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Latest News

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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08
May

What the FCA Expects from New Consumer Credit Firms

May 8, 2026
Getting authorised by the Financial Conduct Authority is not designed to be straightforward. That is deliberate. The FCA has been increasingly clear in its messaging to new entrants. Authorisation is not an administrative hurdle or a box-ticking exercise. It is a gatekeeping process designed to ensure that firms entering the market are capable of delivering...
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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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