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Data Bulletin Summary (October 2015, Issue 4)

Core Content Overview

This issue of the Data Bulletin provides an update on various channels through which the FCA interacts with stakeholders, including the Contact Centre, the Innovation Hub, Freedom of Information (FoIA) requests, and complaints. It also includes data updates from previous publications, such as financial promotions, attestations, and Skilled Person reports, alongside a detailed update on consumer credit authorisations as of 30 June 2015.

Main Channels of Communication

Innovation Hub

• Launched 9 months ago, the Innovation Hub supports businesses with innovative financial services concepts.
• Offers informal steers to guide firms in regulatory decision-making.
• Has received 277 requests for support, with 52% of firms receiving support.
• 35% of supported firms received informal steers.
• Positive feedback: 83% of respondents rated their experience as good or excellent.
• Plans to enhance the hub with a specialised authorisation process, international engagement, and proactive interaction with incumbents.

Freedom of Information Act Requests

• Received 793 FoIA requests in the last year, with 573 progressing as formal requests.
• The most frequent topics included complaints, mortgages, and investigations (e.g., LIBOR).
• 37% of requesters were consumers, 19% were media, 10% legal, 8% service providers, and 7% MPs.
• 38% of FoIA cases were fully satisfied or provided some information.
• 19% of requesters were from other sources, including regulated firms, trade bodies, and universities.
• Requests exceeding £450 may be refused.

Complaints Against the FCA

• 435 complaints were received between 1 July 2014 and 30 June 2015.
• 67% of complaints were not investigated due to lack of misconduct allegations, exclusion, referral, or being outside the FCA's scope.
• The Complaints Commissioner reviewed 38 formal complaints in 2014/15, with only three overturning FCA findings.

Data Updates from Previous Editions

Financial Promotions

• 749 financial promotions were reviewed between 1 April and 30 June 2015.
• 28 cases resulted in amendments or withdrawals.
• Top sectors: Consumer credit (39%), Investments (36%), Mortgages (11%), Pensions (11%), General insurance (3%).

Attestations

• Attestations are used to ensure firms focus on resolving specific issues.
• Firms are now classified as either 'fixed portfolio' or 'flexible portfolio', replacing the previous C1-C4 categories.
• Data is available by sector and firm classification.

Skilled Person Reports

• Skilled Person reports are used for independent analysis of firms.
• In Q1 2015/16, 14 reports were commissioned, with three directly contracted by the FCA and 11 by authorised firms.
• Reports cover sectors including consumer credit, investments, and others.
• The 'Other' category includes Friendly Societies, CIS trustees, and media firms.

Consumer Credit Authorisations (as of 30 June 2015)

• Total consumer credit firms: 41,937 (excluding appointed representatives).
  • 768 were grandfathered.
  • 16,096 had applied and been authorised.
  • 25,073 had interim permission.
• Applications: 23,960 firms applied (including 7,450 new-to-market and 16,410 in designated periods).
  • 65% of applications were for limited permission.
• Determination outcomes:
  • 94% of applications were approved.
  • 1,060 firms withdrew applications, and 23 were refused.
  • 98 firms that were authorised later cancelled their permission.
• Average processing times:
  • Limited permission: 10 weeks.
  • Variation of permission: 14 weeks.
  • Full permission: 24 weeks.
  • 0.2% of cases (13) breached statutory deadlines.
  • Most cases were resolved efficiently, with firms able to continue trading during the process.

Key Trends and Insights

• The number of FoIA requests has decreased over time, with a notable drop in letters from MPs.
• Consumer credit remains a central focus, with many firms applying as credit brokers.
• The FCA continues to improve its processes, including the Innovation Hub and authorisation timelines.
• The shift from C1-C4 to 'fixed' and 'flexible' portfolio classifications reflects a new sector-based supervisory model.

Useful Links

• Annual Report (2014/15) for more detailed information.
• Website for further details on the Innovation Hub, attestations, and Skilled Person reports.
• Additional data on authorisation processes in Sections 1, 2, and 3 of the bulletin.