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.

Regulatory News:
2 October 2025

Published 02 October 2025

This week, the FCA The set out its Consumer Duty priorities for 2025/26 and delivered a speech on Consumer Duty and good outcomes. The Bank of England published it August statistics. The Money Charity published its September figures and the FOS published it latest edition of Ombudsman News.

Regulatory News:
24 September 2025

Published 24 September 2025

This week saw the publication of three different speeches from the Financial Conduct Authority.

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.

Regulatory News:
16 September 2025

Published 16 September 2025

This week, the FCA launched a £1 million awareness campaign relating to the motor finance compensation scheme. The regulator also delivered a speech at the 1LoD Financial Crime Summit. The FCA also shared examples of good practice and areas for improvement in relation to authorisation and registration applications. 

Regulatory News:
12 August 2025

Published 12 August 2025

This week, HM Treasury set out the government’s overall policy approach for regulation of Appointed Representatives carrying on regulated financial services activity in the UK. The FCA also warned consumers about car finance scams that are currently active.

Regulatory News:
5 August 2025

Published 05 August 2025

This week, the FCA confirmed that they will consult on a motor finance compensation scheme. In a blog post, the FCA also made proposals around AI live testing. The Financial Ombudsman Service (FOS) announced its interim chair.

More than a lick of paint: Introducing the new CCTA website

Published 02 August 2025

Since 2016, our website has helped members find answers, register for events, and stay informed. But we knew we could do better. So we have rebuilt it, from the ground up, to give you improved access, better navigation, and personalised tools that make your membership work harder for you. We recognise that the website is a crucial part of the membership journey for both existing and future members. The new site has several notable additions and improvements. I wanted to outline our plans, while also illustrating how you can get the most out of the new ccta.co.uk.

Dear CCA: It’s not me, it’s you…

Published 02 August 2025

After decades of frustration, the UK government is finally doing what lenders, many trade associations – and yes, regulatory lawyers like me – have long called for: reforming the Consumer Credit Act 1974 (CCA). And not a moment too soon.

Changes ahead? CCTA review key regulatory developments

Published 01 August 2025

From a regulatory perspective, it is set to be another big year within the world of alternative credit. At our Summit, I talked about the key changes we were expecting in 2025. Here, I update on progress and provide details of new regulatory developments that will affect members.