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Latest News

05
May

Legitimate Interests vs Consent: A Practical Guide for Consumer Credit Firms

May 5, 2026
Choosing the right lawful basis for data processing should be straightforward. In practice, it is one of the areas where firms most frequently get it wrong. For consumer credit lenders and brokers, the distinction between legitimate interests and consent sits at the centre of how customer data is used. It affects marketing, lead generation, affordability,...
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01
May

The Data (Use and Access) Act 2025

May 1, 2026
What It Means for Consumer Credit Firms in Practice The Data (Use and Access) Act 2025 is not a complete reset of UK data protection law. But it does change how firms are expected to apply it. For consumer credit lenders and brokers, the impact is less about new rules and more about how existing...
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28
Apr

The True Cost of In-House vs. Outsourced Compliance

April 28, 2026
For consumer credit businesses, the regulatory landscape has never been more challenging, with the full implementation of Buy Now Pay Later (BNPL) regulation in July 2026 and the continued implementation of the Consumer Duty frameworks. The cost of getting compliance wrong is now even more disastrous, as the FCA has been placing greater priority on...
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24
Apr

Whistleblowing, Culture and Conduct Risk: Why Internal Reports Matter More Than Ever

April 24, 2026
Whistleblowing is often treated as a safeguard of last resort. A formal process. A regulatory requirement. Something that sits quietly in the background unless something goes wrong.  In 2026, that view is outdated. Across the consumer credit sector, internal reports are increasingly being seen as early indicators of conduct risk. For the Financial Conduct Authority,...
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22
Apr

Regulatory Convergence in 2026: How FCA, ICO and ASA Expectations Are Overlapping

April 22, 2026
Regulation is no longer happening in silos. For consumer credit firms, one of the most important developments in 2026 is not a single rule change or policy update. It is the increasing alignment between regulators. The Financial Conduct Authority, Information Commissioner’s Office and Advertising Standards Authority are approaching firms from different angles, but with a...
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17
Apr

FCA Data Requests Are Increasing

April 17, 2026
What Consumer Credit Firms Are Being Asked For in 2026 Supervision is becoming more direct. Across the consumer credit sector, firms are seeing a noticeable increase in targeted information requests from the Financial Conduct Authority. These are not routine exercises or broad thematic sweeps. They are focused, data-led and designed to test whether Consumer Duty...
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15
Apr

DSARs, Complaints and Data Risk: Why Firms Are Still Getting This Wrong

April 15, 2026
Data subject access requests (DSARs) are no longer just a data protection issue. Across consumer credit firms, DSARs are increasingly overlapping with complaints, regulatory scrutiny and wider conduct risk. What was once seen as an operational or legal process now sits much closer to the heart of governance and customer outcomes. Both the Information Commissioner’s...
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14
Apr

Consumer Duty in 2026: What New Businesses Must Prove During Their FCA Application.

April 14, 2026
The standard for FCA (Financial Conduct Authority) authorisation in the consumer credit sector has shifted. In 2026, the FCA has moved from an implementation phase to an embedding phase.  This means that instead of showing policy documentation and models of why your interest rates are fair, you need to prove that your systems are a...
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09
Apr

Collections, Arrears and Vulnerability: Where Firms Are Now Being Tested

April 9, 2026
Collections is becoming one of the clearest indicators of Consumer Duty in practice. Across the consumer credit sector, the Financial Conduct Authority is increasingly focused on what happens after the point of sale. While affordability and onboarding remain important, supervisory attention is shifting towards how firms manage customers in financial difficulty and how outcomes evolve...
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