Consumer credit firm

We regulate more than 50,000 firms that offer credit, loans or debt services. Consumer credit firms include credit card issuers, credit brokers, payday lenders, log book lenders, peer-to-peer lenders, pawnbrokers, and debt management and debt collection firms.

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Appointed representatives and principals: consumer credit

See what consumer credit firms need to know about appointed representatives and principals. Read more
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Approved persons: consumer credit

At least one individual in most consumer credit firms must be ‘approved’ by us. This does not apply during interim permission. Read more
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Authorisation: consumer credit

Firms must be authorised by us, or have interim permission, to offer consumer credit. Find out more about authorisation and how to apply for it. Read more
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Change of legal status

If we authorise your firm and you are thinking of changing its legal status, e.g. from a partnership to a limited company - you must apply for authorisation for the new company. Read more
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Client money and assets reporting

Client Assets sourcebook (CASS) medium and large firms have to complete a Client Money and Assets Return (CMAR) each month through GABRIEL, our reporting system for collecting, validating and storing regulatory data. Read more
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Consumer credit research: credit cards

Find out about our research into credit cards, some key findings into the market and what we will do next. Read more
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Consumer credit research: debt management

Find out more about our research to understand the debt management market and the people that use it. Read more
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Consumer credit research: logbook loans

Find out about our research into the logbook loans market, some key findings and what we plan to do next. Read more
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Consumer credit research: overdrafts

Find out about our research into overdrafts, our key findings and what we will do next. Read more
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Debt advice: consumer credit

Find out how firms should interpret our guidance on directing customers in default or in arrears to sources of free and independent debt advice. Read more
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