Klarna & Clearpay complaints: your new rights from 15 July 2026
BNPL comes under FCA regulation on 15 July 2026: affordability checks, real support in hardship, and Financial Ombudsman escalation. What changes and how to use it.
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BNPL comes under FCA regulation on 15 July 2026: affordability checks, real support in hardship, and Financial Ombudsman escalation. What changes and how to use it.
From 15 July 2026, Klarna, Clearpay, and other BNPL providers fall under FCA regulation. You’ll gain affordability checks and the right to complain to the Financial Ombudsman - though Section 75 still doesn’t cover BNPL itself.
BNPL gets Financial Ombudsman access in July (not Section 75, which stays credit-card only). Drip pricing is banned. UK261 covers all UK departures. Here’s your complete pre-travel checklist and what to do when things go wrong.