Robert Bell

Deferred Payment Credit (DPC), or Buy Now Pay Later (BNPL) as it’s more commonly known, will fall under Financial Conduct Authority (FCA) regulation from 15 July 2026 . From ‘regulation day’, DPC lenders will need to either be authorised or have a temporary permission, and must comply with the FCA’s suite of rules, guidance and principles. Final rules  have now been published. Agreements will be regulated where: The lender and the supplier of goods or services are not the same authorised firm...

We’ve all been there, forced to complete mandatory compliance e-learning. Clicking through slide-after-slide, no interaction, not really learning anything. But it shouldn’t be that way. This article explains the five steps you can take to ensure your e-learning is the best in class, just like our own off the shelf e-learning provision. First let’s look at the benefit of e-learning, it really has huge potential. Done well, it’s flexible, scalable, and genuinely engaging. Done badly, as...

5 things to avoid when applying to the FCA