UK Structured Products Association: Addressing complexity in the structured products market

The UK Structured Products Association (UKSPA) undertook an iterative programme of market research to address the regulator's concerns following a review of the structured products market by the FCA (Financial Conduct Authroity).

Background

Structured products are fixed-term investments where the return is based on the performance of a specific market (for example FTSE 100) or asset (company shares). In today's low interest rate environment, structured products offer an opportunity for consumers to outperform savings products. However, structured products have more complex features and may not provide any return.

Following a review of the market in 2015, the FCA was concerned that the complexity of features and combinations thereof presented a barrier to consumer understanding of how these products work. In addition, the FCA was concerned that the growing number of products was...

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