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

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