The Supreme Court’s decision in Johnson came as a welcome relief for lenders and dealers. But the FCA’s broad announcement two days later of its proposal to consult on a redress scheme reintroduced uncertainty and concern. In this short talk, we’ll consider the new rules of engagement for lenders, brokers, and intermediaries. We’ll also talk about what this means for commission disclosure, fiduciary duties, and unfair relationships. We will also look at what to do next: how you should decode its implications for your business, and map out the concrete steps you should be taking now. Expect practical insights, strategic takeaways, and a clear view of what you should be doing now to prepare for the road ahead.