Episode 5 of Everything Financial Services, Addleshaw Goddard’s financial services podcast, explores the role of regulation, enforcement and dispute resolution in supporting a competitive and growing financial services sector. Host Christina Proffitt is joined by guests David Pygott and James Southworth to discuss the challenges facing firms, regulators and policymakers as they seek to balance consumer protection, market confidence and economic growth.

The discussion examines how regulatory enforcement, consumer redress and litigation shape decision-making across financial services firms. David and James explore the importance of proportionate regulation, the evolving approach of the FCA, and the risks that can arise when firms face unpredictable liabilities. They also discuss emerging areas of concern including financial promotions on social media, private credit markets and the governance challenges created by new technologies.

The episode highlights why trust in the UK's regulatory and dispute resolution framework remains critical to maintaining the country's position as a leading global financial centre. David and James consider how regulators, courts and industry participants can work together to support innovation and investment while ensuring accountability, legal certainty and fair outcomes for firms and consumers alike.