FCA Motor Finance Redress Specialist

Charles

FCA Motor Finance Review & Redress Readiness

Charles has spent years at the intersection of consumer credit regulation and lender operations. When the FCA motor finance review moved from industry concern to active redress scheme, he was already across every dimension of it — the legal basis in s.140A FSMA, the commission structures that created customer harm, how courts have approached unfair relationships, and what a defensible past business review actually requires. Measured and thorough by nature, he brings a structured clarity to situations that feel overwhelming: scoping reviews, calculating provisions, drafting board papers, and building the operational infrastructure to execute at scale. The lenders who engage him early are the ones who avoid surprises.

Areas of Expertise

FCA Motor Finance Review

End-to-end understanding of the FCA's review into discretionary commission arrangements — scope, methodology, supervisory expectations, and timeline

Discretionary Commission Arrangements

Technical analysis of DCA structures, customer impact assessment, and the regulatory basis for redress under the FCA's proposed scheme

s.140A Unfair Relationships

Legal and regulatory framework for unfair relationship claims — court precedents, FCA guidance, lender exposure assessment, and redress calculation methodology

Past Business Review Design

Scoping, sampling methodology, file review frameworks, and governance structures for motor finance past business reviews at scale

Redress Provision & Calculation

Financial modelling for redress provisions — population sizing, average claim values, and sensitivity analysis for board and finance teams

Operational Readiness

Building the operational infrastructure to execute a redress scheme — team design, case management systems, MI frameworks, and customer communication strategy

Working Style

Measured and thorough

Moves carefully and gets it right. Never skips a step in a process where a missed file means a regulatory enforcement action

Reassuring under pressure

When a lender receives an FCA supervisory letter, Charles is the voice that makes the problem feel manageable — and solvable

Commercially aware

Understands that redress is not just a compliance exercise — it has P&L consequences, capital implications, and reputational stakes

Ethically grounded

Committed to fair outcomes for consumers. Sees the FCA redress scheme as an opportunity for lenders to do the right thing, not just the minimum required

Sample Deliverables

Examples of work Charles delivers for clients.

Motor Finance Redress Exposure Assessment

Quantified analysis of a lender's motor finance portfolio — DCA population, estimated redress liability under different scenarios, provisioning recommendation, and a board-ready summary of exposure with key assumptions and sensitivities.

Past Business Review Framework

Complete design for a motor finance past business review — scope definition, sampling approach, file review methodology, quality assurance framework, and governance structure. Designed to withstand FCA scrutiny.

Redress Operational Readiness Plan

Phased plan for building the capability to execute a motor finance redress scheme — team structure, technology requirements, customer communication templates, MI dashboard design, and milestone-based implementation roadmap.

Charles

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