Schedule - CCTA

Welcome
Mark Fiander, Chair, CCTA

Introduction
Jason Wassell, Chief Executive, CCTA

Keynote: Walker Morris
Russell Kelsall, Partner, Head of Consumer & Motor Finance, Walker Morris
Paula Twist, Senior Associate, Regulatory & Compliance, Walker Morris

Redress: Friend or foe?

For more years than lenders care to remember, the topic of redress has been a live one. Redress events have led to significant redress programmes and even, in some cases, the failure of firms. This has led to operational challenges and some investors having a perception of a claims culture in the UK. But changes are on the horizon with consumer credit reform, reform of the Financial Ombudsman Service, developments before the Court (including so-called Omnibus Claims) and proposed wider reform of group litigation. So against that backdrop, redress: friend or foe?

Fireside Chat: Running a consumer credit business in 2026

Fireside Chat guest: TBC
Fireside Chat guest: TBC
Fireside Chat guest: TBC

Keynote: FCA Update
Alison Walters, Director – Consumer Finance, FCA

Presentation: Equifax
Andrea Cox, Director of Affordability, Equifax

The consumer who doesn’t exist: Why better affordability starts with better understanding

In a turbulent economic environment, a responsible credit decision now requires more than traditional metrics. The reliance on rigid, ‘tick-box’ assessments based on historic, ‘average’ consumer models often leads to the unnecessary rejection of creditworthy individuals who fall outside traditional categories. This session offers lenders an opportunity to access a deeper, more accurate understanding of their customers’ true financial standing and enable more confident lending decisions.

Evidence-based, real-time data is a powerful tool to move beyond standard categories, identify true affordability risks, and support modern borrowers. This session will challenge inflexible lending mindsets, explain how to build a better view of affordability, and show how you can use richer data to drive responsible decisioning while fulfilling Consumer Duty obligations, building a future where lending decisions are smarter, fairer, and more sustainable.

Keynote: Evlo
Jono Gillespie, CEO, Evlo

Financial Freedom for Everyone: Practical reform for a fairer credit system

Financial exclusion is rising, while the supply of credit for customers outside the mainstream has narrowed. Yet one of the clearest signs of financial responsibility, paying rent reliably every month, is still often missing from the data used to assess creditworthiness.

In this session, Evlo CEO Jono Gillespie will explain why making rental payment data more consistently available, with tenant consent, could help more people build stronger credit profiles and move up the credit ladder. He will share progress behind Evlo’s Financial Freedom for Everyone campaign, from building an industry coalition to engaging Parliament, Government and the FCA, alongside practical action through Evlo’s partnership with CreditLadder.

The session will also explore the challenges around rental data sharing and why Evlo believes progress, with appropriate safeguards, can deliver fairer outcomes for consumers, lenders and the wider UK economy. Jono will also touch on Evlo’s work to improve outcomes in the IVA market, including its call for stronger regulation and greater consumer protection.

Panel: How can payments play a greater role in delivering good customer outcomes?

Panellist: Rowan Millet-Ling, Senior Principal Manager, Acquired
Panellist: TBC
Panellist: TBC

Keynote: Square 4
Matthew Drage, Managing Director – Technology Solutions, Square 4

From Insight to Evidence: Outcomes Testing Under Consumer Duty

The FCA’s latest review of outcomes monitoring sets a clear benchmark for firms under Consumer Duty. This keynote will explore the regulator’s examples of good and poor practice, from meaningful outcome definitions, thresholds, and governance to weaknesses such as high-level MI, overuse of operational MI and limited evidence of customer impact.

It will translate the findings into practical steps for consumer credit firms and show how Assure 4 uses regulatory expertise and AI-enabled technology to deliver scalable, consistent and audit ready outcomes testing across the customer lifecycle.