Programme: FLA Regulation Conference

09.00 Registration and Coffee

10.00 Chairman’s Introduction
Robert Owen, Managing Director, United Trust Bank

10.10 FCA Regulation
• Business Models
• Conduct & Culture
Jonathan Phelan, Head of Department Retail Lending, Supervision – Retail & Authorisation Division, Financial Conduct Authority

10.40 Senior Managers’ & Certification Regime: Effective Planning
• Key milestones to implementation
• Planning effectively
• Overcoming challenges and embedding SMCR as business as usual
Sarah Hitchens, Senior Associate, Allen & Overy

11.10 Money & Debt Advice – a New Approach
• Why a Money & Pensions Service?
• Priorities for different needs and life stages
• The Listening Phase
Craig Simmons, Sector Coordination Manager, Money & Pensions Service

11.30 Coffee Break

12.00 Recent Regulatory Themes
• Pricing implications
• Product life-cycle impact
• Conduct risk
Sarah Herbert, Compliance Director
Clare Hughes, Partner
Addleshaw Goddard LLP

12.30 Open Banking – Consumer and small business lending
• Implementation update
• Role in consumer and small business finance
• Affordability, alternative credit checking and managing the credit lifecycle
• Future impact
Miles Cheetham, Head of Propositions, Open Banking Implementation Entity

13:00 Chairman’s summary

13.10 Lunch

14.15 Effective Broker Oversight
• Managing the risk
• Appropriate controls
• Ongoing monitoring
Russell Kelsall, Partner, TLT LLP

14.45 Vulnerable Customers
• Debt & Mental Health
• Use of data to support customers
• Good practice
Brian Semple, Head of External Affairs, Money & Mental Health Policy Institute

15.15 Complaints to the Financial Ombudsman Service
• Complaint Trends
• Working with the Ombudsman
• Life after PPI
John Wightman,Ombudsman Leader, Financial Ombudsman Service

15.45 Chairman’s final comments

16.00 Conference closes