Programme: Responsible Lending Conference - Regulatory Expectations

09.00 Registration and coffee

10.00 Chairman’s introduction
Alan Tuplin, Director, Advantage Finance Limited

10.05 FCA Creditworthiness rules
• Key requirements
• Impact in the first year
• Changes to underwriting and supporting evidence
Jeanette Burgess, Partner, Walker Morris LLP

10.35 Responsible Lending – the broader framework
• Fair Pricing
• Duty of Care
• Treatment of new and existing customers
• Business models
Nikki Worden, Partner, Osbourne Clarke

11.05 Lessons from Skilled Person Reviews
• FCA concerns
• Scope of Skilled Person reviews
• Remediation required
Darren Castle, Associate Director, Grant Thornton UK LLP

11.35 Coffee break

12.00 Lending to Vulnerable Customers – what’s new?
• Identification, engagement, support
• FCA Guidance on Vulnerability
• Good practice
Chris Fitch, Vulnerability Lead, Money Advice Trust
Research Fellow (Hon), Personal Finance Research Centre, Bristol University

12.30 Illegal lending
• Emerging trends
• Prosecutions
• Education, prevention and how lenders can assist
Tony Quigley, Head, England Illegal Money Lending Team, Loan Smart
Peter Reynolds, Trustee, Loan Smart

13.00 Lunch

14.00 Responsible Lending complaints
• Trends across different products
• Effective handling
• Challenges/opportunities
• Good practice
Sean Kulan, Sector Lead – Consumer Credit, Huntswood

14.30 Complaints case study
• High Cost Credit complaints
• Complaint type/treatment
• Interaction with FOS
Jason Wassell, Chief Executive, Consumer Finance Association

15.00 Financial Ombudsman Service Insights
• General update and trends
• Themes from complaints about affordable lending
• What good complaint handling looks like
Sarah Conway, Ombudsman Leader, Financial Ombudsman Service
John Wightman, Ombudsman Leader, Financial Ombudsman Service

15.30 Chairman’s closing remarks

15.45 Conference closes - followed by networking drinks hosted by Grant Thornton