CCTA Update: From Parliament to the FCA – this week’s conversations

Published 17 June 2026

I’m delighted to have got down to London at the start of this week for a couple of parliamentary events, coffee with a member and a presentation to our friends at the British Vehicle Rental and Leasing Association. There were also significant developments emerging across regulation, enforcement, financial inclusion and technology.

CCTA Update: Access, AI and motor finance – a week in regulation

Published 10 June 2026

This week has provided another useful insight into the FCA’s current priorities and direction of travel. One of the most significant developments was the FCA’s announcement of proposals to make it easier for more consumers to access mortgages. The regulator is exploring changes that could improve access for first-time buyers, older borrowers and the self-employed.

Mental health vulnerability

Published 09 June 2026

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.