CCTA Agreements

Published 01 January 2025

Our full suite of agreements and statutory documents are available in hard copy format. CCTA members are able to purchase the electronic format and also receive discounted prices. Browse our CCTA Agreements brochure to find out more.

CCTA Academy

Published 01 January 2025

CCTA Academy is an online learning and development platform that is is built on the experience and insights of our members. With a specific focus on consumer credit compliance, CCTA Academy provides tailored online compliance training modules at both staff and manager levels. It also accommodates ongoing learning and development opportunities through regular ‘live learning’ sessions from the CCTA team. Browse our CCTA Academy brochure to find out more.

CCTA Membership

Published 01 January 2025

The CCTA is one of the oldest trade associations in the UK. We seek to shape a single voice that represents our industry on the wide range of issues it faces. Our member services include events, communications, assistance and guidance. Browse our CCTA Membership brochure to find out more.

An update on motor finance

Published 19 December 2024

Access to credit has always been central to the work of the CCTA since it was founded over 130 years ago. We have a long-standing project to protect access to responsible credit for customers that often struggle to borrow elsewhere. In recent months, we have seen a greater interest in access to credit and financial inclusion from a range of external stakeholders which as been encouraging.

CCTA Inform: Winter 2024

Published 17 December 2024

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

Borrowing and spending at Christmas

Published 15 December 2024

At this time of year, there are always stories about how people plan to pay for Christmas. Costs can quickly add up between presents, family expectations, extra travel, and hosting. Combined with the cost-of-living crisis currently facing many, it can be an expensive time of year.

Winter 2024

Published 11 December 2024

We discussed changes in motor finance as well as the newly released consultation from the FCA and FOS on modernising the redress scheme. We were also be joined by Peter Tutton, Head of Policy at StepChange Debt Charity. Lastly, we looked further down the track to discuss what else we expect to see in 2025.

Year in Review: 2024

Published 05 December 2024

Much of our activity is about helping our members understand the regulatory environment in which they operate, especially the regulators’ expectations. In 2024, we delivered that through the conference, summits, roundtables, and workshops we ran. This equated to fifteen events in total, sitting alongside twenty-two publications and updates.

Motor finance – November 2024

Published 24 November 2024

In this session, we updated on FOS complaint figures and the Court of Appeal decision. We considered how to engage with dealers, and the role of Appointed Representatives. We looked into the FCA lender survey and fines. Lastly, we talked about the Policy Statement on the extension of the pause issued by the FCA.

FCA engagement

Published 13 November 2024

The FCA’s oversight of regulated consumer credit firms is at an all-time high. The regulators ongoing scrutiny of regulated consumer credit firms stems their focus areas around conduct, Consumer Duty and vulnerable customers (to name a few). This event was suitable for Board-level Directors and Senior Managers.

Motor finance – Court of Appeal

Published 11 November 2024

The fallout from the Court of Appeal decision continues. Many major motor finance lenders and trade associations, including the CCTA, continue to liaise with the FCA, HM Treasury, the Financial Ombudsman Service (FOS) and legal firms.

Movement on access to credit

Published 08 November 2024

Access to credit has always been central to the work of the CCTA since it was founded over 130 years ago. We have a long-standing project to protect access to responsible credit for customers that often struggle to borrow elsewhere. In recent months, we have seen a greater interest in access to credit and financial inclusion from a range of external stakeholders which as been encouraging.