{"id":1617,"date":"2025-07-30T13:49:27","date_gmt":"2025-07-30T13:49:27","guid":{"rendered":"https:\/\/iqeq.com\/gb\/insights\/fca-proposes-smcr-reform-to-ease-burden-on-solo-regulated-firms\/"},"modified":"2025-08-07T08:30:51","modified_gmt":"2025-08-07T08:30:51","slug":"fca-proposes-smcr-reform-to-ease-burden-on-solo-regulated-firms","status":"publish","type":"post","link":"https:\/\/iqeq.com\/gb\/insights\/fca-proposes-smcr-reform-to-ease-burden-on-solo-regulated-firms\/","title":{"rendered":"FCA proposes SM&amp;CR reform to ease burden on solo-regulated firms\u202f\u00a0"},"content":{"rendered":"<section class=\"text-block standard-spacing  \">    <div class=\"container fade-in\">\n        <p><i><span data-contrast=\"auto\">By \u00c9ilis Corcoran, Senior Compliance Consultant<\/span><\/i><i><span data-contrast=\"auto\">\u202f<\/span><\/i><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">On 15 July 2025, the UK\u2019s Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA) jointly <\/span><\/b><a href=\"https:\/\/www.fca.org.uk\/publications\/consultation-papers\/cp25-21-senior-managers-certification-regime-review\"><b><span data-contrast=\"none\">published<\/span><\/b><\/a><b><span data-contrast=\"auto\"> a consultation paper (CP25\/21) outlining proposed changes to the Senior Managers and Certification Regime (SM&amp;CR). These reforms represent Phase 1 of a wider review, aimed at streamlining regulatory requirements while maintaining core standards of individual accountability and conduct.<\/span><\/b><b><span data-contrast=\"auto\">\u202f<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The SM&amp;CR has been in place for solo-regulated firms since 2019, and while its overarching aims remain supported by the industry, the FCA acknowledges that certain elements have become overly complex, duplicative or burdensome \u2013 particularly for smaller firms.<\/span><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2>What is the FCA looking to change?<\/h2>\n<p><span data-contrast=\"auto\">The FCA is aiming to make the SM&amp;CR framework more proportionate and less resource-intensive, particularly for solo-regulated firms <\/span><a href=\"https:\/\/www.fca.org.uk\/firms\/senior-managers-certification-regime\/categorisation-solo-regulated-firms\"><span data-contrast=\"none\">categorised<\/span><\/a><span data-contrast=\"auto\"> as \u2018Core\u2019, who often face disproportionate administrative demands.\u202f<\/span><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">For Core firms, the key proposals include:\u202f<\/span><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-contrast=\"auto\">Simplifying the approval process for Senior Manager appointments to reduce delays and administrative overheads<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Extending timeframes for updating the Statements of Responsibilities (SoRs) following internal changes<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Reducing duplication in certification roles, particularly where responsibilities overlap<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Providing clearer guidance on how the Conduct Rules apply to different categories of staff<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Allowing more flexibility in updating Directory Persons&#8217; information and managing regulatory references<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Issuing updated guidance and templates to help firms interpret regulatory expectations more consistently. This may include a revised SoR and clearer role definitions<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Collectively, these changes are intended to help firms reduce time spent on form-filling and process management, allowing more focus on effective oversight and culture.\u202f<\/span><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">These proposals are primarily focused on Core and Limited Scope firms, where the compliance burden is often felt most acutely. Firms subject to the Enhanced regime are unlikely to see material changes at this stage, although further reforms may be considered as part of Phase 2.\u202f<\/span><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2>What does this mean for regulated firms?<\/h2>\n<p><span data-contrast=\"auto\">While the foundations of SM&amp;CR are not being dismantled, the proposals reflect a shift towards greater proportionality and clarity. For many firms, this should translate into reduced friction in areas such as role mapping, regulatory reporting, and onboarding of senior staff.<\/span><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Firms subject to the Enhanced regime may particularly welcome the potential narrowing of its scope, given the additional compliance and governance obligations that apply under this categorisation.<\/span><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">These reforms are likely to provide welcome relief to compliance and HR teams alike, as they look to balance effective oversight with practical implementation.<\/span><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2>When will the changes take effect?<\/h2>\n<p><span data-contrast=\"auto\">The <\/span><b><span data-contrast=\"auto\">consultation remains open until 7 October 2025<\/span><\/b><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\"> with a policy statement expected in mid-2026. While the changes are not yet final, the direction of travel is clear: a more agile and less burdensome approach to SM&amp;CR.<\/span><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The government has also signaled that a second phase of reform may follow, potentially involving legislative amendments that could simplify the regime further. This may include removing the certification requirement entirely or reducing the number of roles subject to pre-approval.<\/span><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2>What should firms be doing now?<\/h2>\n<p><span data-contrast=\"auto\">Firms should review the proposed changes and begin assessing how their governance and compliance frameworks might be impacted. Particular focus should be given to Senior Manager mapping, SoR update processes, and certification tracking.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In addition, firms wishing to respond to the consultation should begin preparing their input ahead of the October deadline.<\/span><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2>How we can help<\/h2>\n<p><span data-contrast=\"auto\">At IQ-EQ, we work with a wide range of regulated firms to support implementation and optimisation of their SM&amp;CR frameworks. Whether your firm is seeking help interpreting the proposed changes, reviewing existing SoRs and certification processes, or assessing proportionality under the enhanced regime, our regulatory experts can provide targeted support.<\/span><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Our team can also assist with preparing consultation responses and engaging with regulators where required.<\/span><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">To discuss the SM&amp;CR consultation in more detail or find out how IQ-EQ can support your firm, please contact our <\/span><a href=\"https:\/\/iqeq.com\/gb\/services\/compliance-consulting-uk\/\"><span data-contrast=\"none\">Compliance Consulting<\/span><\/a><span data-contrast=\"auto\"> team.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":51,"featured_media":1618,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[1],"tags":[],"expertise":[16],"service_category":[],"class_list":["post-1617","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FCA proposes SM&amp;CR reform to ease burden on solo-regulated firms\u202f\u00a0 | 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\" href=\"https:\/\/iqeq.com\/gb\/insights\/fca-proposes-smcr-reform-to-ease-burden-on-solo-regulated-firms\/\" \/>\n<meta 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