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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.
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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.
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