Consumer Finance and Insurance.

Specialist compliance support for lenders,brokers, insurers and claims firms.

When regulatory scrutiny feels relentless, Cosegic equips your business with the insight and practical guidance to meet compliance obligations with conviction.

 

From designing compliant insurance and credit products to safeguarding vulnerable customers and integrating fair value into pricing models, we combine regulatory expertise with deep sector knowledge to embed compliance seamlessly across your operations.

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Years of Experience
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Supporting financial firms since 2003.

Firms supported
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Practical, regulator ready frameworks.

Clients
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Built on trusted relationships.

Areas covered
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Solutions for every challenge.

Tailored support by firm type

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MORTGAGES

Navigate regulatory obligations with confidence. From securing permissions for new mortgage products to embedding fair treatment throughout the customer journey.

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Our Experts

Meet the CONSUMER FINANCE AND INSURANCE team

Ben Antcliffe

Ben Antcliffe

Head of Client Delivery

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Latest Resources

Explore latest resources.

Stay ahead with our latest insights, guidance and analysis on regulation and compliance across financial services.

SIX WEEKS. ONE AUTHORISATION. ONE FUND READY TO LAUNCH.

HOW COSEGIC TURNED FCA AUTHORISATION INTO A LAUNCHPAD FOR BRABUS CAPITAL.
Brabus Capital Case Study

Consumer Duty – clarifying scope and helping firms to take a more proportionate approach.

The FCA’s proposed changes to the Consumer Duty aim to provide greater clarity on its scope, enabling firms to apply

Ghost Broking: Why This Issue Still Keeps Me Up at Night.

The Financial Conduct Authority (FCA) has recently issued another warning—this time highlighting the growing risk of fake motor insurance being

Corporate Memory: Why It Is Overlooked, Why It Matters, and How to Build It.

When people hear the phrase “corporate memory”, it often conjures an unhelpful stereotype: long-serving employees reminiscing about past glories or

Investment Firms Newsletter – June 2026.

Welcome to the June 2026 edition of our Investment Firms Newsletter. Regulatory momentum across the UK and international markets remains

Market Abuse and Admissions: A New Conduct Framework for Crypto.

The FCA’s proposed cryptoasset regime is a significant step in bringing crypto markets within the UK’s wider financial services framework.

FREQUENTLY ASKED QUESTIONS

Find answers to the questions we’re asked most often, from our compliance and training services to how we can support your business.

What regulatory obligations apply to consumer finance and insurance firms in the UK?

Consumer finance and insurance firms operate across some of the most heavily regulated areas of financial services, with obligations spanning FCA authorisation, Consumer Duty, SM&CR, financial promotions rules, affordability requirements, and vulnerable customer protections. The specific obligations depend on the nature of the firm's activities, making tailored compliance support essential to managing risk and maintaining regulatory confidence.

Consumer Duty has significantly raised the bar for firms across consumer finance and insurance, requiring them to demonstrate fair value, clear communication, and appropriate customer support throughout the product lifecycle. Firms must embed Consumer Duty into product design, pricing models, customer communications, and governance frameworks, with board-level oversight of outcomes across every customer segment.

Consumer finance and insurance firms face a complex and overlapping set of regulatory obligations that touch every stage of the customer journey, from product design and marketing to onboarding, servicing, and complaints handling. Keeping pace with evolving FCA expectations while maintaining commercial performance requires deep sector knowledge and a proactive, embedded approach to compliance.

A well-designed compliance framework does more than satisfy regulatory requirements - it builds the trust of customers, investors, and regulators that is essential to sustainable growth. Firms that embed compliance seamlessly into their operations are better positioned to bring new products to market efficiently, withstand regulatory scrutiny, and demonstrate the standards of fairness and transparency that customers increasingly expect.

Cosegic combines deep regulatory expertise with specialist sector knowledge to embed compliance seamlessly across consumer finance and insurance operations. From designing compliant products and integrating fair value into pricing models to safeguarding vulnerable customers and preparing for regulatory audits, we provide the practical guidance firms need to meet their obligations with conviction and focus on growth.

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