For more years than lenders care to remember, the topic of redress has been a live one. Redress events have led to significant redress programmes and even, in some cases, the failure of firms. This has led to operational challenges and some investors having a perception of a claims culture in the UK. But changes are on the horizon with consumer credit reform, reform of the FOS, developments before the Court (including so-called Omnibus Claims) and proposed wider reform of group litigation. So against that backdrop, redress: friend or foe?