CCTA Roundtable: July 2026

Published 07 August 2026

Legal challenges to the FCA’s redress scheme continue to create uncertainty for firms and consumers. Recent developments, including the Angel v Black Horse decision and the FCA’s suspension of elements of its scheme, have further complicated the position. This CCTA Roundtable explored what these developments mean for members.

Reading the road ahead: Motor finance redress: Part of a wider lender-broker discussion

Published 06 August 2026

Few regulatory issues have dominated the consumer credit sector as much as motor finance commission over the past two years. For motor finance providers, it has been a core issue, although firms have not all faced the same risks or operated the same commission models.

Motor finance redress: Associate support

Published 06 May 2026

In light of the FCA’s commission redress scheme, and following our motor finance roundtable in April, members expressed interest in hearing about products and services provided by CCTA Associate members, which can assist members with aspects of the redress scheme. As such, we have compiled a brochure of products and services from our associate members.

CCTA Roundtable: April 2026

Published 08 April 2026

CCTA responded to the original redress scheme consultation at the end of 2025. Now that the rules have been announced, we held this roundtable at short notice to unpack what the final rules mean for our members. Our usual expert motor finance panel discussed what the rules mean for members.

CMC Proposals

Published 15 January 2026

We have recently engaged in discussions with the FCA, SRA and the ICO, where we have highlighted the above concerns and proposed measures that members can take to counter them. This roundtable provided an update on discussions with the regulators and highlight proposals that firms may wish to consider to reduce the impact of the aforementioned issues.

CMC Proposals

Published 14 January 2026

We have recently engaged in discussions with the FCA, SRA and the ICO, where we have highlighted the above concerns and proposed measures that members can take to counter them. This roundtable provided an update on discussions with the regulators and highlight proposals that firms may wish to consider to reduce the impact of the aforementioned issues.

Motor finance redress: Certainty requires proportionate process

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 smaller, independent lenders that make up our sector.

CCTA Roundtable: FCA Consultation – motor finance commission complaints

Published 16 October 2025

The session addressed the key proposals in the FCA’s consultation on redress and highlighted areas of particular importance for CCTA members. We also listened to member’s issues and concerns around the proposals. Attendees also had the opportunity to engage in a Q and A session with our panel of speakers.

An update on motor finance

Published 19 December 2024

Access to credit has always been central to the work of the CCTA since it was founded over 130 years ago. We have a long-standing project to protect access to responsible credit for customers that often struggle to borrow elsewhere.

Motor finance – Court of Appeal

Published 11 November 2024

The fallout from the Court of Appeal decision continues. Many major motor finance lenders and trade associations, including the CCTA, continue to liaise with the FCA, HM Treasury, the Financial Ombudsman Service (FOS) and legal firms.

What’s happening in the motor finance market?

Published 26 July 2024

After a mortgage, the purchase of a vehicle is often the second largest expense within a household, which is why a range of motor finance options have developed over the years to assist families in making this purchase. The CCTA membership includes motor finance firms of different sizes with various specialisms across the sector.

Commissions in motor finance

Published 08 February 2024

In the FCA’s findings, published in March 2019, the regulator found that discretionary commission arrangements (DCAs) meant consumers were paying approximately £300million a year in higher interest rates, generating £165million a year towards commissions for brokers. This was evidence of consumer harm, leading to a consultation with industry on addressing the harm identified by the regulator.