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Latest News

23
Jun

Data Accuracy Is Becoming a Conduct Risk

June 23, 2026
For many years, data accuracy was viewed primarily as a compliance or operational issue. If customer records were inaccurate, credit reporting was inconsistent or information was missing, the consequences were generally considered through the lens of data protection, operational resilience or customer service. That position is changing. Increasingly, regulators are viewing poor data quality not...
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20
Jun

Consumer Duty Year 3: The FCA Wants Evidence, Not Assurance

June 20, 2026
Consumer Duty is entering a new phase. For many firms, the first two years have been focused on implementation. Frameworks have been built, policies updated, governance structures enhanced and management information developed. Boards have received their first annual reports and firms have invested significant time and resource in embedding the requirements across their businesses. The...
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18
Jun

Consumer Duty Board Reporting Season Is Here: How Firms Should Be Preparing Now

June 18, 2026
For many FCA-regulated consumer credit firms, the next annual Consumer Duty Board Report is now only weeks away. Last year’s reports were largely focused on implementation. Firms were establishing governance frameworks, developing management information and embedding the principles of Consumer Duty across their operations. This year is different. Recent commentary from the Financial Conduct Authority...
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16
Jun

Open Finance: Why Consumer Credit Firms Should Be Paying Attention Now

June 16, 2026
Open Finance may sound like a distant regulatory initiative, but consumer credit firms should not underestimate its significance. Recent announcements from the Financial Conduct Authority have set out a clear vision for the future of financial services, one built around greater consumer control of data, increased competition and improved financial decision-making. While the implementation of...
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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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