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October 21, 2025
21
Oct

FCA Enforcement Insights 2025

October 21, 2025
Key Takeaways for Consumer Credit Firms FCA enforcement data from 2025 highlights the importance of proactive compliance, with a focus on consumer harm, financial promotions, reporting failures, and governance weaknesses. Key Enforcement Trends Mis-selling & High-Cost Credit – Inadequate affordability checks, misleading promotions, weak arrears monitoring. Consumer Duty Non-Compliance – Policies without evidence of good...
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21
Oct

Authorisation Gets a Makeover

October 21, 2025
FCA Sets Faster Timelines—But Don’t Get Complacent The FCA has unveiled a new set of targets for authorisations. On paper: faster approvals. In practice: tougher hurdles. What’s Changing? The FCA now expects: – 80% of straightforward applications to be resolved in 2 months – 80% of moderately complex cases in 6 months – 80% of...
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21
Oct

FCA’s New Consumer Credit Regulatory Return (CCR009)

October 21, 2025
What Firms Need to Know From 1 January 2026, many consumer credit firms will face new reporting requirements under the FCA’s CCR009 return. The changes, finalised in Policy Statement PS25/3, mark a significant shift in how the FCA gathers data from credit brokers, lenders, and debt counselling firms. For directors and compliance teams alike, the...
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