Consumer lending and collections

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Consumer lending and collections

Provident's new FCA investigation points to the weakest link in affordability analysis

Yesterday's trading update from Provident, that led to a 28% fall in its stock price by the market close, was remarkable not so much for...

The Woolard Review has got it wrong: We need smarter, not more, regulation of retail finance

Today’s Woolard Review of change and innovation in the unsecured credit market has got it wrong on Buy Now Pay Later and the wider Retail...

Does the Barclays Final Notice provide new insights into the FCA’s views on collections?

The Final Notice issued this week by the FCA, imposing fines on Barclays for failings in showing forbearance and due consideration to...

How Australia’s plans to tear up responsible lending rulebook could protect consumers

In September, the Australian government announced plans to ‘simplify’ responsible lending laws, that it described as ‘overly...

Why BNPL might not always be unregulated

As I've noted in an earlier blog, Buy Now Pay Later (BNPL), the short-term variant of retail point of sale finance, has been growing at a...

Tips for retailers thinking about renting and leasing for the sharing economy

In the past week, both John Lewis and Selfridges have announced new rental schemes, apparently intended to signal the retailers’ shift...

Can lenders trust what customers tell them when assessing affordability?

One of the trickiest parts of consumer lending now is assessing the affordability of the loan for the consumer. In an excellent detailed...

What's new in the FCA's Re-lending by High-Cost Lenders report?

Today the FCA has published the findings from its review of re-lending by firms in what it calls the 'high-cost lenders portfolio'. A lot...

Time for Buy Now Pay Later sector to self-regulate

Why AFP believes the time is right for the Buy Now Pay Later sector to implement effective self-regulation

Are retailers sold on subsidised POS Retail Finance?

The standard arguments in favour of Point of Sale (POS) retail finance are familiar: Higher sales and bigger purchases. New research...

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