01255 861 697
·
requests@alphlegal.com
·
Mon - Fri 09:00-17:00
Speak To Us Today

Day

November 26, 2025
26
Nov

Distribution Chains & the Consumer Duty

November 26, 2025
How Brokers and Lenders Jointly Manage Responsibilities The Consumer Duty has pushed every firm in the consumer credit market to rethink what “good outcomes” truly mean in practice. For lenders and brokers, one of the most challenging areas remains the management of distribution chains — an ecosystem that often involves multiple intermediaries, digital partners, introducers,...
Read More
26
Nov

ICO’s Consultation on Data Protection Complaints Process

November 26, 2025
What Consumer Credit Firms Need to Know In 2025, the ICO launched a consultation proposing significant changes to how data protection complaints must be handled.  For consumer credit firms—where customer interactions are constant, data flows complex, and complaints frequently overlap with credit decisions—these changes carry both opportunity and risk.  In this blog, we explain the...
Read More
26
Nov

ICO’s Data Protection Audit Framework & the DUAA

November 26, 2025
What consumer-credit firms must do (and how to show it) The ICO’s Data Protection Audit Framework (published October 2024) gives firms a practical checklist and audit trackers for assessing data-protection maturity across nine control areas. For consumer-credit firms — who process large volumes of highly sensitive personal and financial data across origination, servicing and collections...
Read More
26
Nov

Vulnerable Customers in Focus: Preparing for FCA Thematic Reviews

November 26, 2025
The FCA continues to prioritise consumer vulnerability, with thematic reviews focusing on how firms identify, support, and treat vulnerable customers. This requires strategic oversight and operational readiness. Key Review Areas Customer Identification & Segmentation – Detection, categorisation, and MI reporting. Product and Service Design – Suitability, affordability, transparent fees, and early interventions. Communications & Financial...
Read More
26
Nov

FCA Issues Warning Over Credit-Builder Products

November 26, 2025
What Lenders and Brokers Must Do The Financial Conduct Authority (FCA) has issued a clear and rather stark warning to the market: most credit-builder products are not delivering the benefits firms claim. Following a review published on 10 November 2025, the FCA concluded that there is “little evidence” that these products meaningfully improve consumers’ credit...
Read More