
FCA motor finance redress scheme confirmed: what firms and complaint teams need to do now
The FCA motor finance redress scheme is confirmed. Read what it covers, what firms and complaint teams need to do, and why execution risk now matters.

Clarity + Direction
Everything you need to run a strong complaints function. Plain English explainers, step-by-step guides, and tools that make everyday work easier for handlers, managers, and senior leaders. Written by people who have run regulated teams for 20+ years.

The FCA motor finance redress scheme is confirmed. Read what it covers, what firms and complaint teams need to do, and why execution risk now matters.

Track the complaint handling KPIs FCA-regulated firms must monitor under DISP and Consumer Duty. Practical metrics, examples, and reporting guidance.

From 1 January 2026, FOS interest on compensation generally tracks the Bank of England base rate plus 1%. What this means for complaint handling delays, compensation cost, and escalation risk.

What the FCA response to the Which? insurance super complaint means for insurers, claims handling controls, and complaint oversight expectations.

PS25/19 changes how complaint MI is viewed. Why reporting alone is not enough and what stronger oversight now looks like in practice.

How FCA rules, guidance, and FOS decisions shape complaint outcomes, escalation risk, and defensibility in regulated case handling.

Rule interpretation drives inconsistent outcomes. How FCA guidance and FOS decisions affect complaint decisions and escalation exposure.

The £200m Mastercard class action settlement The Mastercard class action settlement highlights risks in mass claims, redress complexity, and the limits of legacy complaint systems.

What the Which? home and travel insurance super complaint alleges, what the FCA must review, and what complaint leaders should watch next.

A practical breakdown of FCA, FOS, and Treasury redress reforms, including time limits, interest changes, and complaint handling impact.