Welcome to the latest issue of CCTA Magazine. We have updated its look and feel for 2024 so I hope you like the changes which have also improved readability. As is often the case with a new year, we have seen a flurry of regulatory activity and statements in recent months so there is a lot of content here. We have tried to cover all of the big announcements. Inside there are pieces on the FCA’s action in the motor finance market and the long-awaited review of the Consumer Credit Act.