{"id":324383,"date":"2025-12-19T09:37:15","date_gmt":"2025-12-19T09:37:15","guid":{"rendered":"https:\/\/www.newsbeep.com\/uk\/324383\/"},"modified":"2025-12-19T09:37:15","modified_gmt":"2025-12-19T09:37:15","slug":"financial-regulation-in-the-know-consumer-finance-december-2025-financial-services","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/uk\/324383\/","title":{"rendered":"Financial Regulation – In The Know: Consumer Finance \u2013 December 2025 – Financial Services"},"content":{"rendered":"

<\/p>\n

AG<\/p>\n

<\/p>\n

Addleshaw Goddard<\/p>\n


\n <\/a><\/p>\n

More<\/p>\n


\n <\/p>\n


\n \"Addleshaw
\n <\/a><\/p>\n

Addleshaw Goddard is an international law firm, almost 250 years in the making. We’re trusted by over 5000 organisations, including 50 FTSE 100 companies, to solve problems, deliver deals, defend rights, comply with regulations and mitigate risk. Our work spans more than 50 areas of business law for clients across multiple industries in over 100 countries worldwide. And while the challenges our clients bring us may vary, we approach and solve them with the same, single-minded focus: finding the smartest way to achieve the biggest impact.<\/p>\n

<\/p>\n


\n In recent months, the consumer finance sector has experienced a wave of significant legislative and regulatory developments. \n <\/p>\n


\n United Kingdom
\n Finance and Banking \n <\/p>\n


\n To print this article, all you need is to be registered or login on Mondaq.com. \n <\/p>\n

Article Insights<\/p>\n

Rosanna Bryant\u2019s articles from Addleshaw Goddard are most popular:<\/p>\n

Addleshaw Goddard are most popular: <\/p>\n


\n within Environment, Privacy and Insurance topic(s) <\/p>\n

In recent months, the consumer finance sector has experienced a
\nwave of significant legislative and regulatory developments. A
\nseries of high-profile publications and announcements have brought
\nabout important changes that are set to reshape the landscape for
\nboth businesses and consumers. As the sector adapts to this dynamic
\nenvironment, it is crucial for market participants to stay informed
\nand understand the implications of these new rules and
\nrequirements. In this issue, we explore these legislative and
\nregulatory changes, highlighting their potential impact on the
\nconsumer finance industry and offering insights into what
\nbusinesses should be considering as they navigate this period of
\ntransformation.<\/p>\n

\"1721246a.jpg\"\/<\/p>\n

Renters’ Rights Act 2025: scope and implementation
\ndates<\/p>\n

The new Renters’ Rights Act 2025 is a significant
\nlegislation marking the greatest increase to renters’ rights in
\na generation. The Act introduces several implications for lenders,
\nprimarily by increasing operational and financial risk for
\nbuy-to-let landlords, which can affect the security and value of
\nmortgaged properties and the reliability of loan repayments. The
\nlong-awaited changes to the assured tenancy regime will be
\nimplemented in phases, beginning at the end of 2025. This article
\nsets out the scope of and timescale for the reforms to be brought
\ninto force and the impact for the buy to let sector. Private sector
\nlandlords (and their funders) will need to think about how they
\ncomply with the new assured periodic tenancy rules and to consider
\nthe operating impacts of the new regime.<\/p>\n

Read more here on the scope of and timescale for
\nthe reforms ><\/a><\/p>\n

Navigating the Public Authorities (Fraud, Error and Recovery)
\nAct 2025: key implications and challenges for deposit takers<\/p>\n

The newly introduced Public Authorities (Fraud, Error and
\nRecovery) Act 2025 will safeguard public money by reducing public
\nsector fraud, error and debt. The Act introduces new powers for
\nrelevant Government authorities which will impact authorised
\ndeposit takers i.e., banks and building societies. The Act creates
\nseveral compliance requirements for these institutions to help the
\nauthorities to counter public sector fraud.<\/p>\n

Read more on the key implications and
\nchallenges for deposit takers here ><\/a><\/p>\n

Motor Finance Consumer Redress- current concerns and status
\nupdate<\/p>\n

The Financial Conduct Authority’s (FCA) recently proposed
\ndraft rules for a motor finance consumer redress scheme have
\nattracted considerable scrutiny from across the industry.
\nStakeholders have voiced a range of concerns, notably the legal
\nbasis and proposed time period for the scheme, the rate of
\ncompensatory interest, the operationalisation of the scheme, the
\ncriteria for redress and whether those criteria have a legal basis,
\nand the short timeframe for the consultation, all of which present
\nsignificant challenges for firms seeking to respond effectively. In
\nrecognition of these issues, the FCA has issued a series of updates
\nand guidance designed to assist firms in understanding the
\nproposals and preparing for the potential implementation of the
\nscheme.<\/p>\n

Read more on the current concerns and status
\nof the proposed redress scheme here ><\/a><\/p>\n

Upcoming events<\/p>\n

For information on our upcoming training events including our
\nRegulatory Essentials programme, please visit our Financial Regulation page<\/a> on our website.<\/p>\n

The content of this article is intended to provide a general
\nguide to the subject matter. Specialist advice should be sought
\nabout your specific circumstances.<\/p>\n

[View Source] <\/a><\/p>\n","protected":false},"excerpt":{"rendered":" AG Addleshaw Goddard More Addleshaw Goddard is an international law firm,…\n","protected":false},"author":2,"featured_media":249,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[59,57,58,50,56,54,55],"class_list":["post-324383","post","type-post","status-publish","format-standard","has-post-thumbnail","category-united-kingdom","tag-gb","tag-great-britain","tag-greatbritain","tag-news","tag-uk","tag-united-kingdom","tag-unitedkingdom"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/324383","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/comments?post=324383"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/324383\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media\/249"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media?parent=324383"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/categories?post=324383"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/tags?post=324383"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}