United Kingdom: Consumer Credit

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Consumer protection law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics that involve consumer protection regulations and the developing law surrounding them from specialists working in this area.

Motor Finance Consumer Redress- What Lenders Need To Know Ahead Of The New Scheme

On 7 October 2025, the Financial Conduct Authority (FCA) published a statement and consultation paper (CP25/27) on the Motor Finance Redress Scheme.

United Kingdom Finance

AG

Addleshaw Goddard

High Court Sets Aside Default Judgments Entered Against Guarantors Under A Facility Agreement On The Basis That Service Of The Claim Was Not Valid

In a recent decision, the High Court has allowed an application to set aside default judgments obtained by a lender against guarantors in respect of unpaid sums under a facility agreement...

United Kingdom Commercial

KL

Herbert Smith Freehills Kramer LLP

Fiduciary Relationships Reshaped

Our recent article in the New Law Journal explores how the Supreme Court's decision in Hopcraft signals a return to orthodoxy on fiduciary duties and common law bribery

United Kingdom Consumer

KL

Herbert Smith Freehills Kramer LLP

Bridging Loan Disputes: How To Manage Defaults, Enforcement And Unfair Terms

Bridging loans are short-term loans, typically secured against property, designed to provide fast finance. They are usually for 6 to 18 months, carry higher interest rates than standard mortgages...

United Kingdom Finance

RF

Ronald Fletcher Baker

FCA Issues Guidance On Digital Design In Customers' Online Journeys

United Kingdom Consumer

LS

Lewis Silkin

Supreme Court Clarifies: No Fiduciary Duty Owed By Car Dealers In Finance Arrangements

United Kingdom Finance

GW

Gowling WLG

Regulation Of Buy Now Pay Later And FCA Consultation

United Kingdom Finance

AG

Addleshaw Goddard

Weil Structured Finance Talking Points

United Kingdom Finance

WG

Weil, Gotshal & Manges LLP

Securitisation Regulatory Update: UK Regulator Consults On Reforms To Deferred Payment Credit (Buy Now Pay Later)

United Kingdom Consumer

MB

Mayer Brown

Supreme Court Rules In Undisclosed Commissions Case

United Kingdom Finance

LS

Lewis Silkin

Motor Finance Commissions: Implications And Outcomes

United Kingdom Finance

BJ

Browne Jacobson

U.K. Motor Finance Ruling: Where Next For The FCA?

United Kingdom Finance

A

AlixPartners

Commission Not Impossible: No Bribery Or Fiduciary Breach In Car Finance Commission Case

United Kingdom Finance

AO

A&O Shearman

The Supreme Court's Ruling On The Johnson Car Finance Case Lifts The Bonnet On The Distribution And Manufacture Of Retail Financial Services

United Kingdom Finance

M

Macfarlanes LLP

Employment Rights Bill Nears Final Stages

United Kingdom Employment

WS

Wrigleys Solicitors

FinTech Global FS Regulatory Round-up - W/e 12 September 2025

United Kingdom Technology

KL

Herbert Smith Freehills Kramer LLP

UK Immigration Salary List 2025

United Kingdom Immigration

RC

Richmond Chambers Immigration Barristers

Goodwin Insight: French Governance Of The European Artificial Intelligence Regulation

United Kingdom Technology

GP

Goodwin Procter LLP

UK Immigration Update – Indefinite Leave To Remain ILR After 10 Years Residence

United Kingdom Immigration

TL

Thaxted Legal

FCA Consults On Proposed Rules And Guidance For BNPL Sector

Last week we reported that the UK government had made legislation to bring deferred payment credit (DPC) or "buy now pay later" (BNPL) products into FCA regulation.

United Kingdom Consumer

LS

Lewis Silkin

BNPL: Financial Services And Markets Act 2000 (Regulated Activities Etc) (Amendment) Order 2025 Made

The Financial Services and Markets Act 2000 (Regulated Activities etc) (Amendment) Order 2025 (SI 2025/859) (the "Order") has been made.

United Kingdom Finance

LS

Lewis Silkin

Islamic Finance And The Consumer Credit Act: Addressing Terminology And Interest Prohibitions

The Islamic finance industry is experiencing significant growth, with an increasing number of entrants, including new Islamic financial institutions and "Islamic windows" within conventional banks.

United Kingdom Finance

AG

Addleshaw Goddard

The Landmark Reforms Of The Consumer Credit Regime- HMT's Phase 1 Consultation On The Reform Of The Consumer Credit Act And Its Next Steps For The Regulation Of Buy Now Pay Later

Last month was significant for developments in consumer credit regulation. The two pivotal publications from HM Treasury (HMT) that we had been waiting for with bated breath were finally published on 19 May 2025.

United Kingdom Consumer

AG

Addleshaw Goddard

Financial Regulation - In The Know: Consumer Finance

United Kingdom Consumer

AG

Addleshaw Goddard

Mastering CCR009: Your Guide To Implementing The New Credit Broking Reporting Requirements

United Kingdom Consumer

AG

Addleshaw Goddard

Consumer Credit Reform: What Housing Associations Need To Know

United Kingdom Consumer

D

Devonshires

Motor Finance Commission: What Happens Next After The Hopcraft Supreme Court Hearing Arguments?

United Kingdom Finance

AG

Addleshaw Goddard

Price Claims In The Travel Sector - What's The Latest?

United Kingdom Consumer

LS

Lewis Silkin

UK Government Confirms Plans To Regulate "Buy Now Pay Later" Products

United Kingdom Consumer

LS

Lewis Silkin

Goodbye Old Friend? HM Treasury Consultation On Consumer Credit Act 1974 Reform

United Kingdom Consumer

AO

A&O Shearman

Buy-Now, Pay Later - The Journey Continues (And The End Is Nearly In Sight)

United Kingdom Finance

AO

A&O Shearman

Buy Now Pay Later: New Rules Set To Reshape Regulation Of The Sector

United Kingdom Finance

M

Macfarlanes LLP

European Accessibility Act: Application To Firms

United Kingdom Finance

M

Macfarlanes LLP

Goodbye Old Friend? HM Treasury Consultation On Consumer Credit Act 1974 Reform

It's here at last—well, the next set of steps towards a brave new dawn for consumer credit, at least.

United Kingdom Consumer

AO

A&O Shearman

Buy-Now, Pay Later - The Journey Continues (And The End Is Nearly In Sight)

In an exciting week for consumer credit lawyers, in addition to the consultation paper on the reform of the Consumer Credit Act 1974 (CCA)...

United Kingdom Finance

AO

A&O Shearman

Buy Now Pay Later: New Rules Set To Reshape Regulation Of The Sector

The UK government's spotlight continues to shine firmly on unregulated sectors, with the ‘buy now, pay later' (BNPL) market attracting its latest attention.

United Kingdom Finance

M

Macfarlanes LLP

European Accessibility Act: Application To Firms

The European Accessibility Act (the Act), is an EU Directive which aims to harmonise accessibility requirements for certain products and services offered to consumers within the European Economic Area (EEA).

United Kingdom Finance

M

Macfarlanes LLP

FCA Consumer Credit Reporting Changes For Some Regulated Activities

United Kingdom Consumer

D

Devonshires

Top Takeaways - AML And Consumer Credit: What Housing Associations Need To Know

Yesterday we hosted our AML and Consumer Credit seminar to coincide with the launch of our new Financial Services Regulation team. We've collated our top 5 takeaways from the seminar below.

United Kingdom Finance

D

Devonshires

Reporting for ICAVs and SICAVs

ICAVs and SICAVs are two common but distinct types of investment vehicle structures in Ireland and Europe.

United Kingdom Finance

TRAction

Motor Finance Cases Set New Standards For Disclosure

The Motor Finance Commission cases reinforce transparency requirements in motor finance agreements, ruling that undisclosed commissions breach fiduciary duties. This decision may impose significant liabilities on dealerships and lenders, setting a new standard for consumer protection in finance.

United Kingdom Finance

PR

Proskauer Rose LLP

Court Of Appeal Hands Down Decision In Motor Finance Test Case

The Court of Appeal ruled that car dealers must disclose commissions from lenders to customers for motor finance deals, impacting lender liability and requiring procedural reviews in the finance industry.

United Kingdom Finance

M

Macfarlanes LLP

Johnson v Firstrand: A Landmark Win For Claimants

United Kingdom Litigation

JL

Johnson Law Group

Consumer Credit: The FCA Is Changing Its Data Requirements

United Kingdom Consumer

D

Devonshires

UK Economic Overview Consumers And The Macro Economy: September 2024

United Kingdom Strategy

AC

Ankura Consulting Group LLC

The Consumer Duty One Year On And Its Importance To Retailers

United Kingdom Consumer

DS

DMH Stallard

FCA Provides Further Guidance On The Treatment Of PEPs

United Kingdom Finance

TS

Travers Smith LLP

Fintech, Digital Assets, Payments And Consumer Credit | UK Regulatory Outlook July 2024

United Kingdom Technology

OC

Osborne Clarke

High Court Rejects Misselling Claim In Respect Of Fixed Interest Rate Loans

United Kingdom Finance

NR

Norton Rose Fulbright Hong Kong

Fintech, Digital Assets, Payments And Consumer Credit | UK Regulatory Outlook April 2024

United Kingdom Finance

OC

Osborne Clarke

Fintech, Digital Assets, Payments And Consumer Credit | UK Regulatory Outlook March 2024

United Kingdom Technology

OC

Osborne Clarke

FCA Announces Review Into UK Motor Finance Commission Arrangements

United Kingdom Finance

OC

Osborne Clarke

UK Knowledge Collection | The Future Of Financial Services, Changes To The Listing Regime, And Consumer Credit

United Kingdom Finance

OC

Osborne Clarke

UK FCA Proposes New Credit Reporting Governance Body With Broader Objectives

United Kingdom Finance

OC

Osborne Clarke

Clarity And Simplicity For The Law On Limitation In "Concealment" Cases

United Kingdom Litigation

F

Forsters

The UK Introduces Repayment Concessions For Residential Mortgages

United Kingdom Finance

CW

Cadwalader, Wickersham & Taft LLP

Start-Ups And SMEs – How To Improve Your Processes And Manage Your Cash Flow

United Kingdom Commercial

OM

Old Mill

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