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The Fairer Finance podcast

Fairer Finance
FCA
Financial Services
Financial Conduct Authority
Consumer Protection
Insurance
Consumer Duty
Pensions
Financial Inclusion
Banking
Financial Ombudsman Service
Cryptocurrency
Contracts For Difference
FCA Insurance Market
Digital Markets Competition and Consumers Act
Which?
Travel Insurance
Consumer Financial Services
General Insurance Market
Premium Finance Market Study
Pet Insurance

A topical show looking at news, policy and regulatory developments in the UK financial services industry. Hosted by Eve McGrady, alongside Fairer Finance's Managing Director James Daley and Director Tim Hogg.

PublishesTwice monthlyEpisodes45Founded2 years ago
Number of ListenersCategories
InvestingBusinessBusiness NewsNews

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Latest Episodes

In this week's episode, we discuss the FCA's latest plans to look at the regulation of AI in financial services. In a speech in October, the regulator said it would be taking forward six of the seven Mills review proposals. We discuss what that could... more

In this week's episode, we start with a look at the latest Fairer Finance Trust in Insurance index. While trust has continued to rise in all sectors - there's big differences in how those on lower and higher incomes feel. And while claims satisfactio... more

In this week's episode, we dive into the detail of the FCA's pure protection market study, which was published on 21 September 2026. It's a disappointing end to a major piece of work - as the FCA decides not to address many of the market's failure, a... more

We're back from summer holidays - and in our first episode, we're turning our attention to a busy week in the House of Lords. In the first half of the show, we're discussing the Report Stage of the Financial Services & Markets Bill - and the latest d... more

This week, chair of the Financial Services Consumer Panel and former Labour MP Chris Pond joins us to talk about what an Andy Burnham government might mean for financial services policy.

We also discuss the Treasury Select Committee's report into th... more

in this special edition of the Fairer Finance podcast, we welcome FCA executive director Sheldon Mills to the show.

We recorded the show on 9 July 2026 - Sheldon's last day at the FCA after 8 years.

In a wide ranging interview, we talk in detail ab... more

In this week's episode, former FCA chair Charles Randell joins us as guest host. In the first half of the show, we discuss the FCA's recent consultation into consumer investment disclosures.

While in the second half, we move onto discuss the FCA's r... more

In this week's episode, consumer advocacy legend Mick McAteer stands in for Tim Hogg. We start with a discussion about changes to the Isa rules - including the new 22% tax charge on cash holdings in stocks and shares Isas.

In the second half of the ... more

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Recent Guests

Nikhil Rathi
Chief Executive of the Financial Conduct Authority
Financial Conduct Authority
Episode: The Fairer Finance Interview: Nikhil Rathi, CEO of the Financial Conduct Authority

Hosts

Eve McGrady
Host of the show; senior media and consumer finance expert with Fairer Finance.
James Daley
Managing Director at Fairer Finance; longstanding commentator on finance policy and consumer protection.
Tim Hogg
Director at Fairer Finance; policy-focused commentator on regulation and consumer outcomes.

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Talking Points

Recent interactions between the hosts and their guests.

Regulating AI in financial services/Are responsible lending rules working?/Is the Chancellor about to tax the banks?
Q: So what's the argument this report is wading into?
James says the report argues that responsible-lending rules have not prevented widespread unaffordable borrowing. It challenges the idea that credit scarcity is the main problem for low- and middle-income households, pointing instead to borrowers being offered more credit despite financial hardship.
Regulating AI in financial services/Are responsible lending rules working?/Is the Chancellor about to tax the banks?
Q: What have we actually seen in the market so far, which is tangibly changing outcomes for consumers?
James says consumer-facing tools remain mostly enhanced chatbots and assistants from firms such as Starling, Revolut and Lloyds. Regulatory uncertainty and the risks of harmful recommendations have limited firms' willingness to deploy more consequential AI.
The role of housing wealth in funding retirement/FCA & Treasury news round up: mortgage and insurance rule reform plus latest consumer credit act update
Q: Could you explain a bit about some of the other options available to people in later life lending?
Options include standard residential mortgages, interest-only options, and equity release, along with suggestions for innovative products.
The role of housing wealth in funding retirement/FCA & Treasury news round up: mortgage and insurance rule reform plus latest consumer credit act update
Q: How many people could benefit from accessing their housing wealth?
About half of households might need to use their housing wealth at some point between the ages of 60 and 100.

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Frequently Asked Questions About The Fairer Finance podcast

What is The Fairer Finance podcast about and what kind of topics does it cover?

The show offers sharp analysis of UK financial services policy, regulation, and market developments, with a steady focus on how rules, consumer protection, and industry incentives affect everyday finance. Across episodes, listeners get practical commentary on FCA rules, pensions and retirement planning, open banking, credit information reforms, motor finance, and other regulatory shifts, often paired with references to industry responses, consumer impact, and real-world case studies. The hosts—three seasoned UK financial services observers—ground discussions in current policy proposals, parliamentary inquiries, and regulator actions, making it a go-to for professionals who need to understand how regulatory changes translate into market beha... more

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Which podcasts are similar to The Fairer Finance podcast?

These podcasts share a similar audience with The Fairer Finance podcast:

1. Inside Briefing with the Institute for Government
2. Political Thinking with Nick Robinson
3. The Rest Is Politics
4. Political Currency
5. The News Agents

How many episodes of The Fairer Finance podcast are there?

The Fairer Finance podcast launched 2 years ago and published 45 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on The Fairer Finance podcast?

Recent guests on The Fairer Finance podcast include:

1. Nikhil Rathi

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