In this episode, we examine the Financial Conduct Authority’s upcoming Product Sales Data (PSD) regulation, which will take effect in Q3 2025. PSD represents a major shift in regulatory expectations, requiring firms with more than £20 million in outstanding balances or new advances to submit comprehensive, near real-time data on product performance. This change aligns with a global movement towards more data-driven supervision, where regulators demand faster, more accurate insights to protect consumers.

Firms that do not prepare adequately face significant risks, including operational disruption from inadequate systems, regulatory penalties for poor-quality or late submissions, and the strain of relying on fragmented legacy technology. Quick fixes and manual reporting are no longer sufficient and often lead to higher costs and compliance gaps. Proactive investment in modern infrastructure is essential to avoid these pitfalls.

Arum encourages firms to view PSD as an opportunity to strengthen data capabilities, improve controls, and enhance decision-making. Modern cloud platforms, automated reporting tools, and AI-powered data quality processes can turn compliance into a strategic advantage. Using our Regulatory Readiness Framework, we help organisations benchmark their current state, design a tailored roadmap, and implement solutions that deliver lasting value well beyond the 2025 deadline.