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Latest News

30
Jan

January Under the Microscope

January 30, 2026
How the FCA Assesses Consumer Credit Firms After the Festive Period January is one of the most revealing months in the regulatory calendar for consumer credit firms. While December is often dominated by volume, marketing and operational pressure, January is where the consequences surface. Arrears increase, complaints rise, vulnerability becomes more visible, and systems that...
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28
Jan

Updated DSAR Guidance Under the Data (Use and Access) Act:

January 28, 2026
What Financial Services Firms Need to Know Data Subject Access Requests (DSARs) have long been a pressure point for financial services firms. They are operationally disruptive, legally sensitive and often triggered at moments of heightened customer dissatisfaction whether that be complaints, arrears, collections or disputes. With the introduction of the Data (Use and Access) Act...
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26
Jan

January Affordability, Creditworthiness and the FCA

January 26, 2026
Affordability, Creditworthiness and the FCA: Why January Is a Regulatory Flashpoint January has become one of the most important months in the FCA’s supervision of consumer credit firms. While affordability and creditworthiness are permanent regulatory themes, January is where weaknesses are most likely to surface — and where the regulator can see, in real time,...
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22
Jan

ICO Complaints Handling Reform

January 22, 2026
Why Financial Services Firms Need to Rethink Their Approach Complaints handling has always been a sensitive area for financial services firms. It sits at the intersection of customer dissatisfaction, regulatory scrutiny and operational pressure. With the Information Commissioner’s Office consulting on reforms to the data protection complaints process, that pressure is set to increase, particularly...
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22
Jan

Financial Ombudsman Update

January 22, 2026
New Interest Rate and Calculator for Compensation Awards — What Firms Need to Know As we enter 2026, one of the most significant shifts in redress practice for financial services firms has quietly taken effect. The Financial Ombudsman Service has introduced a revised way of calculating the interest applied to compensation awards in complaint decisions...
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19
Jan

From Lending to Recovery: Responsible Collections, Consumer Duty and the January Stress Test

January 19, 2026
January is where consumer credit decisions are tested in the real world. The lending and underwriting choices made in the run-up to Christmas begin to surface in arrears, customer contact, complaints and requests for support. For the FCA, this is not simply an operational challenge for firms — it is a clear window into whether...
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08
Jan

How to Conduct Root Cause Analysis

January 8, 2026
Root cause analysis is usually requested because fixing an outcome is not enough, and a firm is expected to explain why an issue occurred and whether the same issue could happen again. If you have been asked to carry out a root cause analysis and are unsure what is expected, that uncertainty is common, as...
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12
Dec

How to Deal With Subject Access Requests

December 12, 2025
With UK GDPR (General Data Protection Regulation) being a continual priority and the importance it plays in protecting individuals’ data, when you receive a subject access request, it can be daunting, stressful, and complex. This is particularly true if you’re a new company or if it’s the first time you’ve handled a subject access request. ...
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12
Dec

The January Risk Spike

December 12, 2025
How Credit Firms Should Prepare Now Every year, the pattern repeats itself. December is busy, noisy and commercially intense, but January is where the real pressure lands. Borrowing slows, reality bites, and customers begin to feel the consequences of decisions made during the festive period. For consumer credit lenders, brokers and digital credit platforms, January...
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