What the FCA’s Advice Review Means for Retail Finance – and Why It Matters for Vulnerability

Preparing for the FCA’s Potential Motor Finance Redress Scheme

On 5 June 2025, the Financial Conduct Authority (FCA) published a statement setting out key considerations for a possible consumer redress scheme relating to discretionary commission arrangements (DCAs) in motor finance.

UK Government Unveils Long-Awaited Regulation of Buy Now, Pay Later

The UK Government has formally announced the long-awaited legislation to regulate the Buy Now, Pay Later (BNPL) market, following sustained concerns over unchecked growth, consumer harm, and rising debt levels.

Consumer Duty Update

With the Consumer Duty now fully in effect, The Financial Conduct Authority (FCA) have introduced a range of proposals to simplify their rules, ease business burdens, and promote growth.

SPOTLIGHT ON OVERSIGHT

Oversight of any regulated firm requires an ‘engine room’ of activity.

SPOTLIGHT ON THE BACK OFFICE

When any firm decides to become FCA regulated, the weight of responsibility in delivering good customer outcomes requires an organised and coordinated team behind the scenes.