access to credit

Access to credit is narrowing as affordability rules tighten and regulatory pressures grow. Lenders must balance compliance with the need to offer fair, inclusive products to the customers who need them most.

commission disclosure

The end of discretionary commission models and increased scrutiny on pricing structures require lenders and brokers to review and adapt. Clear governance and transparency are now essential to avoid regulatory risk.

complaints & legal claims

Managing complaints effectively is essential for maintaining trust and compliance. With increased scrutiny from regulators and the Financial Ombudsman Service (FOS), firms must ensure fair and efficient resolution processes.

consumer duty

The FCA’s Consumer Duty raises the bar for how firms treat customers - placing a spotlight on clarity, fair value, and proactive support. But fewer prescriptive rules mean greater complexity and risk.

regulatory landscape

Major reforms are underway - from modernisation of the Consumer Credit Act to the regulation of Buy Now Pay Later. These changes could redefine lending obligations for years to come, making it vital to stay ahead.

responsible lending

Lenders must go beyond box-ticking. The FCA expects robust affordability checks that reflect real-world conditions and consumer resilience—ensuring lending remains fair, sustainable, and defensible.

customer vulnerability

According to the FCA, about half of UK adults display characteristics of vulnerability. Lenders must balance regulatory requirements, fair treatment, and commercial sustainability while embedding vulnerability considerations into their business models.