In today’s bulletin:
- General update
- April is nearly upon up and the changes that come with the new tax year
- Joint FCA and ICO statement around consumer vulnerability
- FCA Annual Work Programme 2026/27
- Data & AI governance
- Individual insolvencies by location, age and gender 2025
- FCA sets out plans for using AI to speed up authorisations
- Operational resilience – FCA feedback one year on
- Non-Financial Misconduct (NFM) – Ready for September 2026?
- Collaborations
- Events
General Update
The updated FCA-approved MaPS Standards and supporting toolkits will come into effect next Wednesday 1 April 2026. The new SFS figures also take effect very soon.
Link: https://maps.org.uk/en/about-us/money-and-pensions-service-standards
Community Money Advice is coming alongside the charity Christians Against Poverty (CAP) under the umbrella of a newly formed CAP Group
My thanks to Colin Trend for this update. Community Money Advice (CMA) has announced that they are coming alongside Christians Against Poverty (CAP), under the umbrella of ‘the CAP Group’, to form the UK’s largest specialist community-based debt advice charity. The group, in which CMA and CAP will remain as separate charities, will be able to offer free, regulated and compassionate debt advice through an expansive network of 380 dedicated centres hosted in local churches and community organisations across the UK.
Link: https://www.communitymoneyadvice.com/news-media/cma-news/cma-update
Middle East conflict
The war in the Middle East continues to dominate headlines with the knock-on impact on the economy and inflation. Ofgem has a headline story on its website entitled “What the situation in the Middle East means for your energy bills”.
Link: https://www.ofgem.gov.uk/news/what-situation-middle-east-means-your-energy-bills
Ofgem wants to be clear about what this means for consumers right now. In the short term, households on standard variable tariffs are protected by the energy price cap until the end of June 2026. This means suppliers cannot charge more than the cap allows, even if wholesale prices rise during this period.
There is no clarity beyond this point, which is not unexpected.
The Debt Relief Scheme (‘consumer protection’) consultation opened on 6 November 2025 and closed on 19 December 2025. Further updates are awaited. This may initially benefit consumers eligible for means-tested-benefits on historic energy debts. This was meant to be implemented in ‘early 2026’. We are now fast approaching Q2.
This will be a topic of discussion at the Vulnerability Registration Service (VRS) conference in Nottingham on 7 May 2026. My breakout session includes Ofgem, CCW and GamCare.
“How Councils Can Use Administrative Data to Support the Delivery of the Crisis and Resilience Fund (CRF)”
Interesting post by InBest AI.
- “Across the UK, 7m households miss out on thousands of pounds each year in unclaimed benefits, discounts, and grants. Helping residents maximise their income is one of the most effective and practical ways to deliver local support aligned with the CRF, and a core resilience outcome under the fund.”
- “Administrative data enables councils to identify and target residents who may be missing support, and reach them earlier before problems escalate.”
Unfortunately, Manu Peleteiro can’t make the Affordability Summit on 14 April 2026 in Manchester where we are running an income optimisation session with Rob Johnson from Policy in Practice, Lee Healey from IncomeMax and Tracey Stone from Welfare Together. Sam Manning from Hope Macy will complete the panel, facilitated by Chris Warburton.
Link: https://inbest.ai/how-councils-can-use-administrative-data-to-support-the-delivery-of-the-crf/
Clear, Fair, Understandable?
I had a good catch-up with Peter Tutton:
https://www.linkedin.com/posts/stepchange-debt-charity_earlier-this-week-we-publishedclear-fair-activity-7442879959242616832-LSYv?utm_source=share&utm_medium=member_desktop&rcm=ACoAAABP-EgBEHzfYCHF3j4_r96GdrfYHZonAlw
and Sarah Cheetham from StepChange in March 2026. Earlier this week they published ‘Clear, Fair, Understandable?’, a briefing based on our Freedom of Information research into how councils communicate with residents who fall behind on council tax. The findings point to a significant postcode lottery in how arrears are handled.
This comes as the FCA has placed increased focus on ‘consumer understanding’ and the intelligibility of key communications.
They found that 17% of councils had used prison proceedings to recover council tax debt since 2020, with 1,528 cases in total. This is despite just 4 prison sentences being handed down in the same period. 5% of councils mention imprisonment in the very first letter sent after a missed payment. The implicit, or in some cases explicit, threat of prison can deter people from engaging and seeking help when they fall behind.
Local authorities have a duty to communicate the steps they may take to recover arrears, but there is a clear difference between explaining the process and using it as a threat.
- 82% of local authorities who responded to the FOI request mentioned court summons in their first letter to residents in arrears
- This rises to 98% by the final letter
- Many letters lack any signposting to debt advice, payment plans, or discretionary support options
Council tax is one of the most common debt types for StepChange clients who approach for debt advice. There are some clear calls to action.
StepChange has also published its March 2026 newsletter. They have also published their 2025 Impact Report, including a one page Infographic.
Link: https://www.stepchange.org/policy-and-research/clear-fair-understandable.aspx
Link: https://www.linkedin.com/pulse/march-2026-stepchange-news-views-stepchange-debt-charity-3ddee/
Link: https://www.stepchange.org/Portals/0/23/Reports/impact-report-25/stepchange-how-we-helped-people-in-2025.pdf
Accessible Cards Code of Practice
Designed to help customers with accessibility needs or impaired vision use payment cards in store and online, UK Finance has today launched new guidelines for card issuers on accessible payment cards to improve inclusivity for consumers.
The Code has been developed in collaboration with the RNIB, British Dyslexia Association and other accessibility organisations, and sets out standards and guidance for card issuers to make payment cards more accessible. It includes helping customers identify payment cards through features such as notches and high-contrast cards, whilst still ensuring cards are secure, their use is protected and costs are managed. It will also support people to identify their cards when using digital wallets.
Worthy of further coverage.
Lowell FVI
Ahead of the Affordability Summit where Lowell with be presenting, they have published their latest Financial Vulnerability Index (FVI).
John Pears, UK CEO of Lowell:
“The direction of travel is positive, but we can’t afford to lose that momentum. With affordability pressures still acute, many consumers remain in a fragile financial position. Now more than ever, we need to ensure those experiencing vulnerability are not only identified, but supported in ways that truly make a difference. That means embedding practical, responsive solutions across the credit ecosystem — from lenders to debt purchasers — so people can access the help they need, when they need it most.”
Link: https://www.lowell.com/fvi
Designing fintech for reality, not for ideal users
Interesting article by Mark at IE Hub ahead of the Affordability Summit where Dylan and Mark are speaking. Including:
“Vulnerability is the backdrop against which millions of people manage their money, seek help, and try to navigate systems that aren’t always built with them in mind. According to the UK government, nearly half of all adults show one or more characteristics of vulnerability. These may be permanent or temporary, obvious or invisible. But they all have one thing in common: they shape how people interact with financial services.”
VRS new website, including Conference link
Link: https://www.vulnerabilityregistrationservice.co.uk/
Link: https://www.vulnerabilityregistrationservice.co.uk/press/vrs-update-march-2026
Economic Abuse and building financial resilience through raising awareness
As covered in recent DEMSA bulletins, economic abuse and coerced debt will assume greater importance for debt resolution and debt advice firms into 2026. PayPlan has now posted on this alongside the DEMSA commissioned article by Emma Gibbons.
They have published a Blog on how consumers can protect themselves from fraud.
Link: https://www.linkedin.com/pulse/economic-abuse-building-financial-resilience-through-raising-awareness-iu3mf/
Link: https://www.linkedin.com/pulse/how-protect-yourself-from-fraud-report-payplan-xymke/
ECB vulnerability consultation response
DEMSA responded.
Preparing for the new tax year from April 2026
I have posted on this. Council tax rises by 4.9% on average for households across England in 2026-27, outpacing inflation which remains at 3% in the year to February. Water and sewerage bills go up by 26% on average from 1 April. The impact is highly differentiated by location. The ‘cost-of-living’ remains a very big concern for many individuals and households on more modest incomes.
From 1 April 2026 the average council tax for a Band D property will increase to £2,392 a year, up £111 on 2025-26. This includes adult social care precepts in areas with social care responsibilities. The average increase per household would be £2.14 a week. Typical Water charges are rising from 1 April by 26% to an average of £603 a year (combined water and sewerage services), an increase of £123.
Councils which have a legal responsibility to look after vulnerable people are allowed to increase tax by up to 4.99% (2.99% for core expenditure, plus 2% for social care). Councils without social care responsibilities can raise their bills by 2.99%.
The pre-war UK inflation rate stayed at 3% in the year to February 2026 as lower fuel prices were offset by a big increase in the annual cost of education. The ONS said school fees and transport costs contributed most to the rise. Recent volatility in oil prices will be causing concern.
The stark figures from ONS showed the average price of petrol was 131.6p per litre in February (Diesel – 141.1p). By 27 March 2026, average petrol price was reportedly 137.2p a litre (Diesel – 143.6p) according to RAC data. Wholesale prices will have risen further.
DEMSA recently covered a PayPlan article entitled “Living on narrow margins: The new shape of household finances”.
The impact of freezes on tax free thresholds and rising water charges will also take effect in April 2026. The disposable income and expenditure of many consumers is being squeezed from all angles.
- UK government extended the freeze on income tax personal allowances and thresholds until at least April 2030
- Water bills in England and Wales rising by 26% on average from 1 April 2026, with large regional variations
- Households will see average gas and electricity bills rise by 6.4% from April 2026 after the energy regulator increased its price cap
The FCA is pushing for firms to be more pro-active in looking out for customers in problem debt or showing signs of financial stress. Notably, the sector-based priorities from March 2026. Identifying affordability stress and problem debt is just as important as considering existing vulnerability. A customer can be equally vulnerable by virtue of their financial situation, notably where households have little or no savings, fluctuating income, benefit dependency and low financial resilience.
For those already in debt remedies like a DMP and IVAs, April is often the time to undertake annual reviews which creates a potential tension. Costs have risen very steeply and disposable income falls; all income and expenditure figures need to be carefully checked for realism. My thanks to Emily at National Debtline who highlighted that 2 in 5 people (38%) who called National Debtline in 2024 had a negative budget, meaning there was not enough money coming in to cover their priority living costs and debt repayments.
Joint FCA and ICO statement on regulatory expectations regarding firms’ approaches to vulnerability related data
I have posted on this. The joint statement from the FCA and the ICO that we had been expecting in March 2026, has now been published. It gives greater clarity on how regulated firms should use and share data about consumers with characteristics of vulnerability. The statement sets out how firms can support vulnerable consumers while complying with data protection law and the Consumer Duty. This is highly relevant to firms considering a more strategic approach to data around vulnerability, affordability and debt resolution.
The FCA and ICO have come together to clarify how firms should use and share information about customers who may have characteristics of vulnerability. For example, this can include using health information, life events, or details about a person’s circumstances to help identify and support them. This is the first joint statement published by the FCA and ICO and highlights how firms can meet their obligations under the Consumer Duty while also complying with data protection law.
Both the FCA and the ICO are presenting at the Vulnerability Registration Service (VRS) Conference on 7 May 2026, where this will be a topic of active discussion. The FCA has published 14 examples in Annex 1 which explain how firms can use and share vulnerability-related data in real-world scenarios.
ICO statement:
“When a customer is in a vulnerable situation, a lack of action can quickly lead to serious harm. Our guidance, including on special category data and data sharing, provides the regulatory certainty firms need to use this information responsibly. Working with the FCA and through our participation in the Vulnerability Registration Service Conference, we are helping ensure firms can act with confidence and care to better support vulnerable customers.”
Link: https://www.fca.org.uk/publications/corporate-documents/joint-fca-and-ico-statement-regulatory-expectations-regarding-firms-approaches-vulnerability-related-data
Link: https://mortgagesoup.co.uk/morganash-launches-calculator-to-help-firms-estimate-scale-of-customer-vulnerability/
FCA work programme for 2026/27
I have posted on this. The FCA has published its March 2026 Regulatory Update today and a number of other communications. The FCA annual work programme 2026/27 should be reviewed in the round, alongside the separate article on their plans for using AI to speed up authorisations (see below), the FCA strategy for 2025-2030 and the sector-based Regulatory Priorities from 19 March 2026.
I have focused on the strategic objective around “Helping consumers navigate their financial lives”. The FCA will update the credit information market study in 2026/27. This includes building a more complete picture of consumer debts and improving the functioning of debt solutions and debt advice. That speaks directly to many of the issues DEMSA firms wrestle with every day.
The thrust remains around firms pro-actively supporting consumers where they experience changes in circumstances and problem debt, but also on prevention and consideration of their long-term financial health. This is likely to intersect with financial resilience, affordability and vulnerability.
DPC/BNPL coming under FCA supervision is likely to be closely aligned with more innovation and safeguards around those already in problem debt or showing signs of affordability stress.
The FCA has committed to implement rules and support industry-led initiatives to improve consumers’ credit information, notably working with firms on prioritising the implementation of recommendations from the Credit Information Market Study.
Data & AI Governance – Do you have a strategy or key frameworks?
I have posted on this ‘hot topic’. Many of you will have received an email from the ICO this week around the company’s use of AI, setting out some expectations. (I received mine on 25/3/2026). They refer to the need for stronger AI literacy across senior leadership teams, the value of embedding AI considerations into governance frameworks, and the importance of documenting decisions around AI deployment.
On 9 March 2026, I posted a Blog entitled “ AI risk management: why Boards must lead the charge in 2026 ”. My thanks to Natasha Donnelly:
https://www.linkedin.com/in/natashadonnelly/
for the many discussions on this.
Good data governance manages the availability, usability, integrity, and security of data. It is the foundation for all good systems and decisions.
- Data Quality & Stewardship : Ensuring data is accurate, consistent, and well-managed.
- Security & Compliance : Protecting data and meeting regulatory requirements (GDPR, DPA 2018, FCA rules).
- Access & Privacy : Making sure the right people can use the right data in the right way.
- Lifecycle Management : Setting rules for data retention, archiving, and deletion.
AI governance oversees the processes, policies, and AI systems/platforms.
- Ethical AI & Bias Mitigation : Ensuring fairness and minimising the risk bias in AI models.
- Transparency & Explainability : Ensuring AI decisions are traceable and understood.
- Accountability : Defining roles & responsibilities for AI outcomes, especially in regulated markets like debt resolution and financial services.
- Risk Management : Managing the unique risks posed by AI, such as hallucinations or unexpected behaviour.
Very interesting topic with the FCA and ICO issuing their joint statement (see above) on regulatory expectations around vulnerability-related data. The FCA has also set out plans for using AI to speed up authorisations (see further below). Firms need to be thinking about this with much greater urgency as AI use becomes mainstream across many teams and workflows.
Last week, the ICO joined fellow regulators at the Digital Regulation Cooperation Forum (DRCF) AI Forum to explore the transformative power of agentic AI. Discussions focused on the opportunities and the governance challenges posed by increasingly autonomous and interconnected systems.
Link: https://www.linkedin.com/pulse/ai-risk-management-why-boards-must-mykse/?trackingId=Lh3OZiSeQ1mwlGYbLYJiFQ%3D%3D
Link: https://ico.org.uk/about-the-ico/research-reports-impact-and-evaluation/research-and-reports/technology-futures-agentic-ai/
Link: https://www.techuk.org/resource/new-ico-tech-futures-report-on-agentic-ai-opportunities-and-considerations.html
Individual insolvencies by location, age and gender 2025
At regional level, the North East of England had the highest individual insolvency rate, while individuals in London had the lowest. At local authority level, King’s Lynn and West Norfolk had the highest insolvency rate, while the City of London had the lowest.
The geographical distribution of insolvency rates in 2025 was similar to previous years.
Women were more likely than men to have a debt relief order (DROs) or enter an individual voluntary arrangement (IVA), while men were more likely than women to be made bankrupt. Women had a higher insolvency rate than men for all insolvency types, apart from bankruptcy where rates were equal in 2025.
Insolvency rates were highest for adults between 35 and 44 and lowest for adults aged 65 and over. This has been a fairly consistent pattern.
IVAs were the most common type of insolvency in all age groups except those under the age of 25, for which DROs were more common.
Breathing space
The North East was the region with the highest breathing space registration rate in 2025. As with insolvency, the City of London had the lowest rate. There was a similar regional distribution to insolvencies. Across all age groups, those aged 25-34 had the highest breathing space rate.
FCA sets out plans for using AI to speed up authorisations
I have posted on this. Amongst other plans into 2026/27, the FCA has set out plans for using AI to speed up authorisations and widen access to financial advice and guidance through better support and more innovation. There will be greater use of AI through more efficient use of data and technology. The FCA says it wants to be a smarter data-led regulator.
Evidence of a smarter, more efficient and effective regulator:
- Integrating AI into regulatory workflows
- Using generative AI to review documents received from firms
- Sandbox – to test automated data feeds between the FCA and firms
- Investing in smarter case handling
- Expanding the Supercharged Sandbox
- Reducing burdens on firms
- Improving firms’ experience of regulation
This is all part of the work programme for 2026/27 and follows on from the sector-based Regulatory Priorities from 19 March 2026. I am particularly interested in the aspects around DPC/BNPL regulation, greater use of AI and data, simplification of regulation, reforms to collective investment schemes and support for start-ups and scale-ups.
They have reference DPC/BNPL coming under their remit from July 2026. DEMSA will also review the Perimeter Report with some care, particularly around debt advice in different forms, use of AI and consumer protections.
We have previously featured their work with the likes of Amplified Global™ and Plain Numbers around Consumer Understanding. This all continues.
Key new issues highlighted in this year’s report that fall outside the FCA perimeter include the growing use of AI in financial services, debt resolution and financial advice. Many firms are deploying AI tools in customer journeys and operational processes, but these uses often sit outside current regulatory rules. The FCA says it will continue to engage with government on whether further regulation is needed.
Plenty to digest, especially in the 2026/27 work programme around helping consumers navigate their financial lives and some of the permissions around innovation.
As the FCA looks at wider adoption of AI for its own application and supervisory work, firms need to be doing the basics very well in terms of governance, consumer outcomes, data quality, documentation and controls. This is not just a regulator story. It is a signal to the market.
Link: https://www.fca.org.uk/news/news-stories/fca-sets-out-next-phase-smarter-more-effective-regulation
Operational resilience: FCA insights and observations
I have posted on this.
Whilst the latest FCA update on operational resilience mainly applies to larger regulated firms, there remain a number of takeaways for smaller firms and outsourced service providers. The greatest relevance is around incidents and service continuity. In debt resolution and advice, it is not hard to see how an outage affecting payment systems, telephony, vulnerability flagging, customer accounts or arrangements could quickly lead to foreseeable harm. That brings this straight into Consumer Duty territory.
A couple of considerations for your next Consumer Duty Board reports, where this isn’t just a technical challenge but also an outcomes issue:
Link: https://www.fca.org.uk/publications/good-and-poor-practice/operational-resilience-insights-observations-areas-good-practice
Link: https://www.fca.org.uk/publications/policy-statements/ps26-2-operational-incident-third-party-reporting
Link: https://www.fca.org.uk/publication/finalised-guidance/fg26-3.pdf
Non-Financial Misconduct (NFM) – Ready for September 2026?
I have posted on this. The Financial Conduct Authority has published an ‘explainer’ to get your firm ready for September 2026, when changes to non-financial misconduct (NFM) rules and guidance will come into force. These reforms significantly expand how misconduct is assessed and managed across financial services. They go far beyond personal conduct to include culture, governance, fitness and propriety, regulatory references, and how firms respond to workplace harm.
NFM includes behaviour that is not of a clearly financial nature such as bullying, harassment and potentially misconduct in private life, where this has a sufficient connection to a person’s fitness and propriety. These issues will fall under much sharper regulatory focus from 1 September 2026.
The new COCON rule focuses on certain work-related misconduct, while the new FIT guidance clarifies how firms should assess personal integrity and reputation. This includes how serious non-work misconduct, such as violent or sexual offences, could still be relevant.
Key examples include:
- Bullying and Harassment : The most reported types of NFM across all sectors, accounting for 26% of all UK incidents, with most organisations now having processes to respond.
- Sexual Misconduct : A significant concern, particularly where power imbalances exist and where underreporting is likely.
- Discrimination and Exclusion : Including racism, misogyny, and hostile cultures.
- Alcohol and Drug Related Violence : Potentially relevant where it reflects on judgment, self-control, or integrity.
This is likely to be highly applicable when looking up and down supply chains, notably where there are outsourced relationships and third party vendors. Boards, HR, compliance and line management all need to be aligned.
This is over and above the FCA work programme for 2026/27 that I have separately commented on today. Many of these themes intersect around governance, culture, accountability and foreseeable harm.
Link: https://www.fca.org.uk/firms/culture-governance/non-financial-misconduct
Link: https://www.fca.org.uk/publications/policy-statements/ps25-23-tackling-non-financial-misconduct-financial-services
Collaborations
An FCA collaboration with Plain Numbers
Very topical with the recent FCA updates on Consumer Understanding and the sector-based regulatory priorities covered in the DEMSA bulletins through March 2026.
Link: https://www.linkedin.com/pulse/learning-speak-plain-numbers-hannah-doran-9z7sf/
Welfare Together and Policy in Practice
Ahead of the Affordability Summit on 14 April 2026, two of our speakers and panelists have collaborated. Read the update entitled “Beyond the benefits calculator: Policy in Practice and Welfare Together join forces to offer ‘last mile’ support to vulnerable customers”.
Rob Johnson, Head of Partnerships, Policy in Practice, says:
“Income maximisation is now front and centre in debt recovery, with organisations seeing the value and regulators recognising its inclusion in customer journeys as good practice. The end-to-end solution we’re now able to offer through our partnership with Welfare Together completes the missing piece of our Better Off Calculator solution and is set to become the industry standard. Not knowing that you’re missing out on £500 a month is one thing but knowing and not being able to apply is arguably worse. This partnership will solve that problem.
“Policy in Practice chose Welfare Together as our ‘last mile’ partner because of the level of expertise and service they offer to the most vulnerable customers, going to any lengths to ensure that they can access the financial and wider support they need.”
Tracey Stone, Founding Director of Welfare Together, adds:
“We are huge advocates Policy in Practice’s Better Off Calculator but know from first-hand experience that there are customers who, even armed with all the information, can’t follow through to access what they are entitled to. Our one-to-one, empathetic and proactive support helps them with navigating complex systems, completing application forms, and contacting multiple external agencies to complete the journey.
“Our aim is to offer creditors maximum commercial and social return on investment by finding proportionate, fair and sustainable debt resolution outcomes for those who can’t pay, breaking the cycle of financial hardship.”
Finclusion and Inicio AI – introduce AI-driven affordability checks at loan origination
Finclusion has unveiled a new approach to responsible lending by embedding upfront affordability assessments into the very start of its customer journey, as scrutiny across the motor finance sector continues to intensify.
The lender has partnered with Inicio AI to deploy its virtual agent, Budgie, which guides customers through a detailed affordability assessment using conversational AI. The system is designed to create a clearer and more transparent understanding of a customer’s financial position before any lending decision is made.
Rachel and Victoria from Inicio AI are speaking at the Affordability Summit on 14 April 2026 in Manchester. We are covering the whole customer journey from onboarding to arrears management.
Events
LinkedIn Live with MEGA.AI
Recording from 27/3/2026:
https://www.linkedin.com/events/7442524871772770304/
The next LinkedIn Live is 11am on 10 April 2026.
Affordability Summit – 14 April 2026
The Affordability Summit is on 14 April 2026 at the Core Technology Facility in Manchester. As reflected above, April triggers increases in essential service costs, tax code changes, new SFS figures and assessing changes in disposable income at a household and individual level.
We already have a great delegate list with Tier-1 banks, UK Finance, Money and Pensions Service, the Centre for Responsible Credit, Lowell Group and other debt buyers, leading Utilities, enforcement firms, debt resolution firms, CRAs, vulnerability specialists and leading debt solution providers. Chris Warburton will hold the whole programme together.
Our thanks to our speakers – Daniel Kelly, Damon Gibbons, Nick Ollard, Rachel Curtis, Victoria Oliver, Dylan Jones, Mark McElvanney, Kenneth Doherty, Shaunna Austin, Sam Manning, Rob Johnson, Tracey Stone and Carlos Osorio.
Registration page
https://events.ro-ar.com/AffordabilitySummit-UK2026
Innovation South – 16/4/2026 in London
I am pleased to be supporting the Innovations South event in London. The conference is organised jointly by Telsolutions, Ascendant Solutions and Welfare Together.
I am then supporting the CIVEA Conference in London on 23 April 2026.
VRS conference on 7 May 2026 – Nottingham Forest Football ground
The FCA and the ICO have now issued a joint statement around dealing with consumers with characteristics of vulnerability. Opening keynote from Lord Holmes MBE – a technology policy leader and advocate for inclusion and accessibility. John Fairhurst from PayPlan is on the main podium and Emma Gibbons is supporting their exhibition stand.
Chris and I are both running sessions.
I am looking forward to having Ofgem, CCW and Gamcare in my session.
Registration link
https://www.vrs-conference.co.uk/
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