{"id":1349,"date":"2025-02-18T15:40:59","date_gmt":"2025-02-18T15:40:59","guid":{"rendered":"https:\/\/iqeq.com\/gb\/insights\/fca-writes-to-wholesale-brokers-regarding-areas-of-concern-and-updated-supervision-strategy\/"},"modified":"2025-02-24T09:03:15","modified_gmt":"2025-02-24T09:03:15","slug":"fca-writes-to-wholesale-brokers-regarding-areas-of-concern-and-updated-supervision-strategy","status":"publish","type":"post","link":"https:\/\/iqeq.com\/gb\/insights\/fca-writes-to-wholesale-brokers-regarding-areas-of-concern-and-updated-supervision-strategy\/","title":{"rendered":"FCA writes to wholesale brokers regarding areas of concern and updated supervision strategy"},"content":{"rendered":"
\n

By Steffen Burgess, Compliance Consultant<\/span><\/i>\u00a0<\/span><\/p>\n

The UK Financial Conduct Authority (FCA)\u2019s most recent Dear CEO letter<\/a> has outlined some areas of continuing concern from the previous two years of supervision of the wholesale brokerage sector, in addition to the new supervisory strategy aimed at wholesale brokers and their key areas for concern.\u00a0\u00a0\u00a0<\/strong><\/p>\n

Findings from the FCA\u2019s previous supervisory cycle<\/h2>\n

Prudential risk management<\/h3>\n

The FCA has noted significant progress in clearing firms’ liquidity risk management frameworks (LRMFs) and financial resilience following previous observations of deficiency in liquidity risk management and stress testing.\u00a0<\/span>\u00a0<\/span><\/p>\n

Despite improvements, deficiencies remain, and cases of weak risk management leading to liquidity risks were noted.\u00a0<\/span>\u00a0<\/span><\/p>\n

In a bid promote effective prudential risk management, the FCA plans to publish an observation paper outlining best and worst practices identified during its review, which firms are expected to analyse and apply in their own contexts to enhance their LRMFs.\u00a0<\/span>\u00a0<\/span><\/p>\n

The FCA has pledged to continue its proactive oversight of prudential risk management, ensuring firms effectively manage their financial stability to prevent future market disruptions.<\/span>\u00a0<\/span><\/p>\n

Financial crime<\/h3>\n

The inherent risk of wholesale brokers being used facilitate financial crime continues to be a focal point of concern at the FCA.\u00a0<\/span>\u00a0<\/span><\/p>\n

The FCA\u2019s Money Laundering Through the Market (MLTM) multi-firm assessment was said to reveal mixed results\u2014while improvements were noted in risk assessment processes including governance, oversight frameworks and trade surveillance and monitoring collaboration, so too were deficiencies in business-wide risk assessments, failures in client risk-rating methodologies, and inappropriate reliance on third-party due diligence in the transaction chain.\u00a0<\/span>\u00a0<\/span><\/p>\n

Firms are expected to read the publication in full and ensure its recommendations are implemented.<\/span>\u00a0<\/span><\/p>\n

Additionally, the FCA has highlighted the link between weak anti-money laundering (AML) controls and market abuse, urging firms to review recent FCA Market Watch publications that stressed concerns around personal account dealing and <\/span>market abuse surveillance<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n

Remuneration and broker misconduct<\/h3>\n

The FCA raised concerns over the inconsistent application of the <\/span>MIFIDPRU Remuneration Code<\/span><\/a> across wholesale brokers and stressed the importance of remuneration as a tool to prevent broker misconduct.\u00a0<\/span>\u00a0<\/span><\/p>\n

They have demanded immediate remediation from non-compliant firms and outlined their intent to utilise regulatory reporting data such as the MIF008 returns to flag instances of poor or non-compliant remuneration practices.<\/span>\u00a0<\/span><\/p>\n

The FCA has signalled plans to assess whether firms use remuneration as a disciplinary tool to address broker misconduct, including non-financial misconduct.\u00a0<\/span>\u00a0<\/span><\/p>\n

FCA\u2019s <\/span>two-year<\/span> strategy<\/span><\/span>\u00a0<\/span><\/h2>\n

The FCA <\/span>h<\/span>as <\/span>detailed <\/span><\/span>four key areas<\/span><\/span> they\u2019ve<\/span> determined<\/span> as<\/span> strategically important<\/span> over the next two years to ensure the <\/span>effective regulation <\/span>and risk management <\/span>of the sector:<\/span><\/span>\u00a0<\/span><\/p>\n <\/div>\n<\/section>\n\n

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1. Broker conduct<\/p>\n

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The risk of broker misconduct due to inadequate oversight of brokers is a key theme throughout the letter.\u00a0 The FCA notes the substantial influence that brokers can have on the performance of the firm, with direct access to clients and knowledge of market dynamics as key factors presenting risk for misconduct.\u00a0<\/span>\u00a0<\/span><\/p>\n

Market abuse, including conflicts of interest, insider trading and \u201cflying and printing\u201d were highlighted as key risks arising from the poor management of brokers, as well as failure to properly discipline broker misconduct, provide best execution results to clients, and other non-financial misconduct.\u00a0<\/span>\u00a0<\/span><\/p>\n

Material weaknesses in the governing frameworks managing broker conduct, such as ineffective controls, lack of oversight, or unsuitable or lax disciplinary actions, will put firms \u2013 and individuals within them \u2013 at risk of enforcement or restrictive action.\u00a0<\/span>\u00a0<\/span><\/p>\n <\/div>\n <\/div>\n <\/div>\n

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2. Culture<\/p>\n

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The FCA also emphasised the important role of a strong corporate culture and diverse leadership in maintaining good conduct within wholesale broking firms. Variety in the leadership of wholesale brokers was specifically identified by the FCA as means to nurture a culture of effective challenge to management and avoid excessive \u201cgroup think\u201d at management level that risks overlooking key business risks \u2013 particularly broker misconduct.\u00a0<\/span>\u00a0<\/span><\/p>\n

The FCA will use the results of the <\/span>non-financial misconduct (NFM) survey<\/span><\/a> undertaken in 2024, which assessed how firms handled and investigated instances of NFM, to further engage with wholesale broker firms to implement effective controls.\u00a0<\/span>\u00a0<\/span><\/p>\n

The regulator plans to scrutinise firms flagged as \u201coutliers\u201d in the survey, focusing on their policies and procedures for reporting NFM, evidence of encouraging and fostering a \u201cspeak up\u201d culture, their internal management processes for NFM cases and their commitment to fair outcomes.\u00a0<\/span>\u00a0<\/span><\/p>\n <\/div>\n <\/div>\n <\/div>\n

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3. Business oversight<\/p>\n

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Risk and control frameworks will also come under regulatory scrutiny as the FCA pushes <\/span>for <\/span>effective oversight of brokers<\/span>\u2019<\/span> conduc<\/span>t throughout their portfolio<\/span>s<\/span>. As well as the traditional detective and monitoring controls such as trade and communication surveillance, client onboarding, transaction monitoring and trade error\/<\/span>failure<\/span> escalation procedures, the FCA has <\/span>been forthright about their expectation <\/span>for<\/span> firms<\/span> to <\/span>incorporate <\/span>remuneration<\/span> tools such as deferrals<\/span> and<\/span> clawback<\/span> to prevent and punish cases of misconduct. <\/span>This reflects their findings from the <\/span>previous<\/span> supervisory period and the <\/span>objectives<\/span> of the MIFIDPRU Remuneration <\/span>C<\/span>ode as a risk management mechanism.\u00a0<\/span><\/span>\u00a0<\/span><\/p>\n <\/div>\n <\/div>\n <\/div>\n

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4. Financial resilience<\/p>\n

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The FCA continues to focus on prudential risk management in their next two-year strategy with the aim of fostering financial resilience and preventing market disruption due to the disorderly wind-down of firms in the sector.\u00a0\u00a0<\/span>\u00a0<\/span><\/p>\n

Wholesale brokers that were subject to the FCA\u2019s recent liquidity review will receive particular attention and can expect assessment of their contingency funding plans and frameworks, scrutinising their resilience to liquidity risks under stressed scenarios.<\/span>\u00a0<\/span><\/p>\n

Firms with material weaknesses in their financial resilience systems and controls, and those which demonstrate non-compliance with <\/span>the Investment Firms Prudential Regime (IFPR)<\/span><\/a>\u2019s overall financial adequacy rule, will risk having additional capital and liquidity requirements imposed on them.\u00a0<\/span>\u00a0<\/span><\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n

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Actions for CEOs and governing bodies<\/h2>\n

CEOs and governing bodies of wholesale brokers will need to ensure they have discussed the letter and agreed next steps <\/span>before the end of March 2025<\/span><\/b>. It is recommended that firms record board minutes of this meeting and produce a resolution pack approving the action plan.<\/span>\u00a0<\/span><\/p>\n

It\u2019s important to consider these issues now as, typically, following a letter like this, the FCA will follow up with a Section 165 information request to relevant firms in the form of a survey. The FCA will then typically liaise further with some firms on an individual basis, requesting further information or visits where appropriate.<\/span>\u00a0<\/span><\/p>\n

If you\u2019d like to hear how IQ-EQ\u2019s UK regulatory compliance team can assist your firm in adhering to the FCA\u2019s expectations of wholesale broker practices, please get in touch<\/a>.\u00a0<\/strong><\/h4>\n <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":51,"featured_media":1350,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[1],"tags":[],"expertise":[16,17],"service_category":[18],"class_list":["post-1349","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"\nFCA writes to wholesale brokers regarding areas of concern and updated supervision strategy | IQ-EQ UK<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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