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2026 is shaping up to be the year the motor finance sector moves decisively from regulatory debate into operational delivery. The FCA consultation has closed, final rules are expected in early 2026, and firms are planning on complaints coming off hold in May. That combination creates a familiar (and uncomfortable) dynamic: the industry has enough clarity to know what’s coming, but not enough detail to wait comfortably. For many firms, the risk now is not whether they will be

Three weeks in, and with three left before submissions close, the FCA’s Motor Finance Consultation is gathering pace. With the FCA’s Chief now in Detroit seeking global support, attention has shifted from what to how: how feasible, how fair, and how fast firms can deliver redress at scale. Our latest blog explores what’s changed, what’s next, and how lenders can stay ready as the race for redress continues.

The FCA’s long-awaited consultation on motor finance redress has ignited intense debate across the industry. With billions in potential compensation and far-reaching operational implications, firms now face critical decisions on data, governance, and readiness. In this edition of The Bottom Line, we explore what the consultation means for lenders, how to prepare, and where the next challenges may arise.

The Supreme Court’s long-awaited decision in Johnson, Wrench  and Hopcraft  has now been delivered. For many in the motor finance sector,...