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.

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

We've written a lot about online choice architecture (OCA), that is, how websites and platforms are designed to "nudge" customers into making certain transactional decisions.

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

FCA Consults On Proposed Rules And Guidance For BNPL Sector

United Kingdom Consumer

LS

Lewis Silkin

The Rise Of Shadow AI: Risk Or Opportunity?

United Kingdom Technology

LS

Lewis Silkin

Future Network Strategy For CO₂ Transport And Storage

United Kingdom Environment

KL

Herbert Smith Freehills Kramer LLP

The Evolving Landscape Of Technology Disputes

United Kingdom Technology

LS

Lewis Silkin

Manufacturing Overview: Low Capacity Utilization Meets Potential Tariff Stabilization

United Kingdom International

A

AlixPartners

Otter Chaos: Legal Considerations When Using AI Notetakers

United Kingdom Technology

BJ

Browne Jacobson

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

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

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

FCA Consumer Credit Reporting Changes For Some Regulated Activities

United Kingdom Consumer

D

Devonshires

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

Last week the FCA confirmed its plans to introduce a new regulatory return for consumer credit firms who engage in certain regulated activities.

United Kingdom Consumer

D

Devonshires

The Growth Of Asset-based Finance In Private Credit Markets

United Kingdom Finance

M

Macfarlanes LLP

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

The Court of Appeal's ruling in Johnson v Firstrand mandates transparency in car finance agreements, emphasizing consumer rights to disclosure on broker commissions that may impact loan terms.

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

EU Regulatory Developments On Credit Markets

European Union Finance

AG

Akin Gump Strauss Hauer & Feld LLP

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