英国在2026年4月推出免费的团体财务咨询服务,并有严格的规则。 UK to launch free, group-based financial advice service April 2026 with strict rules.

联合王国《公平竞争法》发布了关于设定于2026年4月6日启动的定向支助制度的近乎最终规则,旨在通过使公司能够提出以群体为基础、非个性化的建议,弥补财务咨询差距。 The UK FCA has released near-final rules for a targeted support regime set to launch April 6, 2026, aiming to close the financial advice gap by enabling firms to offer group-based, non-personalized recommendations. 自2026年3月起,企业必须申请许可,保持500 000英镑的管制资本,并满足消费者分割、适当性、透明度和监测方面的严格要求。 Firms must apply for permission starting March 2026, maintain £500,000 in regulatory capital, and meet strict requirements on consumer segmentation, suitability, transparency, and monitoring. 标签为“有针对性的支持”的服务必须免费或交叉补贴,除了有限的年金查询外,不允许有任何佣金。 The service, labeled "Targeted Support," must be free or cross-subsidized, with no commissions allowed except for limited annuity referrals. 它与关于消费者责任和SM&CR的现有规则相结合,公司必须披露限制,确保脆弱的消费者不被忽略。 It integrates with existing rules on consumer duty and SM&CR, and firms must disclose limitations and ensure vulnerable consumers aren’t overlooked. 财政部正在推动立法草案,预计到2026年3月将出台一份法定文书。 The Treasury is advancing draft legislation, with a statutory instrument expected by March 2026.