Standing the test of time: 135 years of growth and adaptation

Published 27 August 2026

When I joined CCTA, both the Association and the market it represented were emerging from one of the most difficult periods in recent history. Our 135th anniversary has made me reflect on how much has changed and what we have learned.

The road ahead: Motor finance redress – part of a wider broker-lender discussion

Published 06 August 2026

Few regulatory issues have dominated the consumer credit sector as much as motor finance commission over the past two years. For motor finance providers, it has been a core issue, although firms have not all faced the same risks or operated the same commission models.

Finding the balance: Consumer lending reform must protect consumers and sustain access to responsible credit

Published 17 July 2026

Good consumer lending reform must do two things: prevent harmful lending and preserve access to responsible credit. Yes, regulation must protect consumers from unsuitable and unaffordable lending. But it must also recognise that refusing credit is not risk-free. Protecting consumers also means considering the harm caused when suitable regulated options disappear. One key factor is regulatory uncertainty.

Improving the complaints ecosystem: Getting claims management right

Published 05 June 2026

The FCA’s decision to launch a market study into claims management services is an important and welcome development. Claims management services can play a legitimate role in helping consumers access redress, particularly where processes are complex or people lack confidence engaging directly with firms. The issue is not whether consumers should be supported when seeking redress. They should.

Learning that works for smaller firms

Published 18 May 2026

Smaller lending firms are expected to meet high regulatory standards, often with far fewer people, systems and specialist teams than larger firms. Roles overlap. Time is limited. Judgement matters. That is why learning cannot be treated as a box-ticking exercise. It has to help people make sound decisions in real situations, with the information available at the time.

FCA perimeter report: Why it matters for consumer credit and CCTA members

Published 13 May 2026

The publication of the FCA’s latest perimeter report is an important reminder that regulation is not only about the rules inside the system, but also about the growing areas outside it. The report examines the boundary between activities regulated by the FCA and those that sit outside its remit.

A sea change: The changing landscape of UK politics and why it matters for consumer credit

Published 04 May 2026

The UK’s political landscape is becoming more fragmented and dynamic. While British politics has historically been dominated by two major parties, recent elections and shifting voter preferences suggest a broader change in the political environment. Alternative political movements are gaining traction, and policy debates are increasingly shaped by issues such as economic fairness, financial resilience and household debt.

Paving the way: Credit information reform and the CIGB

Published 08 April 2026

The UK credit system relies heavily on the effective sharing of information. Every lending decision – whether for a credit card, motor finance agreement or small-sum instalment loan – depends on data flowing through a network of credit reference agencies, lenders and technology providers. That system has evolved over decades and, in many ways, it works well.

Challenging terrain: Motor finance redress and the appointed representatives consultation

Published 27 March 2026

As we approach the end of the first quarter of 2026, the regulatory landscape remains characteristically demanding. Members are navigating a range of initiatives relevant to their sectors, but I would like to highlight two particularly significant matters that the CCTA is actively addressing.

AI, access and accountability: What the Mills Review means for consumer credit

Published 19 March 2026

Artificial intelligence is moving rapidly from experimentation to infrastructure in retail financial services. The FCA’s Mills Review provides a timely opportunity to consider what that shift means in practice – for consumers, firms, and the future shape of the credit market.

The Credit Information Governance Body (CIGB): Why it matters for lenders

Published 11 March 2026

The Credit Information Governance Body (CIGB) is one of the most significant structural changes to the UK’s credit information system in many years. While it may sound technical, its impact could be far-reaching for lenders, regulators and consumers. At its core, the CIGB is intended to provide a new governance framework for how credit information is shared across the industry.

Jason Wassell announced as MALG Ambassador

Published 09 March 2026

Few organisations play as important a role in bringing together creditors, debt advisers, regulators and others across the sector as the Money Advice Liaison Group (MALG). That is why I am particularly pleased to have been appointed as a MALG Ambassador.