The CIGB: Guidance for members

Published 26 February 2026

For CCTA members, this guidance paper outlines the implications of the Credit Information Governance Body (CIGB), including subscription requirements, fees, governance representation and operational changes. It highlights agreed fee exemptions for very small and social lenders and stresses proportionality to avoid excessive costs. The guidance also helps members understand what is changing, assess potential impacts, and suggest next steps.

Horizon Scan: 2026 Edition

Published 16 February 2026

Following our Horizon Scan Roundtable, we are writing to share an accompanying document that provides a comprehensive summary of the key regulatory changes expected to come into effect over the next year. Given the pace and scope of upcoming reforms, we have consolidated the most relevant developments into a single, practical overview to support your planning, compliance, and strategic decision-making.

Looking ahead to 2026: Key regulatory developments for consumer credit

Published 11 February 2026

The regulatory landscape for consumer credit continues to evolve, with several significant policy and supervisory developments expected through 2026. While not all changes will take effect immediately, the coming year will be important in shaping the future framework for how consumer credit is regulated in the UK. At a recent CCTA event, we highlighted some of the key developments on the horizon and what they may mean for lenders, consumers and the wider market.

Horizon Scan (2026)

Published 05 February 2026

The session covered anticipated developments in the regulation of BNPL, the Consumer Credit Act review, and ongoing work to improve access to credit. We also explored the Credit Information project and forthcoming steps in the motor finance sector. Attendees heard insights into the FCA’s strategy and areas of supervisory focus.

Horizon Scan (2026)

Published 05 February 2026

The session covered anticipated developments in the regulation of BNPL, the Consumer Credit Act review, and ongoing work to improve access to credit. We also explored the Credit Information project and forthcoming steps in the motor finance sector. Attendees heard insights into the FCA’s strategy and areas of supervisory focus.

How does the PSD request sit with the FCA’s five-year strategy?

Published 28 May 2025

The Financial Conduct Authority (FCA) has boldly committed to smarter regulation, promising to reduce burdens on firms and improve its use of data. However, with new product sales data reporting now on the table for thousands of consumer credit firms, some are asking whether the FCA’s actions match its words. We think there is still time for change.

HM Treasury publishes action plan on regulation – aims to support growth

Published 18 March 2025

Yesterday, the Chancellor met top regulator bosses in Downing Street to discuss an action plan on regulation. The review aims to cut the administrative cost of regulation, make Britain the best place to do business and drive economic growth. We applaud the ambition and the speed at which the Government has been moving.

Call for Input on mass redress: An opportunity for change

Published 06 February 2025

Last week we submitted our response to the Call for Input on modernising the redress system. We took this as an opportunity to raise a couple of wider key topics that we were keen to include around the complaints process. One of these is dialogue with the industry around complaints, to improve outcomes for all concerned – firms, the Ombudsman, and ultimately, the consumer.

Regulatory horizon scanning

Published 29 January 2025

This roundtable looked forward at the key changes and developments expected for the industry over the next six months. We were joined by Rebecca Denham (Head of Consumer Credit Unit) and Georgia Morrison (Senior Policy Adviser) from HM Treasury, who talked about the government’s current agenda for consumer credit

The importance of smaller lenders

Published 23 January 2025

The news that Santander may leave the UK market has grabbed the headlines. There has been, and we are sure there will continue to be, a lot of discussion about the regulatory burden. The costs mentioned are significant, often more like telephone numbers. The risk is that we focus on those big numbers and the big brands. However, elsewhere, some lenders face burdens that are certainly smaller numbers but can significantly impact that firm.

FCA engagement

Published 13 November 2024

The FCA’s oversight of regulated consumer credit firms is at an all-time high. The regulators ongoing scrutiny of regulated consumer credit firms stems their focus areas around conduct, Consumer Duty and vulnerable customers (to name a few). This event was suitable for Board-level Directors and Senior Managers.

FCA keeps a firm grip on the oversight of Appointed Representatives

Published 12 September 2024

Last week the FCA published the findings of its review of how principal firms are meeting its enhanced appointed representative rules, introduced in December 2022. As a reminder, an appointed representative (AR) is a firm that undertakes regulated activities and acts as an agent for a firm directly authorised by the FCA. This firm is known as the appointed representative’s “principal” firm.