---
title: "Debt Collection Regulation in the United Kingdom (2026)"
canonical: https://debtcollectionagencies.org/regulation/united-kingdom/
dateModified: 2026-09-11
---

# Debt Collection Regulation in the United Kingdom

Consumer debt collection in the United Kingdom is regulated by the Financial Conduct Authority (FCA): firms collecting regulated consumer credit debts must hold FCA authorisation. Commercial debt recovery is not FCA-regulated, but court action follows the Pre-Action Protocol for Debt Claims in England and Wales.