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October 13, 2025
13
Oct

Appointed Representative Oversight

October 13, 2025
Are Credit Brokers FCA-Ready? The FCA has increasingly focused on appointed representatives (ARs) in consumer credit, signalling that firms cannot outsource responsibility for compliance. Data from 2025 shows continued scrutiny on consumer harm, reporting failures, financial promotions, and governance weaknesses. Key Enforcement Areas Mis-selling & High-Cost Lending Weak affordability assessments. Misleading promotions. Inadequate arrears and...
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13
Oct

Consumer Duty One Year On

October 13, 2025
Where Credit Firms Should Focus It has been just over a year since the FCA’s flagship Consumer Duty came into effect for most retail financial services firms, including credit brokers, lenders, and consumer credit providers. For many businesses, this has been the most significant regulatory shift in the past decade – reshaping expectations around culture,...
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13
Oct

The FCA Just Revolutionised Consumer Credit Reporting

October 13, 2025
PS25/3 – The FCA Just Revolutionised Consumer Credit Reporting: Are You Ready? When the FCA publishes PS25/3: Consumer Credit Regulatory Returns on 7 May 2025, it didn’t just tweak the rules—it delivered a step-change in how credit broking and related firms must report supervisory data (fca.org.uk). You can read the full text of PS25/3 (PDF)...
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13
Oct

Consumer Duty in Focus – What’s Next for 2025?

October 13, 2025
The FCA’s Consumer Duty isn’t new—but as we enter its second full year, expectations are rising fast. Firms regulated for consumer credit can no longer rely on policies that simply ‘tick the box’. What’s Changing in 2025? By 31 July 2025, firms must: Complete their second annual Consumer Duty Board Report Evidence of measurable improvements...
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