UK BNPL rules bring Section 75 refunds and mandatory affordability checks from Wednesday
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UK BNPL regulation now requires FCA authorisation, transaction-level affordability checks, FOS complaint access, and Section 75-style refund rights. This raises compliance and underwriting friction for major providers like Klarna and Clearpay, potentially reducing approval rates (estimated 10%–30% rejected) and shifting some demand toward alternative credit channels. Market impact is mainly sector-structural rather than driven by disclosed earnings, pricing, or a named listed issuer.
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New UK rules for buy now, pay later (BNPL) took effect from Wednesday, requiring providers to be authorised by the Financial Conduct Authority and to run an affordability check on every transaction. Consumers also gain access to the Financial Ombudsman Service for unresolved complaints and Section 75-style refund rights on faulty goods costing more than £100. Major providers including Klarna and Clearpay are directly affected. Kate Pender of Fair4All Finance estimated 10% to 30% of users could be turned down and may move to more expensive or unregulated credit options.
