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.

Supreme Court Rules In Undisclosed Commissions Case

On 1 August, the Supreme Court gave its eagerly anticipated ruling in Johnson v FirstRand Bank Ltd, Wrench v FirstRand Bank Ltd and Hopcraft v Close Brothers Ltd [2025] UKSC 33.

United Kingdom Finance

LS

Lewis Silkin

Motor Finance Commissions: Implications And Outcomes

The Supreme Court judgment in Johnson v FirstRand Bank Limited (London Branch) t/a MotoNovo Finance addresses the lawfulness of undisclosed...

United Kingdom Finance

BJ

Browne Jacobson

U.K. Motor Finance Ruling: Where Next For The FCA?

On Friday 1 August, the Supreme Court allowed the appeal of lenders, finding that (i) credit brokers do not owe a fiduciary duty when they recommend finance to car buyers...

United Kingdom Finance

A

AlixPartners

Commission Not Impossible: No Bribery Or Fiduciary Breach In Car Finance Commission Case

In a significant decision for the car finance industry, the UK Supreme Court has decided that lenders who financed car loans were not liable to their customers for bribery for failing to obtain their informed consent to commission payments made by the lenders to the dealers arranging the finance.

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

BNPL: Financial Services And Markets Act 2000 (Regulated Activities Etc) (Amendment) Order 2025 Made

United Kingdom Finance

LS

Lewis Silkin

Islamic Finance And The Consumer Credit Act: Addressing Terminology And Interest Prohibitions

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

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

Unlocking The Future Of Solar Energy In The UK (Podcast)

United Kingdom Energy

GW

Gowling WLG

If A Child Has An EHCP In Place, Do They Also Need A Care Plan? (Video)

United Kingdom Litigation

AG

Anthony Gold Solicitors LLP

The NHS And AI Scribes

United Kingdom Privacy

SW

Spencer West

ThinkHouse TUPE Club: Key Questions On A Service Provision Change (Video)

United Kingdom Employment

GW

Gowling WLG

In Conversation With Kevin Nash: The LCIA And The Future Of Institutional Arbitration (Podcast)

United Kingdom Litigation

KL

Herbert Smith Freehills Kramer LLP

UK Government Confirms Plans To Regulate "Buy Now Pay Later" Products

Following consultation, the UK government has laid before parliament the Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025...

United Kingdom Consumer

LS

Lewis Silkin

Goodbye Old Friend? HM Treasury Consultation On Consumer Credit Act 1974 Reform

It's here at last—well, the next set of steps towards a brave new dawn for consumer credit, at least.

United Kingdom Consumer

AO

A&O Shearman

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

United Kingdom Finance

M

Macfarlanes LLP

FCA Consumer Credit Reporting Changes For Some Regulated Activities

United Kingdom Consumer

D

Devonshires

The Growth Of Asset-based Finance In Private Credit Markets

United Kingdom Finance

M

Macfarlanes LLP

The Supreme Court Hears Motor Finance Test Case

United Kingdom Finance

M

Macfarlanes LLP

FCA Strategy For 2025 And Beyond

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

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

Yesterday we hosted our AML and Consumer Credit seminar to coincide with the launch of our new Financial Services Regulation team. We've collated our top 5 takeaways from the seminar below.

United Kingdom Finance

D

Devonshires

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

United Kingdom Litigation

JL

Johnson Law Group

Fintech, Digital Assets, Payments And Consumer Credit | UK Regulatory Outlook July 2024

The UK's King's Speech highlighted new policies affecting businesses, including updates for the financial services sector. The Payment Systems Regulator (PSR) issued a policy statement on compliance with the FPS APP scams reimbursement requirement, detailing PSP obligations for reporting and consumer protection. Feedback is sought on draft guidance and a call for information on BigTech and digital wallets. The PSR also launched a consultation on assessing APP claims related to civil disputes...

United Kingdom Technology

OC

Osborne Clarke

High Court Rejects Misselling Claim In Respect Of Fixed Interest Rate Loans

In Farol Holdings Limited & Ors v Clydesdale Bank PLC & National Australia Bank Limited [2024] EWHC 593 (Ch), the High Court dismissed claims of fraudulent or negligent misrepresentation and upheld Clydesdale Bank's right to charge break costs on early loan repayments. The court ruled that Clydesdale's practices were lawful and standard industry practice, reinforcing the contractual terms and lenders' rights.

United Kingdom Finance

NR

Norton Rose Fulbright Hong Kong

Fintech, Digital Assets, Payments And Consumer Credit | UK Regulatory Outlook April 2024

On 12 March 2024, HM Treasury published a near-final version of the Payment Services (Amendment) Regulations 2024, which aim to delay payments processing when there are reasonable grounds to suspect fraud or dishonesty.

United Kingdom Finance

OC

Osborne Clarke

Fintech, Digital Assets, Payments And Consumer Credit | UK Regulatory Outlook March 2024

Treasury Committee highlights levels of SME bank account closures by major banks | FCA's key findings of review of claims management companies carrying...

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

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

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