CCTA Update: Summer catch-up with the FCA and FOS

Published 19 August 2026

While there have been very few regulatory announcements, it has been a useful week for regulatory engagement. Our meetings with both the FCA and the Financial Ombudsman Service gave us the opportunity to discuss issues currently affecting members and the wider direction of the credit market.

CCTA 2026 Conference: Five reason to join us

Published 18 August 2026

The CCTA 2026 Conference brings together the people shaping the future of consumer credit. Here are five reasons to join us on 6 October.

CCTA 2026 Conference: Keynote speaker announced

Published 13 August 2026

Financial exclusion is rising, while access to mainstream credit is narrowing, yet reliable rental payments are still often missing from the data used to assess creditworthiness.

CCTA Update: FOS sets out next phase of service reforms

Published 12 August 2026

The big development this week is the Financial Ombudsman Service’s announcement of the next phase of its service reforms. For some of you, the FOS is a big part of your world, and you will know its processes well. Others may have relatively little contact with it, but things can change quickly.

CCTA Conference spotlight: The issues shaping consumer credit

Published 11 August 2026

This year’s conference explores the key regulatory, legal and strategic issues shaping consumer credit, including Consumer Duty, motor finance, Consumer Credit Act reform, financial inclusion, artificial intelligence and access to credit. Across six focused sessions, delegates will gain practical insight into the challenges facing the sector and the steps firms can take to prepare for the future.

CCTA Workshop: Employments Right Act

Published 10/08/2026

The Employment Rights Act 2025 introduces the most significant changes to UK employment law in a generation, with major implications for HR practices, workplace policies, employment contracts, and general risk management.

CCTA 2026 Conference: Keynote speaker announced

Published 06 August 2026

The FCA’s latest review of outcomes monitoring sets a clear benchmark for firms under the Consumer Duty. This keynote will explore the regulator’s examples of good and poor practice, from meaningful outcome definitions, thresholds, and governance to weaknesses such as high-level MI, overuse of operational MI and limited evidence of customer impact.

CCTA Update: FCA reporting reforms and industry developments

Published 05 August 2026

The FCA has announced final changes to the UK transaction reporting regime, with the reforms expected to reduce firms’ reporting costs by more than £100 million a year. The new rules aim to simplify reporting requirements by removing duplicative or low-value reporting while ensuring the FCA continues to receive high-quality data.

CCTA Magazine: 2026 Issue Two

Published 30 July 2026

Welcome to the latest edition of CCTA Magazine. The pace of change across consumer credit shows little sign of slowing as we move into the second half of 2026. This edition explores many of the issues shaping that landscape.

CCTA Update: FCA targets CMCs as regulatory focus intensifies

Published 29 July 2026

This week has been another reminder that consumer credit remains firmly in the regulatory spotlight. The FCA has launched a national advertising campaign encouraging consumers not to use CMCs when making motor finance complaints. The message is clear: consumers can complain directly, free of charge. We welcome this initiative.

CCTA 2026 Conference: FCA keynote speaker announced

Published 28 July 2026

We are pleased to announce Alison Waters as our FCA keynote speaker for the CCTA 2026 Annual Conference. Alison is responsible for the supervision and policy of consumer credit firms.

CMCs: Key developments in the sector

Published 28 July 2026

We welcome the FCA’s focus on concerns relating to claims management activity. The Association has been briefed on an advertising campaign running until 6 September, which aims to help motor finance customers feel confident about complaining directly to their lender, without paying a claims management company or law firm.