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Latest News

08
Jan

How to Conduct Root Cause Analysis

January 8, 2026
Root cause analysis is usually requested because fixing an outcome is not enough, and a firm is expected to explain why an issue occurred and whether the same issue could happen again. If you have been asked to carry out a root cause analysis and are unsure what is expected, that uncertainty is common, as...
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12
Dec

How to Deal With Subject Access Requests

December 12, 2025
With UK GDPR (General Data Protection Regulation) being a continual priority and the importance it plays in protecting individuals’ data, when you receive a subject access request, it can be daunting, stressful, and complex. This is particularly true if you’re a new company or if it’s the first time you’ve handled a subject access request. ...
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12
Dec

The January Risk Spike

December 12, 2025
How Credit Firms Should Prepare Now Every year, the pattern repeats itself. December is busy, noisy and commercially intense, but January is where the real pressure lands. Borrowing slows, reality bites, and customers begin to feel the consequences of decisions made during the festive period. For consumer credit lenders, brokers and digital credit platforms, January...
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10
Dec

Festive Marketing and Financial Promotions

December 10, 2025
Don’t Let Creativity Breach the Rules Every Christmas, something strange happens in financial services. The tone softens, the marketing brightens, and suddenly even the most regulated firms feel the pull toward “seasonal creativity.”  It’s understandable — December is busy, competitive, and emotionally charged. But it’s also a month where the FCA sees a marked rise...
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03
Dec

Preparing for the Next Wave

December 3, 2025
How the FCA’s Supervision Intensity in Consumer Credit Is Evolving Over the past year, the FCA has made one point unmistakably clear: supervision in the consumer credit sector is becoming more assertive, more data-driven, and far more targeted. For lenders and brokers, this marks a shift away from reactive oversight and toward a model where...
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29
Nov

Digital Lending Platforms 2025

November 29, 2025
What Senior Managers Need to Know About the FCA’s Next Phase of Oversight Digital lending is no longer a specialist corner of consumer credit — it is becoming the default. Customers expect rapid access, frictionless onboarding and decisions delivered in seconds rather than hours. For firms, this shift offers scale, efficiency and competitive advantage. But...
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26
Nov

Distribution Chains & the Consumer Duty

November 26, 2025
How Brokers and Lenders Jointly Manage Responsibilities The Consumer Duty has pushed every firm in the consumer credit market to rethink what “good outcomes” truly mean in practice. For lenders and brokers, one of the most challenging areas remains the management of distribution chains — an ecosystem that often involves multiple intermediaries, digital partners, introducers,...
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26
Nov

ICO’s Consultation on Data Protection Complaints Process

November 26, 2025
What Consumer Credit Firms Need to Know In 2025, the ICO launched a consultation proposing significant changes to how data protection complaints must be handled.  For consumer credit firms—where customer interactions are constant, data flows complex, and complaints frequently overlap with credit decisions—these changes carry both opportunity and risk.  In this blog, we explain the...
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26
Nov

ICO’s Data Protection Audit Framework & the DUAA

November 26, 2025
What consumer-credit firms must do (and how to show it) The ICO’s Data Protection Audit Framework (published October 2024) gives firms a practical checklist and audit trackers for assessing data-protection maturity across nine control areas. For consumer-credit firms — who process large volumes of highly sensitive personal and financial data across origination, servicing and collections...
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