News and Insights

Expert views on industry developments and regulatory changes

Insights

Turning the SVR from loyalty penalty to customer conversion

Tue 18 Dec 2018

Are loyal mortgage borrowers being penalised? That was the question prompted by the Citizens Advice (CA) 'super complaint' lodged with the FCA back in September.

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Insights

Why mortgage lenders are trapped in the complaints cycle

Mon 03 Dec 2018

Mortgage lenders have been accused of treating complaint recording as a ‘tick box’ exercise by the FCA, we explore how they can turn this around using the FCA's eight recommendations. 

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Insights

Dear Jon, Yes, we'll embrace retrospective remediation but...

Thu 15 Nov 2018

FCA letter to CEO’s urges them to check whether they were compliant with new Affordability requirements and calls for lenders of high-cost short-term (HCST) credit to be proactive in remediating affected customers.

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Insights

Vulnerability: How to empower economically

Mon 22 Oct 2018

We explore how the financial industry can serve their most vulnerable users while also loaning responsibly.

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Insights

Consumer credit: preparing for regulatory change

Thu 18 Oct 2018

How will new regulations and a focus on affordability change the consumer credit market? We review the potential impact on firms and consumers alike. 

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Insights

Affordability: Overcoming the problem of financial exclusion

Tue 16 Oct 2018

Across the country reports are routinely surfacing of consumers who are unable to secure credit despite being able to demonstrate they can afford the repayments.

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