This month's episode covers references, with a focus on regulatory references in the Financial Services sector. We will be looking at what the legal position is for employers to provide a reference for former employees. We will also cover the regulatory reference system and the higher obligations that are placed on FCA and/or PRA regulated employers when providing references. Acronym guide: FCA – Financial Conduct Authority FSMA – Financial Services and Markets Act 2000 GDPR – the General Data Protection Regulations and Data Protection Act PRA – Prudential Regulation Authority SMCR – Senior Manager Certification Regime SMF – Senior Management Functions