Schedule - CCTA

https://www.ccta.co.uk/wp-content/uploads/2026/03/intro-web.png

Introduction

11:05 AM

Jason Wassell
Chief Executive, CCTA

Jason set the scene by outlining the current regulatory and market environment, with a focus on access to credit, financial inclusion, and the pressures facing smaller lenders. He framed the day around the need for proportionality, regulatory clarity, and a sustainable, diverse credit market.

https://www.ccta.co.uk/wp-content/uploads/2026/03/AI-web.png

Beyond the hype: Practical, ethical and regulated AI

11:15 AM

John Reynolds
Audit, Risk & Compliance Director, Lantern Group

This session focused on the practical application of AI within a regulated lending environment, moving beyond theory to real-world implementation. Drawing on Lantern Group’s experience, John outlined the tools they have tested, the value being delivered, and how AI is being used to enhance operational performance and customer outcomes.

The session also emphasised the importance of strong guardrails to ensure AI adoption supports trust and accountability rather than undermining it.

https://www.ccta.co.uk/wp-content/uploads/2026/03/ico-web.png

ICO update: Data protection priorities for consumer credit

11:45 AM

Andrew Thomsen
Group Manager, Information Commissioner’s Office

Andrew discussed the practical implications of the Data (Use and Access) Act for consumer credit firms, including how it is expected to reshape data governance, record-keeping, and day-to-day compliance.

Looking ahead, the session explored how data protection requirements interact with wider regulatory expectations, including alignment with the FCA and FOS, helping firms understand how to meet evolving standards without creating unnecessary operational.

https://www.ccta.co.uk/wp-content/uploads/2026/03/landscape-web.png

AI, data and accountability: Navigating the new landscape

12:15 PM

This panel examined the opportunities and risks of AI and advanced data use in credit. Discussion focused on customer outcomes, and regulatory expectations, alongside the practical challenges for firms adopting these technologies.

Matt Drage
Director, Technology Solutions, Square 4
Declan Santucci
Director of Responsible Innovation & Regulatory Development, GAIN Credit
Sheraz Afzal
Chief Legal, Risk & Compliance Officer, Quint Group

https://www.ccta.co.uk/wp-content/uploads/2026/03/cigb-web.png

What the CIGB means for lenders

1:50 PM

Catherine Routh
General Manager, CIGB

Catherine outlined developments in credit information governance, including the role of the newly formed CIGB and implications for lenders. The presentation touched on data sharing, governance frameworks, and potential impacts on smaller firms.

https://www.ccta.co.uk/wp-content/uploads/2026/03/data-panel-web.png

The evolution of credit information

2:30 PM

This panel explored how credit data is evolving, including new data sources and changing roles within the ecosystem. It also considered implications for risk assessment, financial inclusion, and maintaining fair access to credit.