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.

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

Understanding The Employment Rights Bill: A New Era For Employers, Employees And Workers (Video)

United Kingdom Employment

AG

Anthony Gold Solicitors LLP

S5:E9 – Twin Property Developers Tom And Jack Atha: Building Atha Properties From The Ground Up (Video)

United Kingdom Real Estate

SO

Square One

Financial Regulation - In The Know: Payments

United Kingdom Technology

AG

Addleshaw Goddard

UK To Tighten Immigration Rules: Highlights From The 2025 White Paper

United Kingdom Immigration

RC

Richmond Chambers Immigration Barristers

UK Creative Worker Visa: Key Requirements (Video)

United Kingdom Immigration

L

Latitude Law

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

It is well known that much of private credit growth has been driven by bank retrenchment, combined with the development of private equity and its financing needs.

United Kingdom Finance

M

Macfarlanes LLP

The Supreme Court Hears Motor Finance Test Case

This week the Supreme Court heard the appeal against the Court of Appeal's decision regarding the payment of commission by motor finance lenders to car dealers.

United Kingdom Finance

M

Macfarlanes LLP

FCA Strategy For 2025 And Beyond

On 25 March 2025, the UK Financial Conduct Authority published a feedback statement (FS25/2) responding to its earlier call for input on reviewing FCA requirements following the introduction of the Consumer Duty in July 2024 (the Feedback Statement).

United Kingdom Consumer

TS

Travers Smith LLP

PSR's Consultation On Market Review Into Cross-border Interchange Fees Remedies

United Kingdom Consumer

AG

Addleshaw Goddard

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

United Kingdom Finance

D

Devonshires

Reporting for ICAVs and SICAVs

United Kingdom Finance

TRAction

Motor Finance Cases Set New Standards For Disclosure

United Kingdom Finance

PR

Proskauer Rose LLP

Court Of Appeal Hands Down Decision In Motor Finance Test Case

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

Consumer Credit: The FCA Is Changing Its Data Requirements

The FCA is proposing new regulatory reporting requirements for credit broking, debt adjusting, counselling, and credit information services to improve market monitoring and protect consumers. Aimed at around 30,000 firms, the changes focus on collecting more specific, relevant data to identify higher-risk activities. The consultation closes on 31 October 2024, with final guidelines expected in Spring 2025.

United Kingdom Consumer

D

Devonshires

UK Economic Overview Consumers And The Macro Economy: September 2024

In September, UK consumer confidence declined despite steady economic indicators, as concerns over the economic outlook rise ahead of the new government's Budget. Businesses await further stimulus for growth.

United Kingdom Strategy

AC

Ankura Consulting Group LLC

The Consumer Duty One Year On And Its Importance To Retailers

From 31 July 2024, the Consumer Duty applies to all financial products, impacting retailers offering credit. Key compliance areas include ensuring product suitability, fair pricing, transparent customer information, and robust support, especially for vulnerable customers.

United Kingdom Consumer

DS

DMH Stallard

FCA Provides Further Guidance On The Treatment Of PEPs

The Financial Conduct Authority (FCA) has published the results of its multi-firm review on how firms treat politically exposed persons (PEPs) when carrying out anti-money laundering checks.

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

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

In February our Future of Financial Services week of events returns, consisting of a mix of in-person sessions in our London office (including a regulatory-themed day and fundraising-related day) and webinars...

United Kingdom Finance

OC

Osborne Clarke

UK FCA Proposes New Credit Reporting Governance Body With Broader Objectives

The Financial Conduct Authority (FCA) published its Credit Information Market Study final report on 3 December 2023, following its interim report and discussion paper...

United Kingdom Finance

OC

Osborne Clarke

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

Limitation periods reflect the uncontroversial principle that a defendant should not be exposed to a claim which the claimant has unreasonably delayed in pursuing.

United Kingdom Litigation

F

Forsters

The UK Introduces Repayment Concessions For Residential Mortgages

In June of this year, the UK's Financial Conduct Authority ("FCA") introduced rules to allow mortgage lenders to more easily vary contracts in order to allow...

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

Consumer Duty – Retailers, Are You Ready?

United Kingdom Consumer

GW

Gowling WLG

FCA Releases 2023/24 Business Plan

United Kingdom Finance

HS

Herbert Smith Freehills Kramer LLP

Effective Debt Recovery

United Kingdom Finance

LB

Lanyon Bowdler

Raising Unfairness In An Unfair Way

United Kingdom Finance

GC

Gatehouse Chambers

The New UK BNPL Framework Key Changes And Impacts For Lenders And Merchants

United Kingdom Consumer

NR

Norton Rose Fulbright

Regulation Tomorrow Plus – HM Treasury Final Consultation On The Regulation Of BNPL Products

United Kingdom Consumer

NR

Norton Rose Fulbright

Payment Protection Insurance (PPI)

United Kingdom Finance

GC

Gatehouse Chambers

The Edinburgh Reforms: An Offshore Perspective

United Kingdom Finance

A

Appleby

Regulation Update

United Kingdom Consumer

B

Birketts

Are You Sure That This Claim Is Proceeding In The DCP?

United Kingdom Litigation

W

Weightmans

When Cross Border Practitioners Can Get Around Brexit (and When They Can't): Cooper v Freedom Travel Group And Bank Of Scotland (Halifax) [2022] EWCA Civ 1557

United Kingdom Consumer

DC

Deka Chambers

FinTech Global FS Regulatory Round-up – w/e 2 December 2022

Worldwide Technology

HS

Herbert Smith Freehills Kramer LLP

The Dekagram 28th November 2022

United Kingdom Consumer

DC

Deka Chambers

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