Group 1 - The UK financial regulatory system is undergoing a new round of adjustments aimed at reducing compliance burdens while maintaining consumer protection and financial system stability [1] - The Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA) announced plans to optimize the Senior Managers and Certification Regime established after the 2008 financial crisis [1] - The reforms are part of a broader initiative by the UK government to promote growth in the financial services sector, with key policy directions revealed by Chancellor Rachel Reeves [1] Group 2 - The minimum capital and debt instrument threshold (MREL) for banks will be raised to a range of £25 billion to £40 billion to enhance risk resilience [2] - The implementation deadline for trading book rules under Basel III.1 for investment banking activities is set for January 1, 2028, while other provisions will still take effect in 2027 [2] - The UK plans to attract international capital by enhancing support services for multinational financial firms, including customized site planning [2] Group 3 - The reform plan exhibits a "combination of looseness and tightness," simplifying executive accountability and optimizing dispute resolution mechanisms to lower compliance costs while reinforcing capital requirements and consumer protection boundaries [3] - The policy approach addresses the financial industry's demand for regulatory efficiency while continuing the core logic of post-crisis reforms, with actual effects pending market evaluation [3]