# Buy Now Pay Later (BNPL) borrowers will benefit from stronger protections from 15 July 2026.

*fintech · news · 2026-02-10 · Financial Conduct Authority*

## Key points

- Buy Now Pay Later will be regulated by the FCA starting 15 July 2026.
- Lenders must conduct affordability checks before offering Buy Now Pay Later credit.
- Consumers will gain the right to complain to the Financial Ombudsman Service for BNPL issues.
- Suppliers providing their own credit ('merchant own credit') will remain exempt from this regulation.
- BNPL firms can register for a temporary permissions regime between 15 May and 1 July 2026.

**Countries:** United Kingdom

[Read the full story on Financial Conduct Authority](https://www.fca.org.uk/news/press-releases/new-protections-confirmed-buy-now-pay-later-borrowers)

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