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.

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.