Typically respond within 1 working day.
Having guided automotive dealers through hundreds of successful audits and authorisations, we provide the confidence and assurance you need to meet your regulatory obligations efficiently. So, you can focus on what matters most – running a successful dealership.
Automotive dealers and lenders are under rising regulatory scrutiny, particularly around finance products, such as Personal Contract Purchase (PCP), Hire Purchase (HP), and leasing agreements. As a business, your core strengths lie in vehicle sales, not understanding regulatory rules, so heightened FCA expectations can present significant compliance challenges.
From guidance on the Consumer Credit Sourcebook (CONC) to best practice in advertising Representative APRs, Cosegic translates regulation into clear, practical actions. Our advice ensures your finance offerings are not only transparent and compliant but also reinforced with robust internal policies, documentation, and procedures.
Select a category to see tailored support and relevant services.
FCA authorisation is your foundation in UK financial services. We bring the expertise, rigour and track record to get you there.
MyCosegic replaces fragmented compliance work with a single operating system where actions, evidence, approvals and oversight live together.
The US market demands SEC compliance across multiple jurisdictions. Our specialists manage the entire process so you can focus on the opportunity ahead.
As your business evolves, we help you identify, apply for and secure the FCA permissions that reflect your next phase of growth.
When ownership changes, FCA approval is non-negotiable. We bring the precision and expertise to make sure it never becomes an obstacle.
When regulatory demands shift or specialist knowledge is needed fast, our ongoing support gives you access to senior compliance expertise.
Providing experienced compliance professionals to strengthen your team and support regulatory priorities.
We help you uncover compliance gaps, demonstrate commitment to fair customer outcomes and ensure your policies withstand regulatory scrutiny.
An independent view of your regulatory position, giving senior leadership the insight to act and strengthen compliance foundations.
Supporting accurate, timely regulatory reporting to help you meet your ongoing compliance obligations.
Practical, proportionate ICARA processes embedded into day-to-day risk management and built to meet regulatory expectations.
Compliant, crisis-ready wind-down strategies that are clear, credible and integrated into your prudential risk management framework.
Practical, regulator-ready support that embeds SM&CR confidently across your organisation, tailored to your firm's specific needs.
Tell us what you’re working on and we’ll point you to the right support, or build a plan around your firm.
Tell us a bit about your firm and what you need help with. We’ll put you in touch with the right specialist.
No spam. Your details are only used to respond to your enquiry.
Our Experts
Find answers to the questions we’re asked most often, from our compliance and training services to how we can support your business.
Automotive dealers offering finance products such as PCP, HP, and leasing agreements are subject to FCA regulation under the Consumer Credit Sourcebook (CONC), as well as broader obligations around financial promotions, Consumer Duty, affordability assessments, and responsible lending standards. Meeting these obligations requires a clear understanding of how FCA rules apply to dealership operations, which can be a significant challenge for businesses whose core expertise lies in vehicle sales rather than regulatory compliance.
The FCA has significantly increased its scrutiny of the motor finance sector, with particular focus on discretionary commission arrangements, fair value assessments, financial promotions, and the treatment of vulnerable customers. Automotive dealers and lenders must ensure their finance offerings are transparent, compliant, and supported by robust internal policies, documentation, and procedures to withstand regulatory examination.
Automotive dealers advertising finance products must comply with strict FCA rules on the presentation of Representative APRs, ensuring that any rate advertised is genuinely representative of the rate available to the majority of customers. Misleading or non-compliant financial promotions are a key area of FCA enforcement, making best practice in advertising and disclosure essential for any dealer offering finance.
Automotive dealers offering regulated finance products must maintain robust internal policies and procedures covering areas including affordability assessments, financial promotions, vulnerable customer identification, complaints handling, and training records. Documentation must be accurate, up to date, and capable of withstanding scrutiny from the FCA during supervisory visits or audits.
Having guided automotive dealers through hundreds of successful audits and authorisations, Cosegic provides the confidence and assurance dealers need to meet their regulatory obligations efficiently. From guidance on CONC and best practice in advertising Representative APRs to designing compliant internal policies and preparing for FCA scrutiny, we translate regulation into clear, practical actions so dealers can focus on running a successful business.
Tell us a little about your firm and what you're looking to achieve. We'll arrange a personalised demo with the right product specialist and show you how our solution can meet your needs.
Enter your details below to access the checklist.
