CCTA Conference: 2025 presentations

Published 09 October 2025

In 2025, we discussed growth and innovation, along with key issues such as financial inclusion, the FCA’s Consumer Duty and motor finance commissions. The FCA, FOS and HM Treasury also took part in this year’s event. EVLO and StepChange Debt Charity delivered a presentation on delivering better customer outcomes. Square4 and Walker Morris also shared their insight and expertise.

Finding the balance: FOS reform that is fair, predictable and sustainable

Published 01 October 2025

Reform of the financial redress system is long overdue. It is something that the CCTA has campaigned for over the years. We are pleased to see progress and plans for further changes. However, if change is to last, it must be sustainable for all types of firms. One that also balances the interests of consumers and firms. For the industry, this means designing rules that not only suit the very largest, but also reflect the pressures faced by smaller lenders.

CCTA Magazine: 2025 Issue Two

Published 30 July 2025

We have contributions from both our headline sponsors Walker Morris LLP and Square4, along with panel sponsor Aryza. We also have a feature article from StepChange Debt Charity who will be presenting with CCTA member Evlo at this year’s conference.  It is also great to have a feature from Plain Numbers, an organisation working on how to better communicate numbers and improve customer understanding. Elsewhere, there is still a lot of regulatory change in flight so we have articles on the current review of the Consumer Credit Act and the FCA’s plans for regulating the Buy-now Pay-later sector.

CCTA Summit: Summer 2025

Published 14 July 2025

The FCA discussed their approach to the emerging use of AI, as well as considerations for firms. Shannon Faulkner, Consultant at Auxillias, covered how firms should approach the adoption of AI, including practical considerations and integration. CCTA provided an update on the regulatory horizon and the association’s work in key areas.

How does the PSD request sit with the FCA’s five-year strategy?

Published 28 May 2025

The Financial Conduct Authority (FCA) has boldly committed to smarter regulation, promising to reduce burdens on firms and improve its use of data. However, with new product sales data reporting now on the table for thousands of consumer credit firms, some are asking whether the FCA’s actions match its words. We think there is still time for change.

CCTA Inform: Spring 2025

Published 24 April 2025

CCTA Inform is an essential ‘easy read’ publication, exclusively available to members. This issue covers December 2024 to March 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.

CMC Update (2025-2)

Published 22 April 2025

We anticipated that the run-up to the introduction of charging for Claims Management Companies (CMCS) would present challenges, and that’s proving true. Several CCTA members have raised concerns about two particular firms. Before addressing those two specifically, we want to provide an update on some wider issues arising during the transitional period, as Professional Representatives (PRs) become subject to the new Financial Ombudsman Service (FOS) case fee regime.

FCA vulnerability review

Published 15 April 2025

The FCA has carried out a review of firms’ treatment of customers in vulnerable circumstances. Firms across the financial services spectrum were contacted and asked to provide data and information to assist the regulator’s review. Ultimately, their review focused on evaluating firms’ actions in line with ‘FG21/1: Guidance for firms on the fair treatment of vulnerable customers’, which has been in place since 2021. On 7 March 2025, the FCA published the findings of their review, along with the associated consumer research.

CCTA Magazine: 2025 Issue One

Published 08 April 2025

Welcome to the first 2025 edition of CCTA magazine. It’s fair to say that this will be another big year for the alternative lending market! There are lots of projects underway. On the regulatory side, a review of the Consumer Credit Act is progressing and plans for the regulation of Buy-now Pay-later products are expected from HM Treasury soon.

Illegal money lending awareness

Published 01 April 2025

This Live Learning event will raise awareness of illegal lending schemes and the potential impact and consequences of borrowing from loan sharks. The session is aimed at all staff levels and will help firms understand and identify signs of victims of illegal money lending when dealing with their customers. This content can be accessed by logging into CCTA Academy.

CCTA 2025 Vigilance Conference

Published 31 March 2025

The event covered issues including fraud, cyber security, illegal lending and money laundering. These are themes of real importance to any firm operating in alterative credit, particularly at a time when developments in technology are increasing in pace. Attendees heard from a range of speakers and panellists on these topics.

Motor finance (2025-2)

Published 27 March 2025

As many of our motor finance members will know, we are in a regular process of holding roundtable sessions and reporting back on these approximately six weeks later. Our last roundtable was held on 5 February 2025, and we are now reporting back on those discussions both for clarity, and for those members that were unable to attend due to other commitments. The session was hosted by Mike Deans of Borderway Finance and included Naveed Asif Head of Policy & Advice (CCTA), Russell Kelsall Partner, Head of Consumer & Motor Finance (Walker Morris), Dan Simpson, Head of Compliance (Marsh Finance) and Jason Wassell, CEO (CCTA).