FCA Launches Targeted Support Regime From April 6, 2026
A new class of financial advice goes live in the UK — lighter than full advice, heavier than guidance.
What Changed
From April 6, 2026, the FCA's targeted support regime introduces a new regulated activity under FSMA. Firms can now provide financial support designed for specific consumer groups without complying with all rules for fully personalized investment recommendations. This creates a middle ground between mere information and full-blown tailored advice, allowing firms to serve consumers who need more than guidance but cannot afford or access full advisory services.
Who It Affects
Wealth management firms, robo-advisors, digital investment platforms, banks offering investment products, and any FCA-regulated firm that wants to serve retail investors with lighter-touch support. Firms must still conduct proportionate suitability assessments.
What to Do
Assess whether targeted support opens new service lines for your business. Review the FCA's finalized rules and guidance to understand the boundary between targeted support and full investment advice. Ensure your identity verification and customer classification processes can distinguish between support-eligible and advice-eligible clients.
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