CCTA Year in Review 2025: Progress, pressure, and purpose

Published 09 December 2025

As 2025 draws to a close, it is worth stepping back to take stock of a year that has tested our sector – but also demonstrated its resilience, purpose, and adaptability. For the Consumer Credit Trade Association, this has been a year defined by intense regulatory scrutiny, a rapidly shifting political landscape, and the continued importance of smaller lenders in supporting financial inclusion across the UK. Despite the challenges, our work together has delivered real impact. Below is a look back at the themes and milestones that shaped the past twelve months, and a sense of what lies ahead.

Motor finance redress: Why certainty requires proportionate process – not shortened timelines

Published 09 December 2025

The CCTA has always been clear that real certainty for motor finance consumers will come from a straightforward, proportionate and well-designed redress scheme. That means rules that are finalised, understood, and operationally deliverable by all firms – including the many smaller, independent lenders that make up our sector. This is why we were surprised by the FCA’s announcement that the pause on handling motor finance complaints will now end on 31 May 2026, two months earlier than was consulted on. The FCA has suggested this will provide customers with greater certainty and finality.

A raft of changes: Consumer credit rules in 2026

Published 04 December 2025

Next year will mark a landmark moment for the UK consumer credit market. Regulators and Government are moving ahead with a package of reforms that will reshape how credit products are designed, marketed, and managed – as well as how lenders communicate with consumers. Many of these changes are already in motion and will reach key implementation stages in 2026.

Building connections, gaining momentum: My first year as Membership Manager

Published 02 December 2025

When I joined the CCTA as Membership Manager, I knew I was stepping into a community with a proud history and an important role in supporting our industry. What I didn’t realise then was just how quickly I would come to feel part of something bigger, a network of people who are passionate about collaboration, learning, and making a difference.

The future of credit reporting governance: Challenges and priorities

Published 18 November 2025

The development of the new Credit Information Governance Body (CIGB) has reached a critical stage, with details now in place for how the model may operate. Over recent weeks, lenders have begun receiving initial information from the Credit Reference Agencies outlining the proposed governance structures, decision-making processes and the path towards subscription contracts.

CCTA 2025 Annual Conference: A day of insight, innovation, and industry collaboration

Published 13 November 2025

The 2025 CCTA Annual Conference brought together leaders from across the consumer credit sector for a dynamic day of discussion, learning, and forward-thinking collaboration. Held in Manchester, the event showcased the industry’s response to regulatory change, technological advancement, and the evolving needs of consumers.

Regulation in motion: What the motor finance redress scheme tells us about the wider direction of travel

Published 11 November 2025

This edition of CCTA Magazine focuses on motor finance. If you have read about the scope of the forthcoming redress scheme, you might understand why. But even if you are not in motor finance, I think it is valuable to stop and look at what is happening. The Financial Conduct Authority’s (FCA) proposed motor finance redress scheme is one of the most significant interventions in consumer credit for more than a decade.

CCTA reflects: FCA motor finance consultation and potential impact

Published 22 October 2025

Smaller motor finance lenders are facing the toughest test in years. The FCA’s proposed motor finance redress scheme will reach back almost two decades, affecting millions of old agreements. What I am hearing from many smaller motor lenders is that the number of eligible compensation cases might be very low, but the costs of the scheme could be very high.

FCA Consultation: Motor finance commission complaints

Published 07 October 2025

Today, the FCA has published its long-awaited consultation on a proposed redress scheme for motor finance commission complaints. At the recent CCTA Annual Conference, the FCA confirmed that the consultation would launch this week – and it’s now live.

CCTA 2025 Annual Conference: Event overview

Published 05 October 2025

It’s been one week since the CCTA Annual Conference – and what an invigorating, insight-packed day it was. A huge thank you to the sponsors, speakers, and all the delegates who made it such a compelling event.

Finding the balance: FOS redress reform that is fair, predictable, and sustainable

Published 23 September 2025

Reform of the financial redress system is long overdue. It is something that the CCTA has campaigned for over the years. We are pleased to see progress and plans for further changes. However, if change is to last, it must be sustainable for all types of firms. One that also balances the interests of consumers and firms. For the industry, this means designing rules that not only suit the very largest, but also reflect the pressures faced by smaller lenders.

Reforming the redress system: CCTA Thoughts

Published 23 September 2025

Reform of the financial redress system is long overdue. It is something that the CCTA has campaigned for over the years. We are pleased to see progress and plans for further changes. Some of which we will be discussing next week at the CCTA Conference. However, if change is to last, it must be sustainable for all types of firms. One that also balances the interests of consumers and firms. For the industry, this means designing rules that not only suit the very largest, but also reflect the pressures faced by smaller lenders.