Non-Financial Misconduct

Published 26 May 2026

Non-Financial Misconduct (NFM) requirements come into effect on 1 September 2026. From this date, the FCA expects financial services firms to pay due regard to NFM and have in place adequate policies, procedures and processes to address NFM where it arises.

CCTA Roundtable: Non-financial Misconduct

Published 26 May 2026

From September 20026, the FCA brings in new requirements around non-financial misconduct (NFM) in financial services. This roundtable covered the key points firms need to understand around addressing NFM. We also provided a short guidance paper to support firms with the new expectations.

CCTA Roundtable: Non-financial Misconduct

Published 26 May 2026

From September 20026, the FCA brings in new requirements around non-financial misconduct (NFM) in financial services. This roundtable covered the key points firms need to understand around addressing NFM. We also provided a short guidance paper to support firms with the new expectations.

Learning that works for smaller firms

Published 18 May 2026

Smaller lending firms are expected to meet high regulatory standards, often with far fewer people, systems and specialist teams than larger firms. Roles overlap. Time is limited. Judgement matters. That is why learning cannot be treated as a box-ticking exercise. It has to help people make sound decisions in real situations, with the information available at the time.

FCA perimeter report: Why it matters for consumer credit and CCTA members

Published 13 May 2026

The publication of the FCA’s latest perimeter report is an important reminder that regulation is not only about the rules inside the system, but also about the growing areas outside it. The report examines the boundary between activities regulated by the FCA and those that sit outside its remit.

Catalyst Conference (2026)

Published 08 May 2026

Catalyst focused on the growing use of artificial intelligence in financial services, alongside key issues such as data security and emerging technologies. These topics were of critical importance to firms operating across the financial services sector, particularly as technological innovation continues to accelerate and reshape business models and regulatory expectations.

SM&CR Reforms: Guidance for members

Published 07 May 2026

Members will be aware that last year, the government and the FCA consulted upon changes to the SM&CR. On 22 April, the FCA’s issued its Policy Statement following the consultation. The changes to SM&CR are being implemented in two phases.

A sea change: The changing landscape of UK politics and why it matters

Published 04 May 2026

The UK’s political landscape is becoming more fragmented and dynamic. While British politics has historically been dominated by two major parties, recent elections and shifting voter preferences suggest a broader change in the political environment. Alternative political movements are gaining traction, and policy debates are increasingly shaped by issues such as economic fairness, financial resilience and household debt.

Paving the way: Credit information reform and the CIGB

Published 08 April 2026

The UK credit system relies heavily on the effective sharing of information. Every lending decision – whether for a credit card, motor finance agreement or small-sum instalment loan – depends on data flowing through a network of credit reference agencies, lenders and technology providers. That system has evolved over decades and, in many ways, it works well.

Challenging terrain: Motor finance redress and the AR consultation

Published 27 March 2026

As we approach the end of the first quarter of 2026, the regulatory landscape remains characteristically demanding. Members are navigating a range of initiatives relevant to their sectors, but I would like to highlight two particularly significant matters that the CCTA is actively addressing.

AI, access and accountability: What the Mills Review means for consumer credit

Published 26 March 2026

Artificial intelligence is moving rapidly from experimentation to infrastructure in retail financial services. The FCA’s Mills Review provides a timely opportunity to consider what that shift means in practice – for consumers, firms, and the future shape of the credit market.

The CIGB: Why it matters for lenders

Published 26 March 2026

The Credit Information Governance Body (CIGB) is one of the most significant structural changes to the UK’s credit information system in many years. While it may sound technical, its impact could be far-reaching for lenders, regulators and consumers.