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Consumer Finance

Consumer finance expertise

Our experts are experienced in advising lenders and credit brokers on all aspects of consumer finance, including:

  • Advising on the regulatory perimeter
  • Securing FCA authorisation and varying permissions
  • Advising on ongoing compliance obligations, capital requirements
  • SMCR and the conduct rules, and the new consumer duty
  • Advising on the financial promotions regime
  • Drafting and reviewing consumer finance documentation
  • Providing specialist advice on technology-driven consumer finance and payment services businesses
  • Drafting appointed representative agreements
  • Resolving financial services disputes including complex and high-value consumer finance disputes, advising on FOS complaints and supporting clients through FCA investigations 

Why choose our expertise?

  • Our consumer finance experts include lawyers recommended in the legal directories, reflecting the quality and breadth of expertise in the industry.
    We have particular expertise and experience in the automotive sector and advise a number of motor retailers on their F&I sales processes and act for retailers facing misselling claims. We are an Associate Member of the National Franchised Dealers Association
  • Our experts provide businesses with solutions to complex regulatory issues and they have considerable experience in handling regulatory investigations and ensuring compliance on behalf of organisations and individuals
  • Our lawyers will ensure that your agreements are compliant with all consumer finance legislation and, by carefully drafting your agreements, we will ensure that they are not only fair, clear and not misleading, but also practical and commercial, enabling you to be confident in relying on and enforcing your agreements
  • Our specialist fintech lawyers provide cutting edge advice on all aspects of a technology-driven consumer finance business utilising their experience in providing practical, commercial and tailored advice to start-ups, growth stage and established lenders

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Financial legal insights

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  • Article

    Reversing the changes to the high net worth individual and self-certified sophisticated investor exemptions- What does this mean for you?

  • Article

    FCA announces work on motor finance – section 166 report and changes to the complaints process

  • Article

    Time to start your consumer duty annual board report

  • Article

    Changes to the high net worth individual and self-certified sophisticated investor exemptions - What does this mean for you?

  • Article

    The FCA publishes proposed guidance on the new anti-greenwashing rule

  • Article

    FCA v Whitestone and Seiler

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Contact us today

Whatever your legal needs, our wide ranging expertise is here to support you and your business, so let’s start your legal journey today and get you in touch with the right lawyer to get you started.


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