ROAR Plus

December 2025 : UK Regulatory Summary

A monthly summary of regulatory developments in the UK. A pdf version and copies of the weekly update can also be found here. Summary Headlines and Activity Financial Conduct Authority (FCA) Non-Financial Misconduct Guidance: Finalised changes to the Code of Conduct (COCON) to clarify that serious non-financial misconduct (e.g. bullying or harassment) by financial staff can breach FCA conduct rules. This move signals the FCA’s commitment to culture and accountability standards even beyond technical compliance. Motor Finance Complaints Deadline: Brought… Read more

November 2025 : UK Regulatory Summary

A monthly summary of regulatory developments in the UK. A pdf version and copies of the weekly update can also be found here. Summary Headlines and Activity A roundup of key regulatory announcements, consultations, enforcement actions, and industry updates from UK regulators and trade bodies for November 2025. Financial Conduct Authority (FCA) Expanded the Pre-Application Support Service (PASS) to a wider range of sectors, and prepared to roll out improved digital application and notification forms from December 2025 (Form B,… Read more

October 2025 : UK Regulatory Summary

A monthly summary of regulatory developments in the UK. A pdf version and copies of the weekly update can also be found here. 1. Summary Headlines and Activity A roundup of key regulatory announcements, consultations, enforcement actions, and industry updates from UK regulators and trade bodies for October 2025. Financial Conduct Authority (FCA) Motor Finance Claims Crackdown: The FCA (with the Solicitors Regulation Authority, Information Commissioner’s Office, and Advertising Standards Authority) launched a joint crackdown on misleading motor finance claims… Read more

September 2025 : UK Regulatory Summary

A monthly summary of regulatory developments in the UK. A pdf version and copies of the weekly update can also be found here. Summary Headlines and Activity Financial Conduct Authority (FCA): Motor Finance Redress Campaign: Launched a £1 million consumer awareness campaign around a proposed motor finance compensation scheme, urging customers not to use claims management companies for redress. New research found 79% of affected motor finance customers know they may be owed compensation and 61% are aware of a… Read more

August 2025 : UK Regulatory Summary

A monthly summary of regulatory developments in the UK. A pdf version and copies of the weekly update can also be found here. Summary Headlines and Activity Summary Headlines and Activity (August 2025) Financial Conduct Authority (FCA): Warned consumers of scammers impersonating car finance companies after receiving nearly 5,000 reports of fake FCA compensation calls in H1 2025. Fraudsters have been falsely claiming people are owed refunds and requesting personal bank details. Motor Finance Redress: Confirmed plans to consult on… Read more

AI Voice Agents in Debt Collections – 2025

An updated summary of the use of Voice AI Agents within the arrears management and collections process. Currently a hot topic, the briefing covers some of the major considerations when looking at this sector. Executive Summary Artificial‑intelligence (AI) voice agents are reshaping UK debt‑collection operations. Early adopters report operating‑cost reductions of up to 40 percent and recovery uplifts of 10–80 percent, while maintaining or improving customer satisfaction. Voice‑driven automation now covers high‑volume, low‑complexity interactions—reminders, identification, payment capture—freeing human agents for complex negotiations and… Read more