Horizon Scan: 2026 Edition

Published 16 February 2026

Following our Horizon Scan Roundtable, we are writing to share an accompanying document that provides a comprehensive summary of the key regulatory changes expected to come into effect over the next year. Given the pace and scope of upcoming reforms, we have consolidated the most relevant developments into a single, practical overview to support your planning, compliance, and strategic decision-making.

Looking ahead to 2026: Key regulatory developments for consumer credit

Published 11 February 2026

The regulatory landscape for consumer credit continues to evolve, with several significant policy and supervisory developments expected through 2026. While not all changes will take effect immediately, the coming year will be important in shaping the future framework for how consumer credit is regulated in the UK. At a recent CCTA event, we highlighted some of the key developments on the horizon and what they may mean for lenders, consumers and the wider market.

Horizon Scan (2026)

Published 05 February 2026

The session covered anticipated developments in the regulation of BNPL, the Consumer Credit Act review, and ongoing work to improve access to credit. We also explored the Credit Information project and forthcoming steps in the motor finance sector. Attendees heard insights into the FCA’s strategy and areas of supervisory focus.

Horizon Scan (2026)

Published 05 February 2026

The session covered anticipated developments in the regulation of BNPL, the Consumer Credit Act review, and ongoing work to improve access to credit. We also explored the Credit Information project and forthcoming steps in the motor finance sector. Attendees heard insights into the FCA’s strategy and areas of supervisory focus.

Managing CMC Authority, Data Protection and Fraud Risk

Published 21 January 2026

From time to time, we provide our members with updates on complaints and claims management activities. Those of you that have attended our recent events will have heard us talk about the trending issues and concerns that we are seeing from claims management firms. We have put together a guidance paper for members which highlights these issues and provides further insights into the work we have been doing to address these, including our discussions with regulators.

Financial inclusion: Why it must include access to regulated credit

Published 15 January 2026

The Consumer Credit Trade Association (CCTA) has recently submitted evidence to the Treasury Select Committee as part of its call for views on the Government’s Financial Inclusion Strategy. This paper sets out the key points from our submission. We represent smaller, specialist and alternative consumer credit lenders across the UK. Our members serve people who are often shut out of mainstream bank lending – including those with variable or insecure incomes, thin or impaired credit histories, and non-standard or self-employed work patterns.

CMC Proposals

Published 15 January 2026

We have recently engaged in discussions with the FCA, SRA and the ICO, where we have highlighted the above concerns and proposed measures that members can take to counter them. This roundtable provided an update on discussions with the regulators and highlight proposals that firms may wish to consider to reduce the impact of the aforementioned issues.

CMC Proposals

Published 14 January 2026

We have recently engaged in discussions with the FCA, SRA and the ICO, where we have highlighted the above concerns and proposed measures that members can take to counter them. This roundtable provided an update on discussions with the regulators and highlight proposals that firms may wish to consider to reduce the impact of the aforementioned issues.

CCTA Inform: Winter 2025

Published 16 December 2025

CCTA Inform is an essential ‘easy read’ publication, exclusively available to members. This issue covers October 2025 to December 2025. During this period, we have collected details of legislation, regulatory updates and other announcements that may be of interest. Members should also ensure they are subscribed to our weekly CCTA Update email to be kept up to date with the latest industry news.

Winter 2025

Published 15 December 2025

Kate Pender, Chief Executive of Fair4All Finance, discussed the government’s National Financial Inclusion Strategy. CCTA provided an update on the motor finance redress scheme consultation, including the latest discussions with the regulator and closed with a summary of our work and strategic priorities across key areas.

CCTA Summit: Winter 2025

Published 15 December 2025

Kate Pender, Chief Executive of Fair4All Finance, discussed the government’s National Financial Inclusion Strategy. CCTA provided an update on the motor finance redress scheme consultation, including the latest discussions with the regulator and closed with a summary of our work and strategic priorities across key areas.

CCTA Year in Review 2025: Progress, pressure, and purpose

Published 09 December 2025

As 2025 draws to a close, it is worth stepping back to take stock of a year that has tested our sector – but also demonstrated its resilience, purpose, and adaptability. For the Consumer Credit Trade Association, this has been a year defined by intense regulatory scrutiny, a rapidly shifting political landscape, and the continued importance of smaller lenders in supporting financial inclusion across the UK. Despite the challenges, our work together has delivered real impact. Below is a look back at the themes and milestones that shaped the past twelve months, and a sense of what lies ahead.