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From affordability checks and creditworthiness assessments to transparent disclosures and responsible marketing – we leverage our mastery in consumer credit regulation to embed clarity, control and fairness into every stage of your customer journey.
As a consumer credit lender, your regulatory obligations are detailed, complex and non-negotiable. From navigating FCA authorisation and obtaining approvals for senior management roles to ensuring compliant data sharing with credit reference agencies (CRAs), compliance is integral to every stage of your operations.
This is where Cosegic’s advice is invaluable. We take on the heavy lifting – guiding you through authorisation processes, crafting fit-for-purpose policies, and ensuring your governance and controls meet the rigour of regulatory scrutiny. And with our experts supporting you with your compliance, you can concentrate on driving commercial growth and delivering exceptional service to your customers.
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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.
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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.
Consumer credit lenders operating in the UK are subject to a comprehensive set of FCA regulatory obligations, including FCA authorisation, affordability and creditworthiness assessments, responsible lending standards, transparent disclosures, compliant marketing, and data sharing requirements with credit reference agencies. Senior management roles must also receive FCA approval, and lenders must maintain governance and controls capable of withstanding regulatory scrutiny.
The FCA requires consumer credit lenders to carry out robust affordability and creditworthiness assessments before extending credit, ensuring that lending decisions are based on a realistic assessment of the customer's financial situation and ability to repay. Lenders must maintain clear policies and documented processes for these assessments, which are a key area of FCA supervisory focus.
Consumer Duty requires consumer credit lenders to demonstrate that their products deliver fair value, that customer communications are clear and not misleading, and that customers receive appropriate support throughout the credit lifecycle. Lenders must embed Consumer Duty into product design, pricing, marketing, and complaints handling, with board-level oversight of customer outcomes across all product lines.
Consumer credit lenders must ensure their marketing and financial promotions comply with strict FCA rules, including clear and accurate presentation of representative APRs, transparent disclosure of fees and charges, and fair and balanced communication of the risks and benefits of credit products. Non-compliant financial promotions are a significant area of FCA enforcement risk for consumer credit lenders.
Cosegic takes on the heavy lifting for consumer credit lenders, guiding firms through the authorisation process, crafting fit-for-purpose policies, and ensuring governance and controls meet the rigour of regulatory scrutiny. From affordability frameworks and responsible marketing to data sharing with credit reference agencies and senior management approvals, our experts provide the practical guidance lenders need to maintain compliance and focus on commercial growth.
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.
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