UK Financial Conduct Authority (FCA) Issues Notice to Investors on High-Risk Investments Products Mini-Bonds & Loan Notes, 1) Check if Firm is Regulated by UK FCA, 2) Non-Regulated Firms Provide Fewer Protections for Investors Including Unlikely to be Able to File Complaints to Financial Ombudsman Service or Claim to Financial Services Compensation Scheme, 3) Advertisements Promising Higher Rate of Returns & Overstating Safety of Capital, 4) High-Risk Investments are Suitable for Only the Most Experienced Investors as They Fully Understand Risks / Opportunities & Have Finances to Deal with Losses, 5) New Public Offers and Admissions to Trading Regime Grants UK FCA More Power But Still Limited Ability to Deal with Unauthorized Firms
27th January | Hong Kong
UK Financial Conduct Authority (FCA) has issued notice to investors on high-risk investments products mini-bonds & loan notes, 1) Check if firm is regulated by UK FCA, 2) Non-regulated firms provide fewer protections for investors including unlikely to be able to file complaints to Financial Ombudsman Service or claim to Financial Services Compensation Scheme, 3) Advertisements promising higher rate of returns & overstating safety of capital, 4) High-risk investments are suitable for only the most experienced investors as they fully understand risks / opportunities & have finances to deal with losses, 5) New Public Offers and Admissions to Trading regime grants UK FCA more power but still limited ability to deal with unauthorized firms. UK FCA (23/1/26): “On 19 January 2026, the Public Offers and Admissions to Trading regime came into force. The regime sets new rules and standards about when an offer of securities to the public can be made. A security is a financial instrument that represents some type of financial value (for example, shares, bonds and stock) that can be traded on a financial exchange. The types of securities within scope of this regime include transferable securities (such as shares on a stock exchange) as well as non-transferable debt securities (including mini-bonds and loan notes). Investing in mini-bonds and loan notes – The nature of mini-bonds and loan notes makes them high-risk. Taking higher investment risks can be right for some people, depending on your circumstances. But you need to make sure you’re aware of the risks you’re taking. You should check whether the firm you’re investing with is authorised. If you’re offered these types of investments from a firm not regulated by the FCA, there are generally fewer protections available. You’re unlikely to be able to take complaints to the Financial Ombudsman Service or make a claim through the Financial Services Compensation Scheme. This may make it much harder to get your money back if something goes wrong (such as the firm going out of business). We warned recently about our concerns that people were being encouraged to invest in risky schemes without appreciating the extent of the risks. We’ve seen adverts promising higher rates of return than mainstream investments. We’ve also seen examples of firms over-stating how safe your capital is and under-stating the very real risk of losing some, or even all, of your money. High-risk investments are unsuitable for all but the most experienced investors. These investors fully understand the risks, as well as the opportunities, of high-risk investments and have the finances to deal with losses. We’re gaining new powers as part of the new regime (including over unauthorised firms). But even with these new powers, we’ll still have a limited ability to deal with unauthorised firms.”
“ UK Financial Conduct Authority (FCA) Issues Notice to Investors on High-Risk Investments Products Mini-Bonds & Loan Notes, 1) Check if Firm is Regulated by UK FCA, 2) Non-Regulated Firms Provide Fewer Protections for Investors Including Unlikely to be Able to File Complaints to Financial Ombudsman Service or Claim to Financial Services Compensation Scheme, 3) Advertisements Promising Higher Rate of Returns & Overstating Safety of Capital, 4) High-Risk Investments are Suitable for Only the Most Experienced Investors as They Fully Understand Risks / Opportunities & Have Finances to Deal with Losses, 5) New Public Offers and Admissions to Trading Regime Grants UK FCA More Power But Still Limited Ability to Deal with Unauthorized Firms “
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UK Financial Conduct Authority (FCA) Issues Notice to Investors on High-Risk Investments Products Mini-Bonds & Loan Notes, 1) Check if Firm is Regulated by UK FCA, 2) Non-Regulated Firms Provide Fewer Protections for Investors Including Unlikely to be Able to File Complaints to Financial Ombudsman Service or Claim to Financial Services Compensation Scheme, 3) Advertisements Promising Higher Rate of Returns & Overstating Safety of Capital, 4) High-Risk Investments are Suitable for Only the Most Experienced Investors as They Fully Understand Risks / Opportunities & Have Finances to Deal with Losses, 5) New Public Offers and Admissions to Trading Regime Grants UK FCA More Power But Still Limited Ability to Deal with Unauthorized Firms
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