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Latest News

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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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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