Overview
- The regulator proposes replacing rigid disclosure templates to let firms present clearer, jargon‑free information under the Consumer Duty.
- A new route would allow individuals with at least £10 million in assets to opt out of retail protections, with the FCA stressing a high threshold for professional status.
- Plans include more tailored risk warnings and scope to highlight potential returns, alongside curbs on harmful platform gamification such as leaderboards and push alerts.
- The measures are framed as a way to help consumers take informed risks and to expand access to a wider range of investment products for experienced clients.
- The push complements recent government steps that cut the cash ISA allowance and introduced a three‑year stamp duty holiday for shares in new UK listings.