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The Way in a Disruptive World

DATE  Thursday 1 November 2018 VENUE  The Nottingham Belfry Hotel, NG8 6PY OFFER Book 3 or more places to receive a 10% discount

LEADERSHIP  know the way TONE  go the way CULTURE  show the way Since the Financial Conduct Authority took over regulation of the credit arena in 2014, they have worked to ensure the fair treatment of consumers, from an industry offering responsible credit. The final part of their jigsaw is the introduction of the Senior Managers & Certification Regimes. We know that in 2019, they will focus heavily on leadership, tone and culture. 2018 however, has so far proved to be a year of unprecedented market disruption, so much so that we find ourselves asking:

  • is disruption the new norm?
  • is disruption a good thing for business and consumers?
  • should we be concerned, or embrace change?
  • what is the key to disruptive innovation?
  • are things likely to calm down in the near future?
  • what have we learnt about general disruption, and how can we take our new understanding forward, to meet SM&CR head on as tomorrow’s leaders?

Throughout the year, our political voice has been raised, to shape and promote access to credit for the nation, and stand against excessive controls which will impact negatively on consumers, lenders and potentially the UK economy. Our November conference will reflect on a turbulent year, and seek to answer questions raised. We will provide expert market analysis and advice, alongside a full review of the industry. See you there! WHO SHOULD ATTEND Credit grantors and brokers, and all other firms operating under the FCA regime, CEO’s, risk directors, proposed/approved persons and senior managers. INDUSTRY SECTORS All MORNING SPEAKERS

  • Jonathan Davidson: Director of Supervision, Retail & Authorisations – FCA Beyond Box Ticking: How today’s leaders can transform the culture and conduct of tomorrow
  • David Smith: Economics Editor – The Sunday Times Shocks, Surprises and Opportunities: The challenges keep coming – there will be winners and losers
  • Marc Ireland: Director, Risk Consulting/Financial Risk Management/Regulatory – KPMG Affordability and Creditworthiness: A customer view
  • Jeanette Burgess: Partner and Head of Regulatory Services – Walker Morris Presentation title to be announced
  • Financial Ombudsman Service: Speaker TBA Presentation title to be announced


  • Affordability & Credit Worthiness: where are we? This is the vexed question that no-one has the complete answer for, although we are seeing FOS accepting claims for unaffordability from consumers who completed all of their payments on time throughout the contractual period of the loan. FCA will be providing further guidance on affordability. What do we want to see? Moreover, what don’t we want to see? Is it too prescriptive rules that take access to responsible credit away from consumers? What are members concerns?The non-Banking sector of consumer credit is constantly receiving bad press on credit and affordability. What would you like see happening to protect the integrity of the sector and your business? Funding remains a real problem for many SME’s, with many funders moving away from nonstandard finance. What is your view?
  • CMC’s & FOS: why should we be worried? There is no doubting the impact that CMC’s are having on certain sectors. New PPI claims can only be made up to April next year but which sector is next? CMC’s run for cover under the protection of a solicitors cloak, and the tame regulation of the SRA. What action should the industry be taking? FCA regulation of CMC’s takes place in April 2019. what do we want to see? Is FOS working properly for the Industry?  What changes, if any, would we like to see?
  • Market Disruptors: what next for consumer credit? There is a political melting pot with BREXIT and the potential of a Corbyn led Government. Should the industry worry? What can we do to lessen any damage? Innovation and disruption in all areas within consumer credit are creating market turbulence. We will discuss those disruptors, and highlight the positives and negatives. In December 2019 SMCR will be in place, however current FCA regulation has integrity, leadership, and clarity at the core (tone and culture are complicit). The current 50% decay in the market since the FCA commenced regulation is still increasing. Do you have a sufficient horizon gaze to ensure your business is safe?

SCHEDULE Morning – 9.30 a.m. networking breakfast and registration. The morning will provide an industry overview, formatted around individual presentations and panel sessions. Speakers will include high level representatives covering regulation, the legal sector, and the economy. Aternoon – Following a networking lunch, the afternoon will split into sessions. Each will include a variety of relevant industry experts from consumer credit and a wider business landscape.  There will be open panel discussions, and a final summary with an additional Q & A opportunity before the event closes at approx. 4.50 p.m. Evening – Champagne Reception 7.00 to 7.45 p.m, followed by the dinner, until midnight. Dress code – black tie, lounge suit or evening dress Raffle – to be drawn before dinner.


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