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	<title>Bratby Law</title>
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	<description>Specialist UK Telecoms, Data Protection and Payments Regulation Lawyers</description>
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		<title>Agentic AI data protection: where the ICO&#8217;s draft Article 22 guidance leaves UK data controllers</title>
		<link>https://bratby.law/agentic-ai-data-protection-uk-gdpr-ico/</link>
		
		<dc:creator><![CDATA[Rob Bratby]]></dc:creator>
		<pubDate>Sat, 23 May 2026 16:25:20 +0000</pubDate>
				<category><![CDATA[Data Protection]]></category>
		<guid isPermaLink="false">https://bratby.law/?p=10427</guid>

					<description><![CDATA[In short: Agentic AI data protection in the UK is governed by UK GDPR Articles 22A to 22D, which permit solely automated significant decisions subject to the Article 22C safeguards. The safeguards apply at every sub-agent step. The data controller must control which sub-agents the orchestrator calls, hold a controller-to-processor contract under Article 28 for...]]></description>
		
		
		
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		<title>Financial Services and Markets Bill 2026: PSR absorbed into the FCA</title>
		<link>https://bratby.law/financial-services-and-markets-bill-2026/</link>
		
		<dc:creator><![CDATA[Rob Bratby]]></dc:creator>
		<pubDate>Thu, 21 May 2026 12:56:08 +0000</pubDate>
				<category><![CDATA[Payments Regulation]]></category>
		<guid isPermaLink="false">https://bratby.law/?p=10422</guid>

					<description><![CDATA[In short: The Financial Services and Markets Bill 2026 provides for the abolition of the Payment Systems Regulator and the transfer of its functions to the FCA. The Bill is the legal mechanism; the substantive consolidation happens on commencement. For UK payment institutions and e-money institutions, the supervisor changes; the substance of payments regulation does...]]></description>
		
		
		
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		<title>Framework contract termination: new PSRs 2017 regs 51 to 51D from 28 April 2026</title>
		<link>https://bratby.law/framework-contract-termination-2026/</link>
		
		<dc:creator><![CDATA[Rob Bratby]]></dc:creator>
		<pubDate>Wed, 20 May 2026 13:02:06 +0000</pubDate>
				<category><![CDATA[Payments Regulation]]></category>
		<guid isPermaLink="false">https://bratby.law/?p=10414</guid>

					<description><![CDATA[In short: Framework contract termination by UK payment service providers operates under a new architecture from 28 April 2026. Closing a customer account opened on or after that date now requires 90 days&#8217; written notice, sufficiently-detailed reasons and Financial Ombudsman Service signposting. Five carve-outs in regulation 51C and a fast-track regime in regulation 51D sit...]]></description>
		
		
		
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		<title>FCA Approach Document v8: safeguarding regime consolidated, May 2026</title>
		<link>https://bratby.law/fca-approach-document-safeguarding-may-2026/</link>
		
		<dc:creator><![CDATA[Rob Bratby]]></dc:creator>
		<pubDate>Wed, 20 May 2026 12:33:54 +0000</pubDate>
				<category><![CDATA[Payments Regulation]]></category>
		<guid isPermaLink="false">https://bratby.law/?p=10412</guid>

					<description><![CDATA[In short: The FCA Approach Document version 8 sets the supervisory expectation for the safeguarding regime that took effect on 7 May 2026. UK PSPs and EMIs must operate segregation, daily reconciliation, monthly returns and an annual audit under CASS 15, CASS 10A, SUP 16.14A and SUP 3A. A designated senior individual is accountable for...]]></description>
		
		
		
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