Credit Risk & Lending

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Credit Risk & Lending

Unlocking the Power of Management Information for MGAs

Managing General Agents (MGAs) are operating in a market that is evolving rapidly. Regulatory expectations are rising, competition is intensifying, and carriers are demanding greater transparency. In this envir...

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Credit Risk & Lending

Two Years of Consumer Duty – What the FCA Expects from Firms Now

Two years have passed since the FCA’s Consumer Duty came into force in July 2023, setting a new benchmark for customer protection across financial services. The Duty requires firms to deliver good outcomes in f...

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Credit Risk & Lending

FOS Reports Surge in Irresponsible Lending Complaints – What Firms Need to Do on Remediation

The Financial Ombudsman Service (FOS) has reported its highest case volumes in six years. In 2024/25, consumers lodged 305,726 complaints – a 54% increase on the 198,798 recorded in 2023/24, and the highest lev...

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Credit Risk & Lending

Motor Finance Redress: What the 1 August Ruling Means – and What Lenders Should Be Doing Now

On Friday 1 August 2025, the UK Supreme Court issued a landmark judgment on commission arrangements in the motor finance sector. This ruling followed an earlier Court of Appeal decision that raised alarm across...

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Credit Risk & Lending

Navigating the Green Maze: What the PRA’s 2025 Climate Risk Consultation (CP10/25) Means for Financial Institutions

The winds of change are blowing, and they are carrying more than just leaves. The climate agenda in financial services has just taken a decisive turn with the release of Consultation Paper CP10/25 on 30 April 2...

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Credit Risk & Lending

Unlocking AI’s Potential in Consumer Lending: Why Model Monitoring is Essential

Artificial intelligence (AI) and machine learning (ML) are revolutionising consumer lending, offering lenders the ability to enhance decision-making, improve risk assessment, and optimise customer experiences. ...

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Credit Risk & Lending

Staying Ahead – Key Insights from the PRA’s SS1/23 and Beyond

The evolving regulatory landscape presents ongoing challenges for financial institutions in managing model risk effectively. The PRA’s Supervisory Statement SS1/23 offers essential guidance on strategic governa...

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Credit Risk & Lending

Navigating IFRS 9 ECL – Insights from the PRA Dear CFO Letter

The dynamic landscape of regulation and risk management presents ongoing challenges for banks and building societies. A key area of focus within this landscape is the IFRS 9 Expected Credit Loss (ECL) framework...

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Credit Risk & Lending

The Credit Risk AI Transformation

Artificial Intelligence (AI) has emerged as one of the most transformative technologies of our time, reshaping industries and creating new possibilities for businesses.  In the financial services sector...

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