Regulatory News:
28 January 2026

Published 28 January 2026

This week, the FCA launched a review into the implications of advanced AI on consumers, retail financial markets and regulators. Sheree Howard, Executive Director of Authorisations, also gave a speech at the FCA’s Gateway to growth event, at Chicago Booth London Conference Centre.

Regulatory News:
20 January 2026

Published 20 January 2026

This week, the FCA announced that applications are now open for the next round of AI Live Testing. The regulatory also issued a letter to trade associations, detailing the next steps on how to engage in the process of establishing a future entity for open banking.

Financial inclusion must include access to regulated credit

Published 15 January 2026

The Consumer Credit Trade Association (CCTA) has recently submitted evidence to the Treasury Select Committee as part of its call for views on the Government’s Financial Inclusion Strategy. This paper sets out the key points from our submission. We represent smaller, specialist and alternative consumer credit lenders across the UK.

Regulatory News:
14 January 2026

Published 14 January 2026

This week, the FCA has confirmed the total amount of fines so far during 2026. The regulator has also published board minutes from its meeting held on 27 November 2025. In other news, StepChange Debt Charity has confirmed that 5 January 2026 was its busiest day in more than a year.

Regulatory News:
7 January 2026

Published 07 January 2026

This week, the FCA has opened an enforcement investigation into The Claims Protection Agency Limited (TCPA). The Bank of England and The Money Charity have also released their monthly statistics.

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.

Regulatory News:
17 December 2025

Published 17 December 2025

This week, the FCA published a news piece on open banking, stating that 16 million users now benefiting from the service. The regulator is also amending its Code of Conduct (COCON) sourcebook to explain how non-financial misconduct can be a breach of the conduct rules.

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.

Regulatory News:
10 December 2025

Published 10 December 2025

This week, the FCA issued updated expectations to help firms interpret the Consumer Duty where they work together to create products and services. The Bank of England and Money Charity also released their monthly statistics.

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.

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.