Square 4 opened things in style, demonstrating how AI-enabled assurance can improve outcomes testing under Consumer Duty – a powerful reminder of how tech is reshaping oversight.

StepChange & Evlo’s collaboration showcased how partnerships in the sector can reduce friction and boost customer outcomes.

The FCA keynote provided a lens into the regulator’s priorities for consumer finance. Mark Burns talked about how much attention they’re placing on bridging innovation and consumer protection. It also good to hear from HM Treasury on their upcoming priorities for reform.

The Regulatory Panel did a fantastic job unpacking proposed reforms to the Consumer Credit Act, the FOS, and how to tackle motor finance commissions.

Walker Morris’ talk on “Johnson, commissions and compliance” helped ground the theoretical debates in the practical steps firms should be considering now.

Plain Numbers talked about simplifying communication to improve customer understanding. We heard how small changes can deliver real differences in customer outcomes.

The session by Equifax on “CATO unlocked” stood out: enhanced data sources are powerful — but only if firms pair them with intelligent decisioning frameworks.

The Technology & Innovation Panel pushed us to think about ethical AI and data transparency.

VRPs took centre stage via Acquired.com & Moneyline – an area to watch closely for how it transforms collections and customer experience.

The FOS session on modernising redress was a reminder that regulatory and structural reform is ongoing – and firms must stay agile.

• Championing access to credit – working to ensure consumers continue to have access to fair, responsible credit products, particularly those who are financially vulnerable or underserved. We’ll continue to make the case for proportionate regulation that balances consumer protection with market sustainability.
• Driving the conversation on regulatory reform, engaging with the FCA, Treasury, and wider industry on the evolution of the Consumer Credit Act and FOS reform – ensuring members’ voices shape the future framework.
• Expanding our focus on technology and data ethics, helping members navigate the rapid rise of AI, data-driven decisioning, and automation – with practical guidance on responsible innovation.
• Supporting better consumer outcomes by developing new tools and insights for members to share best practice under Consumer Duty.