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Latest News

15
Apr

DSARs, Complaints and Data Risk: Why Firms Are Still Getting This Wrong

April 15, 2026
Data subject access requests (DSARs) are no longer just a data protection issue. Across consumer credit firms, DSARs are increasingly overlapping with complaints, regulatory scrutiny and wider conduct risk. What was once seen as an operational or legal process now sits much closer to the heart of governance and customer outcomes. Both the Information Commissioner’s...
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14
Apr

Consumer Duty in 2026: What New Businesses Must Prove During Their FCA Application.

April 14, 2026
The standard for FCA (Financial Conduct Authority) authorisation in the consumer credit sector has shifted. In 2026, the FCA has moved from an implementation phase to an embedding phase.  This means that instead of showing policy documentation and models of why your interest rates are fair, you need to prove that your systems are a...
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09
Apr

Collections, Arrears and Vulnerability: Where Firms Are Now Being Tested

April 9, 2026
Collections is becoming one of the clearest indicators of Consumer Duty in practice. Across the consumer credit sector, the Financial Conduct Authority is increasingly focused on what happens after the point of sale. While affordability and onboarding remain important, supervisory attention is shifting towards how firms manage customers in financial difficulty and how outcomes evolve...
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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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