CCTA Roundtable: Motor Finance

Published 06 July 2026

The impact of legal challenges to the FCA’s commission redress scheme continue to create uncertainty for firms and consumers. Further industry developments, such as the Angel vs Black Horse decision and FOS losing a court case against four banks around limitation jurisdiction, further complicate redress matters.

Motor finance redress: Parts of scheme suspended

Published 02 July 2026

Today the FCA has announced that parts of the motor finance redress scheme have been suspended while the Upper Tribunal considers legal challenges. The hearing will take place either from 14 to 18 December 2026 or from 16 to 26 February 2027, depending on whether further applications are made.

CCTA Guidance: New Complaints Reporting Process

Published 02 July 2026

In December 2025, the FCA published Policy Statement PS25/19: Improving the Complaints Reporting Process. The policy introduces the most significant changes to FCA complaints reporting in many years.

CCTA Update: The FCA’s latest signals for consumer credit

Published 01/07/2026

This week has provided another useful insight into the FCA’s direction of travel, with a clear emphasis on proportionality, regulatory clarity and future market development. The headline announcement is the FCA’s consultation on the Consumer Duty: scope and proportionality.

CCTA celebrates 135 year anniversary

Published 25 June 2026

The story of the CCTA begins not with credit cards, motor finance, or digital lending, but with something far more familiar to Victorian households: the sewing machine. Founded on this day in 1891, the association was established by a group of entrepreneurs who recognised both the transformative power of new technology and the importance of making it affordable.

CCTA Summer 2026 Summit

Published 24 June 2026

This year’s Summer Summit will focus on vulnerability – a topic that remains central to consumer outcomes, regulatory expectations, and the day-to-day experiences of lenders across the consumer credit sector.

CCTA Update: Credit Week and 135 years of the CCTA

Published 23/06/2026

This week, many of us will be attending Credit Week, one of the key events in the consumer credit calendar. It is always a valuable opportunity to meet with colleagues, policymakers, regulators and partners from across the sector.

CCTA Academy: 2026 update

Published 18 June 2026

We are pleased to announce a range of new content for our online learning and development platform, CCTA Academy, in addition to an upcoming Live Learning session that users can enrol on now.

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.