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Story: UK Regulators Put Cloud Giants and Tech Firms Under New Financial Oversight Rules

By Sydney TheCMO

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Why the Old Model Wasn't Enough. The financial sector's dependence on shared infrastructure has grown sharply.

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What Critical Third Parties Must Actually Do. Designation as a critical third party comes with real expectations.

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Proactive Engagement, Not Just Compliance. There's a tone to the new framework worth noting. It's not purely punitive.

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The Bank of England, the PRA, and the FCA are now watching. Not just banks. Not just insurers.

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It's a pretty significant shift. For years, UK financial regulation basically told individual firms: sort out your own resilience. Build your own recovery plans.

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The financial sector's dependence on shared infrastructure has grown sharply. Cloud computing, data services, technology platforms — these aren't niche tools anymore.

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Recent cyber incidents at major corporations made the problem hard to ignore. A single disruption hitting one widely-used provider can ripple outward in ways that no individual…

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In 2025, a significant portion of incidents reported to the FCA involved third-party issues. A notable percentage of those were cyber-related.

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The new framework doesn't replace what firms already have to do. Banks and insurers still own their own resilience obligations.

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Designation as a critical third party comes with real expectations. These providers must identify and manage risks tied to the services they offer to UK financial firms.

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Read also: MiCA Pushes 300 Authorised Firms Into Europes Crypto Consolidation Race

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Joint testing exercises are part of it. So is sharing self-assessments with affected firms. The idea is transparency: if a provider knows it's carrying systemic weight, it should…

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The goal, as the regime frames it, is for consumers and businesses to see more reliable services and faster recovery times when disruptions do happen.

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There's a tone to the new framework worth noting. It's not purely punitive. The FCA and PRA seem to want designated providers engaged proactively — testing continuously, sharing…

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That's a harder ask than it sounds. Providers that serve multiple regulated firms are often working across different contractual relationships, different data-sharing agreements,…

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