Buy Now Pay Later Regulation Starts 15 July 2026: What Klarna, Clearpay and Consumers Need to Know
From 15 July 2026, Buy Now Pay Later services in the UK — Klarna, Clearpay, PayPal, Zilch — come under FCA regulation for the first time. Affordability checks, Section 75 protection, Financial Ombudsman access. Here's what's changing for 10.9 million UK BNPL users.