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BNPL Regulation Changes on the Horizon
Posted on 26 Jun 2026
Retailers offering Buy Now Pay Later (BNPL) or other short-term interest-free credit options should be aware of important regulatory changes taking effect from 15 July 2026. ACT service partner and retail finance specialists V12 explain.
Buy Now, Pay Later - what you need to be aware of
Under new rules, many credit agreements that have previously sat outside Financial Conduct Authority (FCA) regulation will become regulated products, bringing additional consumer protections and oversight.
For retailers, the key priority is to review customer-facing content and finance promotions to ensure references to regulation, consumer protections and product information remain accurate. Any wording that describes these finance products as "unregulated" will need to be removed or updated.
The changes do not automatically mean retailers will require FCA authorisation to continue offering short-term interest-free finance. However, businesses should familiarise themselves with the new requirements and work with their finance providers to ensure they are prepared ahead of implementation.
The ACT will continue to keep members informed as further guidance and supporting materials become available. Our retail finance partner V12 have issued advice to their retail partners this week and will be providing updated marketing materials, including sector specific POS shortly.