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

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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.

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Technology paper

Published 01 November 2023

Artificial Intelligence, Machine Learning, and ChatGPT are words we hear more and more. There is a lot of new technology appearing on the scene which will revolutionise not only the financial services market but also the wider world in the next few years. Technology has always played an important part in the development of alternative lending products. For that reason, we wanted to share a paper that looks at some of these developments in a little more detail.

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Appointed Representatives

Published 05 October 2022

The Appointed Respresentatives (AR) regime is a longstanding feature of UK financial services regulation. Legislation for the AR regime was first established in 1986 for investment services activity but was later adapted and applied to a wider range of financial services under the Financial Services and Markets Act (FSMA 2000). It allows agents and representative firms to engage in regulated activities without the need for being directly authorised by the FCA. The ‘Principal’ (the regulated firm or person who allows the AR to operate under their permissions) effectively takes responsibility for the AR’s conduct and oversight.

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