Guardexia Blog
Regulatory analysis for payment firms and EMIs
Read practical breakdowns of FCA safeguarding, CASS 15, PS25/12, and wind-down operability.
Outlook
Beyond 7 May: where the FCA is taking payments regulation next
PS25/12 as a measurement instrument, monthly data, supervisory priorities, VREQs, and Post-Repeal timing.
Featured
Wind-Down Plans: Why Most Payment Firms Still Aren't Ready
What the FCA keeps finding, what changes in May 2026, and the six readiness questions that matter.
Analysis
CASS 15 and the FCA's 65% safeguarding shortfall finding
Failure patterns, audit framework priorities, how the regime was introduced, and board-level implications.
Guides & tools
Longer-form guides and interactive tools. Same product truth; listed here for easy discovery.
REP027 software
Prepare the monthly safeguarding return from controlled data
Connect daily reconciliation, discrepancy review, data lineage and exportable REP027 evidence.
Safeguarding
Automated safeguarding reconciliation for FCA firms
From ingestion to signed snapshots, variance checks, and evidence that ties to PS25/12 and CASS 15.
Tool
PS25/12 exposure check
The regime is in force. Twelve yes/no questions — would your controls survive a supervisory visit or first CASS 15 audit?
Guide
CASS 15 Annex 1 acknowledgement letter checklist
Obtain, track and retain the prescribed letter for each relevant safeguarding institution.
CASS 10A
Resolution pack software and operational checklist
Organise ownership, inventory, acknowledgement letters and retrieval evidence.
Coverage
External commentary featuring Guardexia and UK payments-regulation analysis.