Complying with Consumer Duty for mortgage and later life lending firms
This paper makes sense of how the needs of Consumer Duty can be translated into robust, practical actions which can better bear independent assessment and serve the firm far more effectively than a yes/no database flag.
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Compliance with the FCA’s Consumer Duty guidelines requires credit-lending firms to understand more about their customer than whether they are ‘vulnerable’ or ‘not vulnerable’. Firms must understand consumers’ ‘characteristics’ – but what does this mean, and how can it happen?
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Understanding the implications of vulnerability within Consumer Duty
Our latest Consumer Duty white paper
This paper examines the FCA Handbook Rules on Consumer Duty Regulations, specifically Principle 12. We extracted some key rules in order to explain the practical implications.
Latest podcast
Where are you on the vulnerability and Consumer Duty roadmap
Our latest Consumer Duty webinar
Understandably, advisers and firms are at different stages of Consumer Duty adoption. This episode looks at the progress within the financial services industry – with Tony and Andrew looking in depth at the different approaches to adoption. They also examine how different parts of the value chain are approaching Consumer Duty – and how this may introduce inconsistencies.
Latest webinar

How will Consumer Duty’s rules work in the real world?
Our latest Consumer Duty webinar
The FCA’s principle-based rules on Consumer Duty are one thing, but how are these likely to be applied in real life? Just how will these principles be followed in practice? This webinar tackles this head on. The panel takes specific Consumer Duty rules and explores how advisers and firms might apply these in real situations – providing a valuable insight into not only how these rules will be accommodated but also how the rest of Consumer Duty might be best applied.