The consumer credit market is evolving rapidly. From digital-first lenders and AI-driven underwriting to buy-now-pay-later (BNPL) products and open banking-enabled affordability checks, innovation is reshaping how consumers access credit—and how firms assess, manage, and recover lending. 

8 December 2025, the FCA published Consultation Paper CP25/36, setting out one of the biggest shake ups to client categorisation we have seen in years. The regulator wants to strengthen consumer protection and give wholesale firms a clearer and more practical way to decide when a client can be treated as an elective professional.

Consumer credit firms operate in one of the most heavily regulated corners of financial services—and for good reason. The products you offer can have a profound impact on customers' financial wellbeing, and the FCA's supervisory approach reflects that reality. 

The FCA plans to speed up the authorisation process for firms and individuals to help support UK growth whilst maintaining robust checks.

The Financial Conduct Authority (FCA) has launched a new platform that enables the trading of private company shares. PISCES (Private...

The FCA highlights good and bad practice on Complaints, Consumer Duty, Root Cause Analysis and Governance.

The new CCR009 return for Consumer Credit firms, asks tailored questions, reflecting firms' specific business models.

With the proposed change to the definition of regulatory capital for MIFIDPRU, the requirements should be easier to understand and apply

More needs to be done to protect vulnerable customers according to the latest good and bad practice findings from the FCA's review following the introduction of the Consumer Duty.

We explore some key changes that lie ahead following the publication of the FCA's 2025-2030 strategy.

The FCA has published the results of its Private Markets Valuation Review and there is a lot for affected firms to action.

The latest statistics, and our recent experiences, demonstrate that the FCA authorisation process is faster than it has been in years.

FCA proposes standard DBS checks to be run on all owners and controllers of financial institutions

Changes to the FCA firm notification form will improve the process and enable the regulator to act sooner

Last week the FCA launched a new version of Form A, one of the most common forms used for Senior Management Function and Controlled...

In order to understand the affect the current financial climate is having on FCA solo-regulated firms the regulator is planning to send...

On 21 March 2023 the FCA published an update on its operating service metrics for dealing with various applications, including...

The FCA recently consulted on changes to protect consumers and address harms across all the sectors where principals and ARs operate....

The FCA have issued a Dear CEO letter to firms in the alternative investment sector outlining their view of the main risks of harm that...

The long-awaited update to the Packaged Retail and Insurance-based Investment Product (“PRIIPs) rules has arrived. Earlier this month the...