Asset Finance


Consumer Finance


Motor Finance


FCA Regulation: Living with the regulator – Expectations of firms post-authorisation

09.00   Registration and Coffee


10.00   Chairman’s Introduction
Stephen Sklaroff
Director General, FLA


10.20   FCA Regulation: Focus on Consumer Credit
• Update on the authorisation process
• Expectations of firms post-authorisation
David Fisher
Head of Credit Department, Credit Authorisations Division, FCA


10.50   Skilled Person Reviews
• Overview of the FCA’s skilled person process
• Likely target areas in the consumer credit market
• How should firms prepare for and manage the review process?
Gregory Brandman, Partner (FCA Regulatory)
Zia Ullah, Partner (Fraud & Investigations)
Clare Hughes, Partner
Eversheds


11.20   Coffee Break


11.40   Creditworthiness and Affordability
• FCA expectations on creditworthiness and affordability checks
• Thematic review and research
• Consumer and business lending
Marc Ireland
Director, KPMG


12.10   Panel Session: Treating Customers Fairly – Three Lenders’ Perspectives
John Deans
Senior Manager, Customer Conduct, Nationwide
Mike Randall
Chief Executive Officer, Close Brothers Asset Finance Ltd
Philip Bellamy
Operational Governance Manager, Shop Direct


13.00   Lunch


14.00   Social Media Regulation
• Opportunities v Risks
• Social media and financial services
• Regulatory Requirements
Steve Kuncewicz
Head of IP and social media, Bermans

 

14.30   Behavioural Economics and Consumer Credit Regulation
• Application to strategy, product design and marketing
• Biases and behavioural traits that affect consumers’ decision-making
• Using behavioural economics to manage conduct risk
Reinder Van Dijk
Partner, Oxera

 
15.00   The Payments Landscape – Impact of Change
• An insight into the changing landscape and the impact on consumer purchasing
Lee Scott-Douglas
VP – Barclaycard Design and Digital Office


15.30   Chairman’s Final Comments


15.45   Conference Closes. Refreshments available