JFSC Feedback and follow-on consultation: Handbook enhancements and criminal background checks
28/11/2025
JFSC published feedback on two consultations and launched a follow-on consultation:
Criminal background checks
Following your feedback, JFSC removed the three-year rolling refresh requirement and confirmed that supervised persons are now responsible for collecting and maintaining records.
Read our feedback on consultation on enhancements to criminal background checks.
AML/CFT/CPF Handbook enhancements
The implementation date for proposed enhancements, including enhanced criminal background checks, has been deferred to 31 May 2026 to give industry more time to prepare. Most enhancements will proceed with adjustments based on feedback, while some changes relating to PEPs have been deferred.
Read feedback on proposed enhancements to the AML/CFT/CPF Handbook.
Follow-on consultation on complex structures
JFSC is seeking feedback on proposals to split the complex structures guidance into two parts within the Handbook. Feedback is invited by Thursday 12 February 2026.
Read follow-on consultation: AML/CFT/CPF Handbook enhancements complex structures.
Join JFSC webinar
To help you understand these changes and prepare, join a live webinar on Monday, 1 December 2025, from 11:00am to 12:00pm. JFSC will present the consultation outcomes, outline the follow-up consultation, and address your questions.
Book your ticket for the webinar.
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As well as owning and publishing Comsure's copyrighted works, Comsure wishes to use the copyright-protected works of others. To do so, Comsure is applying for exemptions in the UK copyright law. There are certain very specific situations where Comsure is permitted to do so without seeking permission from the owner. These exemptions are in the copyright sections of the Copyright, Designs and Patents Act 1988 (as amended)[www.gov.UK/government/publications/copyright-acts-and-related-laws]. Many situations allow for Comsure to apply for exemptions. These include 1] Non-commercial research and private study, 2] Criticism, review and reporting of current events, 3] the copying of works in any medium as long as the use is to illustrate a point. 4] no posting is for commercial purposes [payment]. (for a full list of exemptions, please read here www.gov.uk/guidance/exceptions-to-copyright]. Concerning the exceptions, Comsure will acknowledge the work of the source author by providing a link to the source material. Comsure claims no ownership of non-Comsure content. The non-Comsure articles posted on the Comsure website are deemed important, relevant, and newsworthy to a Comsure audience (e.g. regulated financial services and professional firms [DNFSBs]). Comsure does not wish to take any credit for the publication, and the publication can be read in full in its original form if you click the articles link that always accompanies the news item. Also, Comsure does not seek any payment for highlighting these important articles. If you want any article removed, Comsure will automatically do so on a reasonable request if you email info@comsuregroup.com.