conduct Authority will begin regulating BNPL products in the UK from July 15, 2026.
- BNPL firms must be FCA-authorised and follow Consumer Duty, ensuring clearer information and consumer-centered practices.
- Consumers will gain access to the Financial Ombudsman Service for BNPL-related complaints after regulation begins.
- Lenders are now required to conduct proportionate affordability checks before offering BNPL products to consumers.
- BNPL firms must provide support to customers in financial difficulty and direct them to free debt advice.

**Companies:** Clearpay, Klarna
**Countries:** UK

[Read the full story on MarketScreener](https://www.marketscreener.com/news/uk-fca-wants-buy-now-pay-later-sector-to-thrive-amid-new-regulations-ce7e5adcd08df027)

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