This policy briefing accompanies ShareAction’s In Debt to the Planet 2025 report, which reveals how major financial institutions continue to bankroll the climate crisis. Focusing on the UK’s five largest retail banks - Barclays, HSBC, Standard Chartered, Lloyds, and NatWest - it shows that banks are still funneling billions into fossil fuel expansion, weakening their own climate commitments, and failing to produce credible transition plans. The briefing sets out clear, practical recommendations for the UK Government and regulators to strengthen transition plan requirements, phase out fossil fuel financing, and accelerate investment in the technologies and infrastructure needed for a fair, competitive green economy.