In this special Budget edition of the podcast, we take a look at the headlines and relevant news for the financial services sector in this week's Budget. 

After months of speculation about major changes to the Isa and pensions system - what changes were actually announced?

As ever, Eve, James and Tim catch you up with their analysis. 

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In this week's episode, we take a look at the FCA's recent activity in the Contracts for Difference market. The regulator's review of the sector unveils some poor practice and sends a warning shot to the market.

In the second half of the show, we take a look at new research from Fairer Finance focusing on hollowing out in the general insurance market. A number of pet insurers now have low underlying limits which cap payouts on some of the most common costs. While travel insurers increasingly have high excesses that are barely more than the cover limits. We consider what the regulator could do to reverse the race to the bottom on quality.

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In this week's episode, we take a look at the Government's new financial inclusion strategy. With recommendations to improve access to banking, credit and insurance - there are some initiatives to be welcomed, but the recommendations are fairly meek.

In the second half of the show, we look at the FCA's recent multi-firm review focusing on consolidation in the financial advice sector.

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In this week's episode, we look at how AI is being used in financial services and how it might involve in future. We follow the recent discussion between MPs and financial regulators on the topic in the House of Commons and talk about some of the risks as well as the opportunities. 

Staying in Westminster, we take a brief look at the House of Lords Financial Regulation Committee - and its recent inquiry into Car Finance, where many of the members appeared to have conflicts of interest.

And finally, in the second half of the show, we look at the latest FCA Value Measures data. Claims paid as a percentage of premiums are falling in most sectors. But not in GAP insurance, where insurers are now paying out more than they're taking in. We delve into the detail of the numbers and discuss what they might mean. 

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In this week's episode, we discuss the detail behind the FCA's proposed motor finance redress scheme. While millions of consumers could be in line for compensation, some consumers are unhappy with the design of the scheme.

In the second half of the show, we look at the FCA's latest consumer duty updates, and it's work plan for the year ahead. With Buy Now Pay Later being brought into FCA regulation and the Consumer Credit Act under review - the FCA is kickstarting a review of its credit disclosure rules. We discuss what changes we might see, and also talk about Nikhil Rathi's recent letter to the Chancellor and what he meant by the phrase "rebalancing risk".

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In this week's episode, we start with a look at Which?'s super-complaint into the home and travel insurance markets. Fairer Finance supported Which? with its analysis, and shares its concerns. But it's likely to have gone down like a lead balloon at the FCA, where resources are stretched and management are being told to focus on the Treasury's pro-growth, deregulation agenda.

In the second half of the show, we look at the FCA's latest consultation into regulation of the crypto currency market. The regulator floats the idea of not applying the Consumer Duty to crypto currency markets. Is this the first signal that it is softening on its commitment to the Duty? 

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What's the Fairer Finance podcast about and who is it for? 

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We're back from a summer break - starting season 2 with a look at the Supreme Court car finance ruling. We explore what it means for the industry and for consumers.

In the second half of the show, we look back at the news stories from the past few weeks - including what the new Economic Secretary might mean for Government financial services policy. We also take a look forward to what's coming up over the Autumn and Winter.

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This week, we are dedicating the whole episode to insurance. Last week, the FCA published a raft of papers around the general insurance market - from the premium finance market study interim report through to its review of the general insurance pricing practices remedies.

We unpack what was in the FCA papers and what these might mean for industry and consumers.

In the first half of the show, we discuss Fairer Finance's new report into insurance pricing, which calls on the FCA and government to make a number of changes to the market.

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In this week's episode we discuss the Leeds reforms announced by the Chancellor on 15 July. These included more detail about reforms to the Financial Ombudsman Service as well as significant changes to the Senior Managers & Certification Regime.

There was also a hint of changes to the retail banking ringfence. We discuss what all this means for businesses and consumers.

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