Consumer Credit 

The Consumer Credit market is diverse.  We work with lenders and brokers across all the major sectors, helping them to get authorised, manage their compliance and mitigate regulatory risk. 

We have eased the compliance burden for consumer credit firms in sectors ranging from motor, healthcare and agricultural to retail, training and utilities. We can help you understand the risks and options around debt limitations, complaint handling and pre-contractual issues such as affordability. 

• We help Lenders and Brokers get FCA authorised for the first time

• We assist lenders with the implementation and monitoring of their compliance, governance and conduct risk frameworks

• We offer award-winning regtech solutions to help Lenders and network principals assess and manage the risks presented by intermediaries

• We help consumer credit firms that use Appointed Representatives (ARs) with our specialist regtech enabled service, onboarding and monitoring ARs so that you meet FCA requirements

• We can support you when the FCA raise an issue, assessing your status and developing a remediation plan

• We provide compliance healthchecks of the complete customer journey, from the initial promotion through handling complaints to identifying improvements using a red, amber, green (RAG) rating system

• Clients enjoy the use of our regtech resources, including our client portal, SM&CR System and e-learning platform, to support compliance management and training

Whatever you need help with – management control, governance, managing customer data protection, compliance around marketing and financial promotion rules – we offer timely, practical advice. We cover a myriad of business sectors and ex-FCA employees developed our authorisation application process, so we’re perfectly poised to help you.