By Lars Mucklejohn In 2021, a government-commissioned report warned of the “urgent” need for regulation of the buy-now pay-later sector. But three years on, firms have been left hanging in uncertainty as they head into the general election. Lars Mucklejohn and Charlie Conchie look at why As officials from the Treasury and Financial Conduct Authority (FCA) sat down with a buy-now pay-later (BNPL) boss to chat through their impending regulatory clampdown last year, frustration boiled over. “Have you used BNPL products?,” the fintech chief asked the pair leading the work for the government and FC…