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Robert Bell
Jun 17, 2019
The FCA Tackles Overdraft Charges
Having already taken action in the payday market, followed by the rent to own and motor finance sectors the FCA’s next target is bank...
Robert Bell
Jun 4, 2019
Key Provisions for Consumer Credit Firms in the Consumer Credit Sourcebook (CONC)
To celebrate the launch of our CONC Guide, an easy to understand overview of CONC, I thought it would be useful to produce an overview of...
Robert Bell
Apr 9, 2019
Financial Services Regulation Round-Up - March 2019
As always, we aim to keep you right up to date with all matters to do with financial services compliance, as such we have produced a...
Robert Bell
Apr 2, 2019
Regulatory Horizon for 2019
In this article, we’ll take a look ahead at the upcoming regulatory changes over the next nine months of 2019. In the last two years,...
Robert Bell
Mar 7, 2019
Often Overlooked Key Areas of the Consumer Credit Sourcebook (CONC)
Although many of us feel confident we know the FCA’s Consumer Credit Sourcebook (CONC) inside and out, even I, as somebody who covers it...
Robert Bell
Mar 5, 2019
FCA Publishes New Rules for Buy Now Pay Later (BNPL) Deals
The Financial Conduct Authority (FCA) have published initial feedback and guidance in relation to Buy Now Pay Later (BNPL) deals, which...
Robert Bell
Feb 27, 2019
FCA Authorisation Application in 5 Steps
Most financial service providers and consumer credit firms must be authorised by the Financial Conduct Authority in order to operate and...
Victoria Bell
Dec 18, 2018
The FCA announce radical changes to overdraft fees
The FCA have announced a proposal to make radical changes to the way banks can impose charges for unarranged overdraft fees. Their...
Victoria Bell
Dec 11, 2018
The CONC Sourcebook: An Overview
With the introduction of GDPR and next year’s roll-out of the Senior Managers and Certification Regime impacting upon the consumer credit...
Victoria Bell
Apr 18, 2018
FCA's Final Guidance and Rules on Staff Incentives and Remuneration in Consumer Credit
The Financial Conduct Authority (FCA) have published the final rules and guidance relating to staff incentives, remuneration and...
Robert Bell
Jan 18, 2018
Regulatory Horizon for 2018
2018 promises to be a bumper year for compliance. I can hear what you are thinking, you’ll be muttering, “Isn’t it always?” Seriously,...
Victoria Bell
Jan 3, 2018
Is your firm exempt from FCA authorisation under the Financial Services and Markets Act 2000 (Miscel
While most firms need either limited or full permission in order to be able to carry out regulated consumer credit activities, there are...
Victoria Bell
Dec 12, 2017
Christmas bonus? Don’t fall foul of the remuneration changes
Incentivising staff through bonuses and other remuneration schemes is a common practice for many firms in the sector who want to...
Robert Bell
Dec 5, 2017
Why Consumer Credit Firms Need to Audit Their Staff Incentive Schemes
The FCA’s consultation on staff incentives - covering remuneration, incentive schemes and performance management – in consumer credit...
Victoria Bell
Nov 21, 2017
FCA's Proposed New 'Creditworthiness' Rules: What You Need To Know
With Q4 well under way, it’s a good idea to have any upcoming FCA policy statements at the forefront of your planning for 2018. Consumer...
Robert Bell
Nov 1, 2017
The FCA's take on your Christmas Bonus
As we enter into November it is probably the time of year you are planning your team’s Christmas bonus. You may decide to pay your bonus...
Victoria Bell
Oct 18, 2017
Staff Incentives and Remuneration for Consumer Credit Firms: A Quick Guide to the FCA's consulta
Keeping abreast of regulatory changes is vital for consumer credit firms, and can be particularly helpful for firms wishing to gain FCA...
Victoria Bell
Oct 3, 2017
After you've gained FCA Authorisation - What to consider next?
Gaining FCA authorisation is a vital step for consumer credit firms. However, once you have completed the journey to authorisation, it’s...
Robert Bell
Sep 21, 2017
FCA Authorisation for Consumer Credit Firms - A Guide
Authorisation is the cornerstone of the Financial Conduct Authority’s (FCA) regulatory regime. When you apply for authorisation you will...
Victoria Bell
Aug 23, 2017
FCA's Proposed New Remuneration Code Rules
The Financial Conduct Authority has opened a consultation on how consumer credit firms should manage risks related to how they pay or...
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