A measured approach: Navigating the financed emissions challenge in lending

Published 01 August 2025

Commercial lending is rapidly evolving, driven by the pressing need for financial institutions to address climate change and account for their environmental impact. A key element of this shift is “financed emissions” – the greenhouse gas emissions tied to loans and investments.

Preparation time: DCA’s and data – why motor lenders must act now

Published 01 August 2025

The UK motor finance industry is facing a reckoning. With the Financial Conduct Authority (FCA) investigating historic selling practices, lenders could be on the hook for billions in redress claims linked to Discretionary Commission Arrangements (DCAs).

Putting your best foot forward: Sustainable lending in the consumer credit market

Published 01 August 2025

In today’s dynamic economic landscape, the importance of sustainable and affordable credit has never been more critical. The FCA expects firms to place good customer outcomes at the heart of their business models and help consumers to navigate their financial lives.

In debt? The doctor (might) see you soon…

Published 01 August 2025

Weighing in at 168 pages, the Government’s 10 Year Health Plan for England is a somewhat intimidating document. But among its 71,000 words, are a couple of sentences which will interest anyone in the consumer credit industry. The plan proposes the establishment of a Neighbourhood Health Centre (NHC) in every community.

Human conversations, digital scale: The role of conversational AI in consumer credit

Published 01 August 2025

Now more than ever, there is an increase in regulatory scrutiny and a shift in consumer expectations, leading to a transformation in communication within the credit and collections sector. Central to this is conversational AI, which is transforming the way creditors interact with customers, particularly those experiencing financial difficulties.

Supporting people with every step: StepChange – more than debt advice

Published 01 August 2025

We’re excited to join this year’s CCTA conference, offering us the opportunity to share more about how StepChange helps members and customers through financial challenges. While over 171,000 people received debt advice from us in 2024, that’s only one part of our broader, more comprehensive support system.

Regulatory News:
29 July 2025

Published 29 July 2025

This week, the FCA confirmed that they are launching a market study in Premium Finance due to concerns over fair value. The Bank of England and The Money Charity also both published their monthly statistics.

Regulatory News:
22 July 2025

Published 22 July 2025

This week, there is an end of term feel to this week’s roundup and news and publications. We have seen a flurry a consultations and guidance released from the Treasury, FCA and Ombudsman ahead of the summer break.

Regulatory News:
15 July 2025

Published 15 July 2025

This week, we have seen a flurry of corporate publications from the FCA that will be of interest to members. These cover several areas, including AI and innovation, growth, and enforcement.

The Mansion House speech: CCTA Thoughts

Published 10 July 2025

As the Mansion House speech nears, we’ll be listening closely for signs of regulatory reform. Rumours are circulating, some undoubtedly floated to gauge reactions. We were interested in learning about reports of further progress on reforming the Financial Ombudsman Service (FOS).

Regulatory News:
8 July 2025

Published 08 July 2025

This week, the FCA published its final guidance on the treatment of politically exposed persons. The regulator also clarified expectations on bullying, harassment and violence in financial firms. The FOS published its annual complaints data, which detailed a significant rise across most of the main product complaint areas.

Regulatory News:
1 July 2025

Published 01 July 2025

This week, the FCA published a speech by Chief Executive Nikhil Rathi. The speech focussed on the strengths of the sector and discussed the collective action required in order to stay ahead. The Bank of England also released its Money and Credit statistics for May 2025.