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.

Motor finance redress: Certainty requires proportionate process

Published 09 December 2025

The CCTA has always been clear that real certainty for motor finance consumers will come from a straightforward, proportionate and well-designed redress scheme. That means rules that are finalised, understood, and operationally deliverable by all firms – including smaller, independent lenders that make up our sector. This is why we were surprised by the FCA’s announcement that the pause on handling motor finance complaints will now end on 31 May 2026, two months earlier than was consulted on. The FCA has suggested this will provide customers with greater certainty and finality. From our perspective, it risks doing the opposite.

CMC Update (2025-3)

Published 08 December 2025

The CCTA recognises the serious impact that poor CMC practices can have on our members. This publication provides an update on recent developments and issues that we have seen or heard about. It also details discussions that we are having with the Solicitors Regulation Authority (SRA), the Financial Conduct Authority (FCA) and the Information Commissioner’s Office (ICO).

Year in Review: 2025

Published 04 December 2025

We closed 2024 at pace and then came out firing on all cylinders at the start of the year. Regulatory expectations continued to grow, the economic environment remained challenging, and several major policy interventions reshaped the operating landscape. Throughout all of this, the CCTA has prioritised clarity, proportionality, and the voice of smaller firms.

CCTA Magazine: 2025 Issue Three

Published 10 November 2025

The ongoing consultation on the proposed motor finance redress scheme features prominently throughout this edition. Our CEO, Jason Wassell, shares insights on why the wider sector should be paying close attention. You’ll also find contributions from associate members offering their perspectives on how lenders can best prepare.

CCTA Roundtable: FCA Consultation – motor finance commission complaints

Published 16 October 2025

The session addressed the key proposals in the FCA’s consultation on redress and highlighted areas of particular importance for CCTA members. We also listened to member’s issues and concerns around the proposals. Attendees also had the opportunity to engage in a Q and A session with our panel of speakers.

CCTA Inform: Autumn 2025

Published 16 October 2025

CCTA Inform is an essential ‘easy read’ publication, exclusively available to members. This issue covers April 2025 to September 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.

CCTA Conference: 2025 photos

Published 09 October 2025

This collection of photos from our 2025 Annual Conference highlights our keynote speakers, presentations and panels, as well as photos of our sponsors, exhibitors – and of course, delegates.

CCTA Conference: 2025 brochure

Published 09 October 2025

Since our last conference, the consumer credit sector has continued to face a period of sustained regulatory change. A review of the Consumer Credit Act is now underway. Any changes to a 50-year-old piece of legislation will have an impact on the market and how we interact with our customers. There’s plenty happening elsewhere too, with a review of the Financial Ombudsman Service and mass redress events, the ongoing issue of motor finance commission complaints and Deferred Payment Credit (BNPL) also coming under FCA regulation next year.