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HM Treasury has published a consultation to seek views on the government’s proposals to make changes to the legislative framework for Appointed Representatives (ARs).
The Appointed Representatives regime plays an important part in the supply of financial services and provides substantial benefits to consumers and businesses. It can help enhance the customer experience by enabling a range of non-financial businesses to offer complementary financial services alongside their core products.
As explained in a policy statement published in August 2025, there is concern that poor oversight of some Appointed Representatives is putting some consumers at risk. The government intends to address this concern and wants to see benefits provided by Appointed Representatives continue well into the future.
In line with the commitment made in the August policy statement, this consultation seeks views on the changes the government proposes to make to the legislative framework for Appointed Representatives.
To find out more, please email: [email protected]
