Consumer credit, mortgage and home finance

View Financial Services by content type:

Latest Financial Services News

Featured Financial Services content

Practice notes
Financial Conduct Authority—Principles for Businesses (PRIN)This Practice Note explains the Principles for Businesses (PRIN) set down by the Financial...
Read More >
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...
Read More >
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...
Read More >
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...
Read More >
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...
Read More >
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...
Read More >
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...
Read More >
19th May
Practice notes
FCA client classification requirementsBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
Read More >
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...
Read More >
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...
Read More >
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...
Read More >
19th May
Practice notes
The Financial Services Compensation SchemeBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
Read More >
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...
Read More >
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...
Read More >
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...
Read More >
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...
Read More >
Produced in partnership with Jacqui Hatfield of Orrick, Herrington & Sutcliffe 19th May

Most recent Consumer credit, mortgage and home finance content

Practice notes
Time ordersA debtor under a regulated consumer credit agreement, a consumer hire agreement or a regulated mortgage contract (RMC) may be granted more...
Read More >
11th Aug
Practice notes
Responsible lending requirements—CONC 5BREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
Read More >
Produced in partnership with Jacqui Hatfield of Orrick, Herrington & Sutcliffe 11th Aug
Practice notes
Action for damages under FSMA 2000This Practice Note explains the rights held by certain categories of person to sue authorised firms in circumstances...
Read More >
11th Aug
Practice notes
Enforcement action for non-compliant financial promotionsBREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit...
Read More >
11th Aug
Practice notes
Cancellation and withdrawal provisions for consumer credit and hire agreementsIntroductionCoronavirus (COVID-19) has had a significant impact on the...
Read More >
Produced in partnership with Russell Kelsall LLB (Hull); LPC (Shef) of TLT 11th Aug
Practice notes
FCA debt management client money requirementsBackground to the FCA’s client money requirements in relation to debt management firmsIn December 2012,...
Read More >
Produced in partnership with Marcus Bonnell and Rachael Ellis of RPC 11th Aug
Practice notes
Green Deal—financeThe Green DealThe Green Deal is a scheme, originally designed by the government, now backed by private investors, that enables...
Read More >
11th Aug
Practice notes
Green Deal—marketingThe Green DealThe Green Deal is a scheme, originally designed by the government, now backed by private investors, that enables...
Read More >
11th Aug
Practice notes
Green Deal—issues for the private rented sectorThe Green DealThe Green Deal is a scheme, originally designed by the government, now backed by private...
Read More >
11th Aug
Q&As
Where a creditor has the right to change the interest rate on a CCA regulated mortgage/secured personal loan, do they have to notify each party to the...
Read More >
Produced in partnership with Thomas Samuels of Gough Square Chambers 11th Aug
Q&As
Does section 75 of the Consumer Credit Act 1974 give full protection to a cardholder for breach of contract when booking services used by the...
Read More >
11th Aug
Q&As
If a Consumer Credit Act 1974 (CCA 1974) secured loan is modified post 31 October 2004, will it become a regulated mortgage contract? Will the...
Read More >
Produced in partnership with Russell Kelsall LLB (Hull); LPC (Shef) of TLT 11th Aug
Q&As
Is a modifying or new agreement required where a lender agrees to extend the term over which a Regulated Consumer Credit Agreement is to be paid by...
Read More >
Produced in partnership with Russell Kelsall LLB (Hull); LPC (Shef) of TLT 11th Aug
Q&As
Is it permissible to have joint bank accounts for up to five users? If so, is there any legislation governing it? Alternatively, if this is not...
Read More >
Produced in partnership with Russell Kelsall LLB (Hull); LPC (Shef) of TLT 11th Aug
Q&As
If an individual (customer) signs but does not date a regulated credit/hire agreement (within the meaning of the Consumer Credit Act 1974) but the...
Read More >
11th Aug
Q&As
Is there an exemption to having a consumer credit licence for short term agreements?BREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’)...
Read More >
11th Aug
Q&As
Are there any restrictions on terminating an open ended consumer credit agreement that does not contain any express right of termination?BREXIT: 11pm...
Read More >
11th Aug

Popular documents