Knowledge Base

The financial services industry has undergone a significant transformation with the introduction of the Consumer Duty. This regulation, enforced by the Financial Conduct Authority (FCA), came into effect in July 2023 and places a paramount focus on protecting consumer interests and ensuring that firms deliver consistently excellent outcomes. At the heart of the Consumer Duty are four core principles: acting in good faith, avoiding foreseeable harm, being open and transparent, and delivering fair value. These principles demand a fundamental shift in how financial firms operate, prioritising customer needs and well-being above all else. In this article, we will delve into the key aspects of the Consumer Duty, exploring its impact on both consumers and financial firms. We will also discuss how XTB is actively working to comply with this landmark regulation, ensuring that our clients benefit from enhanced protection, transparency, and fair value.

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