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United Kingdom
In force since 1 June 2026

DUAA 2025 compliance for a fintech app

Data (Use and Access) Act 2025. This page applies it to one kind of product (fintech app), so you get the obligations that are actually yours instead of a summary of the whole statute.

Does it apply to you?

Reform of the UK data regime: UK GDPR adjustments, cookies and automated decisions.

What a fintech app typically processes

  • identity verification and KYC documents
  • bank account or card data through a regulated provider
  • transaction history and fraud signals

Each of these is processing you have to disclose. Adding an SDK later adds to this list — which is why a policy written once goes stale.

Documents you need

The intersection of what DUAA 2025 requires and what a fintech app actually does:

  • Privacy policy
  • Terms of service

Rights you must honour

DUAA 2025 gives people in the United Kingdom the right to:

  • Access a copy of their data
  • Correct inaccurate data
  • Have their data deleted
  • Receive their data in a portable format
  • Object to certain processing
  • Restrict processing
  • Withdraw consent at any time
  • Ask for human review of an automated decision

Cookies and trackers

Nothing non-essential may load before the visitor agrees. Analytics and marketing scripts must be blocked until then — a banner that only informs is not enough.

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Primary sources

Everything we track about DUAA 2025 →

DUAA 2025 for other kinds of product

Other frameworks for a fintech app

This page is an engineering summary of publicly available regulatory requirements, generated from LexVibe's framework registry — not legal advice. Every framework links to its official text so you can check it yourself. For decisions about your own compliance posture, consult the primary sources and a lawyer qualified in the relevant jurisdiction.