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Huntswood reaction to FCA’s review of consumer credit PDF Print E-mail
Wednesday, 02 August 2017
Commenting, Matthew Drage, Head of Regulatory Development at the specialist resourcing and consultancy firm Huntswood, said:   “The FCA’s decision to leave the existing pay day loan price cap in place until 2020 is welcomed by the industry that has done much to improve transparency over pricing and its level of customer care since the FCA started regulating the sector.”

“The FCA’s outline of its priorities for the consumer credit market is in keeping with the FCA’s role to be transparent with the industry, giving a good indication on the future direction of travel for the regulator, with a particular focus now expected on the rent-to-own, home-collected credit and catalogue credit sectors.”

“The FCA has made it clear that creditworthiness comprises both credit risk and affordability, and both should be considered as standalone – the impetus remains on firms to define affordability and to take appropriate risk based measures.”
 
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