Consumer credit regime

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Practice notes
Financial Conduct Authority—Principles for Businesses (PRIN)This Practice Note explains the Principles for Businesses (PRIN) set down by the Financial...
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19th May
Practice notes
Exempt consumer credit agreements under the FSMA 2000 (Regulated Activities) Order 2001This Practice Note seeks to explain the types of agreements...
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Produced in partnership with Rebecca Kellner of Orrick, Herrington & Sutcliffe and Jacqui Hatfield of Orrick, Herrington & Sutcliffe 19th May
Practice notes
Interaction between the PRA, FCA and FPCBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
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19th May
Practice notes
Second Wire Transfer Regulation (EU WTR2 and UK WTR2)—essentialsThe Second Wire Transfer Regulation (EU) 2015/847 (WTR2), also known as the Funds...
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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
What are regulated activities?Under the general prohibition a person cannot carry out a regulated activity, or purport to carry out a regulated...
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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
SM&CR—Statements of Responsibility (SoRs)Banks, building societies, credit unions, PRA-regulated investment firms and insurers are required to file a...
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19th May
Practice notes
EMIR REFIT and EMIR 2.2 roadmapRegulation (EU) 2019/834 (OJ L 141/42) (EU EMIR REFIT) was published in the Official Journal of the EU on 28 May 2019...
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19th May
Practice notes
The European Systemic Risk BoardBREXIT: 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
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
Financial Services Compensation Scheme (FSCS)—the qualifying conditions for compensationThis Practice Note covers the conditions necessary for the...
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Produced in partnership with Honor Levy of LexisNexis 19th May
Practice notes
The Single RulebookBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit transition/implementation period entered...
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Produced in partnership with DLA Piper 19th May
Practice notes
Unregulated collective investment schemes—essentialsWhat are unregulated collective investment schemes?In the UK, an unregulated collective investment...
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Produced in partnership with Lora Froud of Macfarlanes 19th May
Practice notes
Responsible lending requirements—CONC 5BREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
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Produced in partnership with Jacqui Hatfield of Orrick, Herrington & Sutcliffe 19th May

Most recent Consumer credit regime content

Practice notes
The Money Laundering Reporting Officer (MLRO)OverviewThe requirements to have robust systems and controls in a regulated firm to prevent money...
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24th Sep
Practice notes
Introduction to the UK AML/CTF legal and regulatory framework for financial servicesThis Practice Note focuses on the elements of the UK’s anti-money...
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24th Sep
Practice notes
Operating an electronic system in relation to consumer lendingBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the...
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Produced in partnership with Jacqui Hatfield of Orrick, Herrington & Sutcliffe 20th Sep
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...
Read More >
Produced in partnership with Sam Millar of DLA Piper and Tony Katz of DLA Piper 20th Sep
Practice notes
Regulatory reporting requirements for consumer credit firmsBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
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20th Sep
Practice notes
The regulation of high-cost short-term creditBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
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20th Sep
Practice notes
Exempt consumer credit agreements under the FSMA 2000 (Regulated Activities) Order 2001This Practice Note seeks to explain the types of agreements...
Read More >
Produced in partnership with Rebecca Kellner of Orrick, Herrington & Sutcliffe and Jacqui Hatfield of Orrick, Herrington & Sutcliffe 17th Sep
Practice notes
FCA authorisation of consumer credit firmsBackground to the FCA consumer credit authorisation regimeSince 1 April 2014 the UK Financial Conduct...
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9th Sep
Practice notes
Regulated activities relating to the provision of credit information services and credit referencesBREXIT: 11pm (GMT) on 31 December 2020 (‘IP...
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Produced in partnership with Jacqui Hatfield of Orrick, Herrington & Sutcliffe 8th Sep
Practice notes
Regulated activities relating to consumer creditBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
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8th Sep
Q&As
Do you have any content on exemptions to the consumer credit regime—loans to family?BREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’)...
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8th Sep
Practice notes
Regulated activities—credit brokerCredit brokerage under the consumer credit regimeSince April 2014, the regulation of consumer credit in the UK has...
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Produced in partnership with Jacqui Hatfield of Orrick, Herrington & Sutcliffe 8th Sep
Practice notes
Passporting and consumer creditBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit transition/implementation...
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Produced in partnership with Jacqui Hatfield of Orrick, Herrington & Sutcliffe 8th Sep
Q&As
Now that the FCA is in control of consumer credit, can you advise of the changes businesses will face compared to the previous regulator?BREXIT: 11pm...
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8th Sep
Q&As
What guidance do you have on making an application to the FCA to become an authorised consumer credit firm? In particular in relation to compliance...
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8th Sep
Practice notes
FCA: Embedding TCF in the culture of a firmBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
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3rd Sep
Practice notes
Redress mechanisms for consumer card paymentsThis Practice Note considers the redress mechanisms for consumer card payments under section 75 of the...
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24th Aug
Q&As
I have a client who wishes to lend money to someone and take security of that person’s property. Could you point me to the consumer credit and...
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20th Aug
Practice notes
Systems and controls to prevent money laundering and counter terrorist financingBREXIT: The UK’s exit from the EU and the end of the implementation...
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20th Aug

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