From April 28, 2026, major UK banks, including Lloyds, HSBC, and NatWest, will enforce new regulations regarding account closures, known as 'de-banking'. These rules mandate that banks provide customers with at least 90 days' notice before terminating accounts, an increase from the previous requirement of two months. The legislation aims to enhance consumer protection by ensuring customers receive clear written explanations for account closures, enabling them to challenge decisions through the Financial Ombudsman Service. This change is particularly beneficial for small businesses, which have reported issues with abrupt account terminations that leave them scrambling for alternatives. While the rules are designed to protect consumers, exceptions will remain for compliance with financial crime laws. The government emphasizes that these measures are part of a broader plan to ensure economic security and access to banking services for all residents in the UK.