Consumer credit, mortgage and home finance

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Practice notes
Financial Conduct Authority—objectives and principlesThe role of the FCAThe Financial Conduct Authority (FCA) forms part of the regulatory structure...
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19th May
Practice notes
Threshold conditions under FSMA 2000This Practice Note provides a summary of the threshold conditions that apply to authorised firms, including firms...
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Produced in partnership with John Ahern 19th May
Practice notes
Application of the FCA's COBS 4 rulesBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
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19th May
Practice notes
Remuneration Code for BIPRU firmsBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit transition/implementation...
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19th May
Practice notes
Mortgage and home finance conduct of business—responsible lending, charges and arrears requirementsBREXIT: 11pm (GMT) on 31 December 2020 (‘IP...
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19th May
Practice notes
FCA—training and competenceBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit transition/implementation period...
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19th May
Practice notes
Financial Ombudsman Service—eligible complainantsBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
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19th May
Practice notes
Overview of UK implementation of the Consumer Credit DirectiveBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the...
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Produced in partnership with Sam Millar of DLA Piper and Tony Katz of DLA Piper 19th May
Practice notes
FCA client money rulesBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit transition/implementation period...
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19th May
Practice notes
FCA client classification requirementsBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
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19th May
Practice notes
The Financial Services Compensation SchemeBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
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Produced in partnership with Honor Levy of LexisNexis 19th May
Practice notes
COBS 4—exemptions in relation to UCIS and close substitutesBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
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19th May
Practice notes
FCA inducements rulesBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit transition/implementation period...
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19th May
Practice notes
Regulatory capital—purpose, quantity and qualityBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
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Produced in partnership with Morrison & Foerster 19th May
Practice notes
Brexit and financial services—the financial services contracts regime (FSCR)This Practice Note considers the financial services contracts regime...
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19th May

Most recent Consumer credit, mortgage and home finance content

Q&As
Can an individual authorise a third party to sign a regulated consumer credit agreement (such as a consumer hire agreement) on their behalf? If so,...
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1st Aug
Q&As
Will section 75 of the Consumer Credit Act 1974 apply to gambling activities funded through the use of a credit card?It appears that most credit card...
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31st Jul
Q&As
How can parties be removed from consumer credit agreement regulated secured loans? Is a modification agreement required?A joint consumer credit...
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31st Jul
Q&As
Would taking second charges from client directors (as an alternative to those directors providing personal guarantees) fall within the scope of the...
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31st Jul
Q&As
Under article 60F(2) of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001, payments must be made within twelve months. How...
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31st Jul
Q&As
Does the settlement date (28 days/later date if requested) in the Consumer Credit (Early Settlement) Regulations 2004, SI 2004/1483, apply to loans...
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Produced in partnership with Thomas Samuels of Gough Square Chambers 31st Jul
Q&As
Does a request submitted via an online portal constitute 'in writing' for the purposes of the Consumer Credit Act (in particular section 97), and...
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31st Jul
Q&As
What information would it be useful to consider when looking at issues surrounding financial promotion?BREXIT: 11pm (GMT) on 31 December 2020 (‘IP...
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31st Jul
Q&As
What happens if pre-contractual information is not supplied?BREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
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31st Jul
Q&As
What happens if a default notice is not served on a borrower?What is a default notice?A default notice is a notice that must be served on a borrower...
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31st Jul
Q&As
What happens if a lender incorrectly charges interest on a credit agreement?BREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the...
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31st Jul

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