By Harry Charalambous, Principal Consultant at Broadstone The motor finance redress landscape remains uncertain. The FCA motor finance redress scheme is partially suspended while four legal challenges progre...
Credit Risk & Lending
By Harry Charalambous, Principal Consultant at Broadstone This article reflects Broadstone’s views on developments in AI and credit risk management and is provided for information purposes only. The...
By Harry Charalambous, Principal Consultant at Broadstone Summary Regulatory redress has become one of the most significant operational and governance challenges facing lenders. As firms respond to compla...
By Paul Matthews, Senior Director of Risk The FCA has launched a major consultation on the future of the UK’s Credit Information Market, proposing reforms designed to improve the coverage, quality and use of...
We assessed climate change risk for mutual insurers’ current asset portfolios. On average, the cumulative underperformance – meaning the extent to which investment returns were lower than expected due to...
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...
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...
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...
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...
