FS26/3: Expanding consumer access to investments: Feedback to DP25/3

The feedback confirms the regulator's focus on helping consumers invest with confidence while maintaining protections. For firms in retail investing, trading platforms, wealth management and fintech, this signals potential future policy changes around product design, disclosure, fractional investments, speculative products and the growing use of AI. Compliance teams should review how their current offerings align with the FCA's investment culture objectives, particularly around consumer understanding of risk and reward.

No immediate rules are imposed, but the direction of travel suggests upcoming consultations or guidance. Firms should assess product governance, risk warnings and AI-driven tools for consistency with Consumer Duty. Action: monitor FCA follow-up, consider whether your product range or advice processes need adjusting, and prepare for greater scrutiny on high-risk and innovative investment models.

Engage with industry bodies if affected.