RegulationPayment Expert · Sep 7
UK BNPL regulation: what’s changing and why it matters
By Louis Thompsett•September 7, 2026
The brief
BNPL moved into the FCA’s regulatory perimeter on 15 July 2026, bringing affordability checks, Consumer Duty obligations and Financial Ombudsman access to a UK market used by 11 million adults. Deferred payment credit (DPC), the interest-free instalment product known as buy now pay later (BNPL), became a regulated for…
Original report
Payment Expert
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