FCA & Consumer Credit Regime DWF help you navigate through the changes.

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Archives: January 2015

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FCA issues guidance on guarantor loans

The Guidance sets out the FCA’s views on enforcing guarantees given in respect of regulated agreements subject to the Consumer Credit Act.

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Direct Debit Indemnity Scheme to Change – For The Better

The scheme will bring about a change to the counterclaim and challenge procedures. For the first time, the challenge process gives the lender the opportunity to prevent the reclaim of funds in instances where the claim made was a fraud …

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P2P tax getting easier – for the platform

As a disruptive technology to the banking system, P2P platforms stand outside some of the tax rules drawn up specifically for banks and building societies. UK withholding tax at 20% could apply to borrowers and platforms, and HMRC are reviewing …

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P2P tax getting easier – for the lender

Lending on P2P platforms has become an everyday decision, almost like opening a savings account or building up a retirement portfolio of bond funds. Of course there is investment risk to P2P, but a little known trap (until it bites) …

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Driving Sales Growth through Credit Products: A New Regulatory Burden for Dealers and Retailers?

For consumers, the seemingly endless and relatively easy availability of credit has become a feature of everyday life.

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FCA & Consumer Credit Regime DWF help you navigate through the changes.