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The Treasury has launched a long-awaited consultation that represents the next step in giving millions of borrowers who use ‘buy now, pay later’ (BNPL) schemes better rights and protections.

BNPL schemes typically offer short-term, interest-free borrowing but are not currently regulated by the Financial Conduct Authority (FCA), unlike more traditional forms of credit. This means borrowers have fewer safeguards if something goes wrong.

Find out more about the new regulations.

BNPL regulations