Back to basics: What do the unfair relationship provisions actually say?

Published 31 March 2026

So it’s the middle of March 2026. Were we expecting the policy statement from the Financial Conduct Authority (the FCA) on a motor finance consumer redress scheme by now? Yes. Do we have it? No. The FCA’s latest murmurings are that it will publish the scheme by the end of March 2026. So, for now, we wait.

Motor finance DCA redress: What ‘ready’ really looks like

Published 30 March 2026

The debate around discretionary commission arrangements (DCAs) in motor finance has developed rapidly over the past year, with regulatory scrutiny, legal developments and the FCA’s ongoing work on a potential redress scheme bringing increased focus to the sector. Final decisions on any compensation scheme have not yet been made.

Mind the (data) gap: Are motor finance firms prepared for the challenge ahead

Published 30 March 2026

The regulatory landscape for motor finance is shifting rapidly. Following the Financial Conduct Authority’s (FCA) latest update on 4 March 2026, the industry now has a much clearer view of the road ahead. With final rules expected in late March, the focus has shifted from hypothetical planning to urgent operational implementation.

Lantern Group announces the acquisition of Ascent

Published 11 March 2026

Lantern Group today announced that it has agreed to acquire Ascent, one of the UK’s largest specialist debt recovery law firms, from Irwin Mitchell, subject to regulatory approval. The acquisition expands Lantern Gorup’s portfolio, with Ascent joining Lantern and Sonex.

Lantern announces appointments to power growth and customer impact

Published 29 January 2026

Lantern Group, a leading UK debt management and financial services company, has announced three strategic senior appointments as part of its commitment to growth, innovation and customer-centric service delivery. The company welcomes Charlotte Symonds as Chief Operating Officer, Charmaine Bonnaire as Director of Partnerships, and Scott Forster as Head of Brand and Communications.

The rise of the fake consumer: Why the UK must act on synthetic fraud

Published 18 December 2025

It wasn’t until late 2024 that UK fraud leaders began taking notice of the rise of synthetic identity fraud – until then it had been an unrecognised threat, with most organisations lacking monitoring and reporting insight. However, in the US, synthetic identity fraud has been surging, with estimated exposure of $3.1 billion across sectors in 2024.

Enhancing customer journey through digitisation: Opportunities and challenges

Published 16 December 2025

In recent years, along with other sectors the financial services industry has been highlighting the significant benefits from the usage of artificial intelligence (AI). Some of the largest perceived benefits include in combatting fraud, customer engagement and services, and customer care. Similarly, apps and digital platforms have changed customer journeys.

Time to move? Lessons from successful migrations

Published 11 December 2025

A successful migration is more than moving data – it’s about transforming both the data and the business. Having led and seen dozens of migrations, here are the lessons that matter most before making the leap, informed by some of Lenvi’s recent migration projects.

Subprime lending: A cornerstone for financial inclusion

Published 09 December 2025

A resilient subprime credit market is essential to providing access to credit among underserved groups and ensuring financial inclusion in a changing regulatory and competitive landscape. The size and shape of the subprime credit sector has changed considerably over the past decade which has been driven by a combination of regulatory reforms, shifting consumer behaviours and economic pressure.

Shared Duty, shared outcomes: Lenders and brokers – effective broker oversight

Published 03 December 2025

To customers, lenders and brokers are one experience. The FCA’s Consumer Duty makes that explicit: any firm that can determine or materially influence a retail outcome has responsibilities commensurate with its role. That has real consequences for distribution.

The season to be jolly? How to avoid Christmas cheer turning into credit rear

Published 27 November 2025

As the festive season approaches, so too does the pressure to spend. From social media wish lists to endless retail promotions promising the ‘perfect’ Christmas, the expectation to buy, give and celebrate grows stronger each year.

Financial stress in the UK: What the latest data tells us

Published 26 November 2025

Financial wellbeing is a cornerstone of modern life, yet for millions of UK adults, it remains out of reach. New research on financial stress in the UK by LexisNexis® Risk Solutions reveals that the scale of financial exclusion and credit distress is still significant, despite some progress in recent years.