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SMCR & Governance

PRA updates on accountability

26/07/2021
Avatar Emma Radmore

PRA has updated its web resources on strengthening accountability in banks and insurers. It has highlighted its paper on working together to drive change in diversity and inclusion and on its updates for remuneration – with new templates following the changes to identification of MRTs.

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Emma Radmore

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transfer DCO DC schemes DDQ de-risking DEA dealing commission Dear CEO Dear Chair Dear RemCo Chair Dear RemCo head debate debentures debit cards debitcards debt Debt Administrators debt advice debt collection debt letters debt management debt packager firms Debt Purchasers Decision Notice declaration declarations deeds deemed equivalence default default assumptions default notices defence deferra; deferral deferred payment defined benefit defined benefit pension schemes Defualt Notices delayed delayed payment services delays delegated regulation Delegation demands and needs dematieralisation deposit deposit-taking deposit aggregator depositary Deposit Guarantee Schemes Directive depositor protection deposit protection Deposits deposit takers DEPP derisking derivative derivatives derivatives clearing obligation derivatives trading derivatives trading obligation designated persons designated professional body desrisking destruction of documents DFSA DGS DGSD digital digital advertising 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employment EMRs enforceability Enforcement engagement enhanced enhanced analystics ENISA environmental EONIA EOS PRIIPs EP EPC EPIF equality equality act equity finance equity raising equity release equivalance equivalence equivalence decisions equivalent ESA ESAs ESCB ESEF ESG ESG disclosure ESG factors ESG rating providers ESG risks ESMA ESRB estate agency EU EU-UK EU AML policy EU banking rules EU Blocking Regulation EU consumer law EU Council EURIBOR Euroclear European Banking Authority European Comission European Commission European Commission roadmap European Communities Act 1972 European Council European Court European Ombudsman European Parliament European Payments Council; European Union European Union (Withdrawal) Act European Union (Withdrawal) Act 2018 European Union (Withdrawal) Bill Europol eurozone EuSEF EuSEF Regulation EuVECA EuVECA Regulation evaluation paper Event events exaggeration exchange tokens exchange traded derivatives exclusion exclusive initiative execution execution-only mortgages executive appointments executive committee executive pensions exempt investment firms exemption exempt professional firm ex gratia payments exit fees exit plan expectations expected credit loss export exposures express trust extended warranty extension external auditors EY facilitation of tax evasion fact find faculative reinsurance failure to disclose failure to prevent failure to report fairness fair treatment fair value false accounts FAMR FAQ FAQs Faster Payments fast growing firms FATF FC FCA FCA; SIPP FCA authority FCA ban FCA Chair FCA consultation FCA evaluation papers fca feedback statement FCA fees FCA Guidance FCA Handbook FCA Insight FCA Letter FCA market watch FCA newsletter FCA Principles FCA proceedings FCA rules FCA rules on travel insurance FCA speech FCA undertaking FCDO FCG FCO FDATA Federal Reserve Bank fee feedback statement fees fees and levies fees cap FEMR FG FIA FID fiduciary duty fiduciary management fiduciary management services 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accounts frustration FS Act FSAP FSB FS Bill FSCB FSCP FSCS FSMA FSRIF FSSC FTA FTE FTP FUNDamental Fundamental Rule Fundamental Rules FUNDamentals fund distribution funding fund managers fund reporting funds funds transfer Funds Transfer Regulation fund suspension funeral plan funeral plan contracts funeral plans furlough Future Future Fund future of financial services future of regulation future skills futures trading fx G-SIIs G7 G20 Gabr Gabriel GAM gambling Gambling Commission GAP insurance GAR GATT GDPR gender diversity gender stereotyping general good general insurance general insurance pricing general insurance pricing practices general insurance value measures general insurance value measures reporting geofinance GFIN Gibraltar gifts GI pricing global financila markets global human rights Gloster gold-plating Goldman Sachs gone-aways Goods Mortgages Goods Mortgages Bill governance governence Government government consultation grandfathering Great Repeal Bill Green Bonds Green Bond Standard green finance Greensill green taxonomy GreenTech greenwashing GRG gross negligence group group-wide policies group policies groups policy GSI GTAG guarantee guarantor guarantor loans Guidance guidance consultation Guidance for Insurance and Premium Finance Firms guidelines Handbook changes Handbook Notice Haque hard Brexit harmonisation harmonised rules HBOS HCST HCSTC head of compliance Head of Legal Henderson HFSB high-cost lending high-cost short-term credit high-risk high-risk jurisdiction high-risk third countries high-risk third country High cost credit High Court higher paid material risk taker high risk high risk investments high risk jurisdictions high value dealers hire purchase HK Insurance Authority HMRC HMT HM Treasury HNWI holding company holistic home home credit home insurance Home Office Hong Kong host host AIFM hot wallet household debt House of Lords House Price Index HSBC IA IAIS IAIS consultation IARs IBA IBIP IBIPs ICAAP ICAEW ICE Clear Europe Limited Iceland ICMA ICO ICOBS ICT ID IDD identification identified staff identity validation IFA IFD IFISA IFPR IFR IFRS IFRS 9 IGCs IHRP ILAAP illegal lending illiequid investments illiquid illiquid investments ILPA ILS imaging IMD IMF immigration impact of covid-19 important business services incentive incentives incident reporting inclusion inclusive finance independent advice independent review index-based insurance India indirect access indirect consent Individual Conduct Rule 2# inducement inducements industry code industry codes industry guidance industry guide iNED influencers information requirements information security information sharing information sheet information sheets injunction Innovate innovation Innovation Hub Inquiry inside information insider insider dealing insider trading insistent client insolvency insolvency arrangements Insolvency Service instalment instalment loans Instant payments insurance insurance and premium finance insurance broker insurance business transfer insurance claims insurance core principles insurance distribution Insurance Europe insurance holding company insurance intermediary Insurance Linked Securities insurance mediation insurance pricing insurance product value insurance renewals insurance services Insurance Special Purpose Vehicles insurance stress test Insurance Supervision Act insurance undertakings insurance value reporting insurer insurers Insuretech insurtech integrity interbank payment interbank payments INTERCHANGE FEE Interchange Fee Regulation interchange fees interest-only mortgages Interest rate interest rate benchmarks Interest rates interest rate swaps intergenerational intergenerational difference intergenerational differences Interim General Counsel interim report intermediation internal model international banks international firms intervention intra-group introducer introducers investigation investment investment-based crowdfunding investment advice Investment Association Investment banking 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persons legal privilege legal status legislation legitimate interests LEI lending Lending Code Letter-box letting agency letting agent letting agents leverage leverage ratio levies levy LGD liaison panels LIBOR LIBOR roadmap LIBOR transition licence licences Liechtenstein lifeboating life insurance lifetime mortgages LIIBA limited network limited partnership LINK linked services liquidate liquidity liquidity mismatch liquidity risk management listed companies listing regime listing rules Lloyd's Lloyd's Brussels Lloyd's of London Lloyd's syndicate Lloyd's Wordings Lloyds Lloyds Bank LMA LME LME Clear Limited LMG loan-based crowdfunding loan origination loans loans to lenders lockdown LoD log-book loan log book loans logical data model London Capital London Capital & Finance London Capital and Finance London insurance market London Market London Stock Exchange long long-term absence long term assets low carbon economy loyalty loyalty penalty LPA LPFP LSB LTAF LTI machine learning Macris Mali management and supervision management body management expenses levy Management Levy Management Responsibility Maps managing agents manipulation Mansion House manufacturer manufacturers mapping MAPS MAR maritime Mark Carney market-making Market Abuse market abuse surveillance market conduct market infrastructures marketing marketing communications marketing text market intervention market investigation market manipulation market observation Market Observations market operators market remedies MARKET REVIEW market risk scenarios markets market share test market soundings market study market turning event Market Watch MAR review Martin Wheatley MAS Mastercard matching adjustment material outsourcing material risk taker MCD MCOB MCOBs MDP MELL mental health MEP Merchants Merricks methodology mfn MI MiFID MiFID 2 MiFID II MIFIDPRU MiFID transaction reporting MIFIR mini-bond mini-bonds minibonds mis-selling misconduct misleading misleading impressions misleading statement misreporting misrepresentation misselling Missing Persons Bill mission mitigation ML MLAC MLAR MLD MLD4 MLD5 MLD6 MLR MLR 2007 MLRO MLRs MMF MMR mobile mobile banking mobile payments mobile phone insurance model portfolio modern slavery modification MoJ money Money and Pensions Service money laundering Money Laundering Regulations Money Laundering Regulations 2007 Money Laundering Regulations 2017 money lender Money Market Fund Regulation Money market funds Money Markets monitoring Monzo Moody's MOP moratoria moratorium mortgage mortgage advice mortgage advice and selling mortgage arrears Mortgage Credit Directive mortgage holiday mortgage intermediaries mortgage market review mortgage prisoner mortgageprisoners mortgage prisoners mortgage risk weights mortgages mortgage shortfall mortgage third party administrators most representative services motor motor finance motor insurance MoU MRC MREL MRT MSB MTF MTFs multilateral trading facility multiple occupation insurance mutual evaluation mutuals Mutual Societies NAO national risk assessment national specific templates nationwide Nat West NatWest NBFI NCA NCCT NCCTs NED NEDs needs negotiations network net zero new appointments new bank new banks new payments architecture new rules next generation standard NFC NFRD NFTs NGFS Nicaragua nickel trading No-deal Brexit No Claims Bonus Protection no deal non-advised non-bank lender non-cash incentive non-complex non-cooperative non-damage non-EEA branch non-financial counterparties non-financial misconduct non-performing loan non-performing loans non-regulated activities non-resident non-systemic bank non-UK assets Norges Bank Northern Rock North Korea Norway notification notifications novation NPA NPL NPPR NPSO NRA NTDS NURS OBIE occasional paper occupational pensions OCIR policy OECD OEICs OFAC offences Official Journal of the European Union OFR OFSI OFT OJEU Ombudsman News ombudsman scheme Ombusdman News onboarding online online advertising Online Safety Online Safety Bill online scams online trading platform onshoring OPBAS open-ended fund open-ended funds open access open access requests open and honest open banking Open Banking Implementation Entity open ended property funds open finance open letter open market openness operational continuity operational resilience operational risk Opinion opinions organised trading facilities ORSA OSFI OTC OTC derivatives OTF OTFs oustsourcing outage outcome reporting outcomes outcomes focused outrwards reinsurance outsourcing overdraft overdraft pricing Overdrafts overlap rule overseas entities overseas entities register overseas entity overseas firms overseas fund overseas funds overseas funds regime overseas regulators overseas territories oversight Over the Counter Derivatives own funds p2p packaged bank accounts PAD PA dealing Pakistan paper Paris Agreement Parliament partly-contested partnership agreement Part VII Part VII transfer passport passporting patient capital pawnbroking Pay.UK payday lending PAYG payment account Payment Accounts payment deferral payment deferrals payment fraud payment freeze payment holiday payment institutions payment moratoria Payments payments authority payment service payment service providers Payment Services Payment Services Regulations Payment services regulator Payments Landscape Review payments messaging payment solutions payments standards payments strategy payment supervision payment systems payment systems operator Payment Systems Regulator payment threats Payment Transparency PBA PCA PCP PCW PDMR PDS2 PDU PECR peer-to-peer peer-to-peer lending peer review PEMC PEMS penalties penalty pension pension liberation pension redress pensions pensions-to-cash pension scams pension scheme Pension Schemes Bill Pensions Dashboard pensions dashoard pensions guidance Pensions Regulator pensions transfer pension transfer pension trustees pension wise PEP PEPP PEPs performance performance fee performance fees performance scenario PERG Perimeter permission permissions permitted links persistent debt personal injury personal insurance personal lines personal lnes personal loans personal pension personal pensions personal recommendation Petrofac PFLP PFOF Phase 2 Philip Hammond phishing phoenixing PI PIFMA PII PII limit Pillar 2 Pillar 2A Pillar 3 pilot PIMFA PISP plain English plan and budget platform platforms platforms market study Plevin POCA POG Policing and Crime Act policy development Policyholder policy statement policy wording political agreement polling pooled client accounts pooling portfolio portfolio management portfolio strategy portfolio supervision portfolio value position limits position reports post post-trade post-trading postiion management power and procedures PPI PPI breaches PPI complaints PPI deadline PRA PRA buffer PRA fees PRA policy statement PRA Principle 4 PRA Rulebook PRA statement on dividend payments PRC pre-contract disclosure pre-contractual information disclosure pre-existing medical condition pre-marketing pre-paid card pre-paid cards pre-trade transparency predicate offence preference shares preliminary ruling premium finance prepaid cards prescribed responsibilities prescribed responsibility presence of Covid Presidency pressure sales price cap price comparison price comparison websites price discrimination price walking pricing pricing practice PRIIPS primary markets primary market services principal Principle 2 Principle 3 principle 5 Principle 6 Principle 7 Principle 11 Principles Principles for Responsible Banking printing printing trades PRIP privact Privacy Privacy Notices Privacy Shield private banking private fund limited partnership Private Motor Insurance private warning privilege problem debt PROD product design Product governance product intervention productive finance product value professional indemnity insurance Professional Investment Firm professional money launderers professional qualifications progress report prohibition order Project Bloom Project Innovate proliferation financing prominence promotions proof of concept property property fund proportionality proportionate proprietary trading prosecution Prospectus prospectus regime prospectus regulation Provident prudential prudential framework prudential regime prudential regulation Prudential Regulation Authority prudential requirements prudent person Prudent Persons Principle PSC PSD PSD2 PSF PSP PSPs PSR PSRs public offer public official push payment push payments Q&As QIS qualifications quantitative study quarterly consultation Queen's Speech Randell RAO RAPR RBA RBS RDC RDC decision making RDR re-location real-time payments real estate finance; covid-19; real estate funds Real Time Gross Settlement reasearch Reasonable Adjustments reasonable excuse reasonable procedures reauthentication receivables recognised industry code Recognised overseas investment exchange recommendation recommendations recording record keeping recovery recovery and resolution recovery plan recovery planning recurring non-disclosure Redcentric redemption redemptions redress redress scheme red tape reducing barriers references referral fees REFIT reflective loss principle reforms refund refunds refusal RegData Register registered social landlord registered social landlords registration Registration of Overseas Entities Registration of Overseas Entities Bill registry Regtech regulated activites regulated activities regulated activity regulated exchange regulated fees and levies regulated lending regulated market regulated markets regulated mortgage regulation Regulation round up regulator Regulatory capital Regulatory Digest regulatory fees and levies regulatory gateway regulatory independence regulatory initiative regulatory initiatives grid regulatory perimeter regulatory references regulatory reporting regulatory returns reinsurance reinsurance intermediary REIT relationship structuring relending Reliance on Others RemCo remediation remedies remedy reminder remittance remittance service providers remote working removal of permission remuneration Remuneration Code remuneration reform renewal renewals renewed sustainable finance strategy rent-to-own Rent Recognition Challenge REP-CRIM repo repo operations Report reporting reporting data reporting format reporting requirements repossessions representation representative example representative examples request to pay research Research Agenda Research Report reserving residency resilience resolution Resolution Assessment resolution planning Resolution Report Resolvability Assessment Framework resource resources respondent banks responses responsibilities map responsibility responsible responsible banking responsible investing responsible lending restricted savings restructuring retail retail advisers retailbanking retail banking Retail Banking Investigation Retail Banking Market Investigation Retail Banking Market Investigation Order 2017 retail banking mixer Retail Banking Order Retail banking review retail banks retail consumer protection retail distribution Retail Distribution Review retail financial services Retail funds retail investment retail investments retail investors retail lending retail market Retail Market Investigation retail payments retail payments strategy retained case law retained EU law Retained provisions retirement income retirement outcomes reverse solicitation reverse stress testing review revised WTR RFPT review RFRS RFR Working Group right of first refusal right to act Ring-Fenced Bodies ring-fencing ring-fencing regime ringfence risk risk-weighting risk appetite risk assessment risk based approach risk based contributions risk factors risk function risk management risk margin risk mitigation risks risk tolerance risk transfer arrangements risk weighted assets RLS RMAR RMC RMs RND roadmap robo advice roboadvice robo advisers Rolls-Royce Romania Rothesay RSR RTGS RTO RTS RTS2 rulebook Rules run-off Russia Russua s7 s75 s165 s166 S166 FSMA s272 s329 Sacntions safeguarding safe remittance corridors sale and rent back SAMLA SAMLP sanctions Sanctions and AML Act Sanctions and AML Bill Sanctions Bill sanctions list Sandbos sandbox Santander SAR SARs satisfaction survey savings savings markets SCA Scalebox scam scammers scams Scamsmart scam smart scenario analysis Scheme of Arrangement Schwab Scotland SCR Screen Scraping Scrutiny Committee SCSI SDN SDR SEAR SEC SECCI second charge lending Section 75 Section 75 claims sector-wide exercise Sector Views secure customer authentication securities Securities and Futures Commission Securities Regulation securitisation Securitisation Regulation Securitisations regulation security security measures Select Committee self-reporting selling restrictions Seminar Senior Managers SEPA Serbia service standards settlement settlement agreement Sevilleja v Marex Financial Ltd SFDR SFO SFTR share classes shareholder distributions Shareholder engagement Shareholders Rights Directive share trading obligation Short-Selling Regulation short selling side pockets SII SIMEX SIMF simplification Simplified Obligations SIMR Singapore Single Financial Guidance Body single market single rulebook SIPP SIPPs skill care and diligence skilled person skilled persons SLAs SLP SLPs SM&CR SM&CR extension smart contracts SMCR SME SME banking SME Finance SME Lending SME Loans SMEs SMF SMF29 SMIR SMR SMR extension social Social Entrepreneurship Funds socially responsible social media solicitor solo-regulated firms solvency Solvency 2 Solvency II Sonali Bank SONIA sophsiticated SOR source of funds spam texts Special Administration Special Resolution Regime Specific Direction speculative speech spot FX Spotlight Review spread bet Spring Budget SPV SRA SRB SREP SRMR SS3/19 sspecific quantitative targets SSR stability stablecoin stablecoins stakeholder notices Staley Standard Chartered standardised term standardised terms Standard Life standards of lending practice standrad-setting body standstill statement of objecctions Statement of Responsibility statutory instruments stockbrokers stockbroking STOR store cards storm storm damage STORs STR strategy Strategy Paper streamlined advice stress stressed markets stress severity stress test stress testing Strong Customer Authentication stronger nudge structural reform structure structured deposits subordinated liabilities subscription payments substainable finance substantiation suitability suitabllity summary box sunlight remedy SUP SUP 16 super-complaint supervision supervisors supervisory cooperation supervisory reporting supervisory statement supervisory strategy supervisory stress test support supreme court surcharges survey suspension suspicion Suspicious Activity Reports Sustainability sustainable finance sustainable investment sustainable lending switch switching Switzerland syber syndicated lending synthetic data synthetic LIBOR SYSC systematic internaliser systemically important systemic risk systems and controls Tabernula TAFA taping target market task force taskforce tax tax advisor tax evasion taxonomy TBTF TC TCF TCFD tech technical advice technical standards technology technology risks TechSprint techUK temporary absence temporary approval temporary high balance temporary measure temporary permissions Temporary Permissions Regime temporary recognition TEMPORARY REGISTRATION temporary rules Temporary transitional power terminology terms of business terms of reference Terrorism Act terrorism financing Terrorist Asset Freezing Act terrorist finance Tesco Bank test case TF Thailand TheCityUK thematic review thematicreview third-countries third-country banks third-country firms third-party relationships third country third country branch third country branches third country firm third country trading venues third party third party providers third party rights threshold conditions thrid-country TI tied agents time limit timeline Tinney tipping off TIPS TISA TLAC token Tokens ToR TPP TPPs TPR TPS trade Trade and Cooperation Agreement trade deal trade execution trade finance trade repositories trade sanctions trading trading acitivity trading firms trading halts trading obligation Trading platforms trading requirement trading venue trading venues trail commission training transaction history breach transaction monitoring transaction reporting transfer transfer of clients transfer of funds transfers transformation transition transitional arrangement Transitional Period transitional powers transitional relief transition period transition planning transparency Transparency International travel travel insurance Treasury Treasury Comittee Treasury Committee Treasury Select Committee treaty reinsurance trends Tribunal TRP TRS trust trust and company service provider trust and company services trust registration Trusts TTP Tunisia TUPE Turkey UAE UCIS UCITS UCITS Directive UCITS managers UK UK Banking sector UK banks UK CRR UK EMIR ukfinance UK Finance UK financial services UK funds UK Jurisdiction Taskforce UKLA UK MiFID UK MiFIR UK property Ukraine UK RTS unaffordable lending unarranged overdraft unauthorised unauthorised broker unauthorised business unauthorised contractual fund unauthorised persons unbreakable deposits unbundling undertaking undertakings Unenforceable Debts UNEP UNEPFI unexplained wealth order unexplained wealth orders Unfair Contract Terms Directive unfair relationship unfair relationships unfair term unfair terms unit-linked funds unit-linked products United Nations United States unreasonable unregulated activities unregulated CIS unregulated introducer unregulated investments unsecured credit unsecured lending unsolicited text unsolicited texts unsuitable Upper Tribunal US USA US sanctions UTCCR UTCCRs UWO validation order valuation value value creation plans value for money value measures value measures reporting value reporting variation VASP VeloCity Venezuela Venture Capital Funds verification virtual asset virtual assets virtual asset service providers virtual currencies virtual currency voluntary jurisdiction VOP voting guidelines voting rights vulmerable vulnerable vulnerable customer vulnerable customers waiver wake up pack warning notice wash trade Wates Principles WBD wealth management webinar wedding insurance wellbeing wet-ink signatures WFE whistleblowing White Paper wholesale wholesale banks wholesale brokers wholesale cash infrastructure wholesale data wholesale insurance wholesale insurance market wholesale markets Wholesale Markets Review Wider Implications Framework wind-down wind-down plan wind down wind down planning Wirecard with-profits Withdrawal WMA Wolfsberg Wolfsberg Group Womble Bond Dickinson Woodford Woodford Equity Income Fund Woolard Work and Pensions Committee Working Group workplace pension workplace pensions work programme workstreams World Bank WTO •