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Latest News

11
Jun

The Data (Use and Access) Act 2025 Is Now Operational: Have You Updated Your Processes?

June 11, 2026
For many firms, the implementation of the Data (Use and Access) Act 2025 (DUAA) may feel like a completed project. Privacy notices have been reviewed. Policies have been updated. Internal communications have been circulated. However, one of the biggest risks facing firms is assuming that compliance ends there. The reality is that the DUAA is...
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08
Jun

Tracking Customer Journeys: The FCA’s New Approach to Consumer Credit Supervision

June 8, 2026
The way the Financial Conduct Authority supervises consumer credit firms is changing. Historically, regulatory intervention was often triggered by complaints, supervisory reviews, whistleblowing reports or identified breaches. While these remain important, the FCA is increasingly focusing on something much broader: understanding the customer’s journey from beginning to end. Recent FCA commentary on tracking consumer credit...
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30
May

Credit Brokerage Compliance: Navigating the 2026 Regulatory Landscape

May 30, 2026
As the regulatory environment continues to evolve in 2026, the role of a credit broker is being redefined by intense scrutiny and higher expectations, which means that it is no longer enough to simply facilitate a loan. For many regulated credit broker businesses, the focus has shifted towards the quality of the advice given and...
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28
May

Consumer Duty Year 2

May 28, 2026
How to Prepare Your Next Board Report Now The next Consumer Duty board report is closer than many firms think. With most firms approaching their second annual assessment, recent commentary from the Financial Conduct Authority makes it clear that expectations are evolving. The focus is no longer on whether firms have implemented the Duty, but...
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22
May

How Firms Should Be Tracking Consumer Credit Journeys in Practice

May 22, 2026
The way firms monitor customer journeys is changing. Recent insight from the Financial Conduct Authority makes it clear that supervision is increasingly focused on how firms track outcomes across the full lifecycle, not just at the point of sale. The emphasis is on spotting risk earlier and acting before issues escalate into complaints, arrears or...
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20
May

When the FCA Intervenes: What Triggers Action and How Firms Should Prepare

May 20, 2026
Regulatory intervention rarely comes as a surprise to the FCA. By the time action is taken, the regulator will usually have built a view of the firm based on multiple data points. Recent publications from the Financial Conduct Authority highlight a clear shift towards earlier identification of risk and more targeted intervention where concerns begin...
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15
May

Misleading Promotions: What the FCA’s CMC Advertising Ban Means for Credit Firms

May 15, 2026
Recent action by the Financial Conduct Authority against claims management companies highlights a familiar issue. Misleading financial promotions remain a persistent concern. While the enforcement action focused on CMCs, the underlying message is much broader. The same risks exist across consumer credit, particularly in high-volume, digitally driven distribution models. For lenders, brokers and compliance teams,...
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13
May

The Growth of Alternative Lending in the North:

May 13, 2026
Why Manchester & Liverpool are Becoming Compliance Hubs. If you are a business owner or a compliance manager in the North of England, you may have noticed a major change in the financial landscape, with London no longer being the only place for serious lending. Rather, there has been a shift where Manchester and Liverpool...
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11
May

Why FCA Authorisation Applications Get Delayed or Refused

May 11, 2026
FCA authorisation is not designed to filter out weak applications. It is designed to test whether firms are ready to operate. For many new entrants, the challenge is not a lack of ambition or intent. It is the gap between how the business is described and how it would operate in reality. Recent messaging from...
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