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    Fair loans for vulnerable borrowers: It’s time to call in the accountants

    The Times reported on Monday that the Financial Conduct Authority is looking at ways of encouraging firms to lend to the most vulnerable...

    Three predictions for the UK’s Buy Now Pay Later Regulation

    In February, the Financial Conduct Authority’s Woolard Review identified an ‘urgent need to regulate all’ Buy Now Pay Later (BNPL)...

    Is Provident Financial following NewDay into Buy Now Pay Later retail finance?

    In its letter to Provident last week concerning the Scheme of Arrangement by which customers of the Group’s home credit and online loans...

    Understanding Barclays: How can Amazon consumer credit fit better than asset finance?

    As part of its Q1 results announcements last week, Barclays announced a deal to offer credit to Amazon customers in the UK, building on...

    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...

    Asset Finance Policy Limited | Rickmansworth, United Kingdom

    Julian@assetfinancepolicy.co.uk

    07914 071620

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