CCTA Update: Shaping the future of consumer credit

Published 03 June 2026

Access to credit and financial inclusion have been prominent themes in recent weeks, including at the FCA’s Access to Credit Summit, held in partnership with Fair4All Finance, which I attended yesterday. It was encouraging to see growing recognition across policymakers, regulators and stakeholders that financial inclusion cannot be viewed solely through the lens of savings, banking and debt advice.

CCTA 2026 Annual Conference: Booking now open

Published 02 June 2026

The CCTA Annual Conference remains a recognised “date for the diary” within the consumer credit sector, bringing together lenders, regulators, professional services, and industry stakeholders for a day of insight, discussion, and networking.

CCTA Update: Fresh FCA guidance and FOS complaint figures

Published 27 May 2026

Despite the bank holiday weekend, we have continued to see regulatory developments relevant to members this week. The FCA has updated its guidance for firms dealing with paused motor finance complaints. This remains an important area for firms involved in motor finance and related activities, particularly as the wider legal and regulatory position continues to evolve.

CCTA Guidance: 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 Update: CCA reform: Significant next steps announced

Published 20 May 2026

This week has brought several significant regulatory developments, most notably the government’s next steps on reforming the Consumer Credit Act (CCA). The CCTA team met with HM Treasury yesterday for a direct briefing and to provide immediate feedback.

CCTA Roundtable: Non-Financial Misconduct – last chance

Published 14 May 2026

From September 20026, the FCA brings in new requirements around non-financial misconduct (NFM) in financial services. To align non-banks with standards in banking firms, firms will be expected to consider NFM for employees in financial services roles.

CCTA Update: Consumer Duty is far from over

Published 13 May 2026

At the close of last week, the FCA confirmed that legal challenges have now been brought against the proposed motor finance compensation scheme – introducing a new level of confusion.

2026 Annual Conference: Save the date

Published 11 May 2026

This year’s agenda will explore the key developments shaping the sector, including regulatory reform, Consumer Duty, motor finance, financial inclusion, complaints and redress, technology and AI, and the evolving expectations of firms operating in a changing market.

FCA motor finance: Keep going but plan for no scheme

Published 08 May 2026

The FCA’s latest update confirms that the motor finance compensation scheme remains subject to legal challenge, but firms should continue preparing for implementation while also planning for the possibility of a complaint-led alternative if the scheme is delayed, changed or quashed.

FCA motor finance redress scheme: Associate support

Published 07 May 2026

In light of the FCA’s commission redress scheme, and following our motor finance roundtable in April, members expressed interest in hearing about products and services provided by associate members, which can assist with aspects of the redress scheme. As such, we have compiled a brochure of products and services from our associate members.

CCTA Guidance: SM&CR Reforms

Published 07 May 2026

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

CCTA Update: FCA redress scheme faces legal tests

Published 06 May 2026

This week has seen significant developments across the regulatory landscape, most notably the FCA’s motor finance redress scheme, which is facing multiple legal challenges from both lenders and a consumer group.