All the latest insight and commentary from James Daley and the Fairer Finance team.

Blog

What the FCA's Consumer Duty means

7 December 2021

What the FCA's Consumer Duty means

James Daley

The FCA has confirmed plans to launch a new Consumer Duty - forcing firms to deliver good outcomes for their customers. Here's what it means for financial services firms, and how to prove you're meeting the new requirements

Blog

Shared bank branches unlikely to be the answer to most community's cash needs

8 October 2021

Shared bank branches unlikely to be the answer to most community's cash needs

James Daley

The recent Community Access to Cash pilots have showed the potential of shared bank branches. But they are expensive, and are unlikely to appear on most UK high streets, in spite of their popularity

Blog

Time to put the brakes on personalised insurance pricing

1 October 2021

Time to put the brakes on personalised insurance pricing

James Daley

A new report lays bare the problem of the "poverty premium" in insurance - and points to similar penalties for minorities across the sector. It's time for some boundaries to be drawn in how insurers calculate prices

Blog

Banning commission is a step too far

13 July 2021

Banning commission is a step too far

James Daley

The FCA's decision to ban commission in the funeral plan market will reduce competition and hand an advantage to inferior over 50s plans.

Blog

Helping insurers evidence fair value

6 July 2021

Helping insurers evidence fair value

James Daley

Insurers will soon need to evidence that they are offering fair value every year. We've created a framework to help firms ensure it's more than just a box-ticking exercise.

Blog

Exploring Gender Neutrality in Insurance

21 May 2021

Exploring Gender Neutrality in Insurance

Helen Edwards

In the week that social media giant Instagram encouraged users to include their preferred pronouns in their bio, and the world celebrated International Day Against Homophobia, Transphobia and Biphobia, our Research team has been taking a look at gender recognition in the insurance industry.

Blog

What does fair value mean in insurance?

19 April 2021

What does fair value mean in insurance?

James Daley

The FCA wants insurers to prove that they are offering their customers' fair value. We want to help the industry define what fair value really means.

Blog

FCA prepares to clean up the funeral plan market

4 March 2021

FCA prepares to clean up the funeral plan market

James Daley

New regulations have finally been drawn up for the funeral plan market, and they can't come soon enough

Blog

Will the FCA push ahead with its dual pricing ban?

22 February 2021

Will the FCA push ahead with its dual pricing ban?

James Daley

The FCA's new leadership has already scrapped plans for interventions in the savings and investment markets. Will it push ahead with its bold plans in the insurance market?

Blog

Which new brands will appear in Fairer Finance's Spring 2021 customer experience ratings?

22 February 2021

Which new brands will appear in Fairer Finance's Spring 2021 customer experience ratings?

James Daley

Our new ratings will be published next month. Find out which new brands will be appearing and which ones will be dropping out.