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Latest News

05
Apr

FCA Supervision Enquiries: How to Respond to the FCA Without Risking Your License.

April 5, 2026
Affordability is back under the spotlight. For consumer credit lenders and brokers, it has always been a core requirement. But in 2026, expectations are tightening, and scrutiny is increasing. The Financial Conduct Authority is looking more closely at how firms assess affordability in practice, not just how those processes are described on paper. This shift...
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30
Mar

FCA Supervision Enquiries: How to Respond to the FCA Without Risking Your License.

March 30, 2026
For any consumer credit business, receiving a supervision enquiry from the Financial Conduct Authority (FCA) can be a stressful and overwhelming experience.  Although these types of requests are a standard part of the regulatory oversight, how you respond to a request can determine whether the matter is closed immediately or escalated to a formal investigation....
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28
Mar

Why ICO Scrutiny of Lead Generation Puts Credit Firms at Risk

March 28, 2026
Lead generation has become a central growth engine for many consumer credit firms. From affiliate networks and introducers to digital comparison platforms and social media campaigns, the modern distribution model is increasingly data-driven and externally sourced. But as marketing sophistication has grown, so too has regulatory scrutiny. The Information Commissioner’s Office continues to focus heavily...
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24
Mar

Why Credit Advertising Is Back Under the Microscope

March 24, 2026
Financial promotions are moving back to the top of the regulatory agenda. For consumer credit lenders, brokers and introducers, 2026 is shaping up to be a year of increased scrutiny on how credit products are advertised, explained and distributed. The Financial Conduct Authority and Advertising Standards Authority are continuing to work closely together, and the...
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21
Mar

Distribution Chains Under the Spotlight

March 21, 2026
What Credit Brokers and Lenders Must Get Right in 2026 Distribution risk is firmly back on the regulatory agenda. For consumer credit lenders and brokers, the Financial Conduct Authority has sharpened its focus on how firms oversee introducers, brokers and third-party partners. The message is increasingly clear: firms are responsible not only for their own...
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18
Mar

Data Governance Is Now a Conduct Risk

March 18, 2026
How FCA and ICO Expectations Are Converging Data has traditionally been viewed as an operational or technical issue. Something for IT, legal or data protection teams to manage in the background. That position is no longer sustainable. Across UK financial services — and particularly within consumer credit — data governance has rapidly evolved into a...
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14
Mar

Consumer Duty 2026: The FCA’s Next Phase of Supervision Has Begun

March 14, 2026
The implementation phase of Consumer Duty is over. What we are seeing now is something more probing, more data-driven and significantly more outcomes-focused. For consumer credit firms, the message from the Financial Conduct Authority is clear: the FCA is no longer asking whether firms have implemented the Duty — it is asking whether customers are...
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11
Mar

Complaints, Redress and Reputation

March 11, 2026
Why FOS Trends Are Now a Board-Level Risk for Consumer Credit Firms Complaints are no longer just an operational metric. Across the consumer credit sector, the volume, value and complexity of complaints reaching the Financial Ombudsman Service (FOS) has shifted them firmly into the territory of board-level risk. For directors, compliance leaders and operations teams,...
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07
Mar

BNPL Regulation Is Coming Fast

March 7, 2026
Firms Should Already Be Preparing for FCA Authorisation The countdown to buy now pay later regulation has begun!! From July 2026, much of the UK’s BNPL market will move fully into the FCA regulatory perimeter. For firms currently offering, partnering on or planning to introduce BNPL products, this is not simply another regulatory update —...
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