Programme
13 & 14 October 2026 | Virtual
DAY ONE – THE CHANGING REGULATORY LANDSCAPE
10:00–10:10
Welcome and Introduction
Setting the scene and exploring how the regulatory framework is evolving across consumer and motor asset finance.
Kelly Shields, Head of Legal, Transport, Lloyds Banking Group
10:10–10:30
FCA Keynote: Regulatory Priorities and the Road Ahead
An opening perspective from the FCA on its current priorities, the direction of regulation and the key issues firms should have on their radar.
John Wightman, Head of Market Analysis, Policy and Strategy, Financial Conduct Authority
10:30-10:55
CCA Reform: What Should Firms Be Preparing For?
CCA reform has the potential to reshape the consumer credit framework for years to come. This session will consider the emerging direction of travel and the implications for products and innovation.
Topics covered:
- Impact on future credit products and innovation
- How innovative is the FCA likely to be?
- Likely sticking points for the FCA, Government and consumer groups
- Communicating the opportunities to Government
Amanda Hulme, Partner Head of Financial Regulation, TLT LLP
10:55–11:20
From Monitoring to Meaning: Outcomes Testing in Practice
Consumer Duty has increased the focus on firms’ ability to demonstrate good customer outcomes. This practical session will explore how firms can move beyond monitoring activity to build meaningful, evidence-led outcomes testing that identifies emerging harm and supports effective action.
Topics covered:
- Strengthening outcomes testing and monitoring under the Consumer Duty
- Building proportionate, evidence-led monitoring
- Identifying emerging customer harm and turning insight into action
- Supporting scalable, consistent and end-to-end outcomes testing
Matthew Drage, Managing Director – Technology Solutions, Square 4 Partners Limited
Daniel Sawyer, Head of Outcomes Testing , Square 4 Partners Limited
11:20–11:30
Comfort Break
11:30-11:55
FOS Reform: From Policy to Practice
With reform of the Financial Ombudsman Service moving from policy discussion towards implementation, this session will examine what the changes are likely to mean in practice for complaints, redress and firms’ relationships with the Ombudsman.
Topics covered:
- Overview of the key reforms
- Impact on complaints and redress
- What will change – and what won’t
- How firms will need to adapt
- The future risk from CMCs and professional representatives
Russell Kelsall, Partner, Walker Morris LLP
11:55 -12:20
AI & Financial Services: Revolution or Evolution?
AI is developing rapidly across financial services, creating opportunities for greater efficiency and innovation alongside new regulatory and compliance challenges. This session will explore the FCA’s evolving approach and how firms can embrace AI while maintaining appropriate governance and controls.
Topics covered:
- FCA regulatory expectations
- How the industry is using AI
- Balancing compliance with innovation
- Identifying and mitigating regulatory and compliance risks
Joanne Owens, Partner, Pinsent Masons LLP
12:20
Q&A Panel Discussion
An opportunity to put questions to the Day One speakers and explore the implications of the issues discussed.
12:30
Day One Close
DAY TWO – PREPARING FOR CHANGE
10:00–10:10
Welcome Back
Day Two turns the focus from regulatory change to its practical implications for firms – from complaints and redress to implementation, governance and emerging regulatory risk.
Kelly Shields, Head of Legal, Transport, Lloyds Banking Group
10:10–10:30
FOS Keynote: The Future of Complaints and Redress
A first-hand update from the Financial Ombudsman Service on the changing complaints and redress landscape, including what forthcoming reforms will mean for firms and consumers.
Topics covered:
- Latest position on redress reform
- What firms can expect to see
- CMC and professional representative reform
- The use of AI in complaints
Rachel Lam, Interim Ombudsman Managing Director, Financial Ombudsman Service
10:30-10:55
Innovation Opportunities: Consumer Duty and CCA Reform
As regulation becomes increasingly outcomes-focused, this session will explore how Consumer Duty and CCA reform can create opportunities to rethink established approaches, simplify customer communications and improve customer outcomes.
Topics covered:
- Changes to customer communications
- Terms and conditions reimagined
- Practical changes transforming customer outcomes
- Seizing opportunities in outcomes-focused regulation
Nikki Worden, Partner, Osborne Clarke LLP
10:55–11:20
Broker Oversight: Latest Developments
With renewed regulatory focus on broker relationships and distribution chains, this session will examine the latest developments and what they mean in practice for firms’ broker oversight and governance.
Topics covered:
- Key lessons from motor finance redress and brokers
- FCA proposals on distribution chains and co-manufacturers
- Government review of the regulatory regime for credit broking
- Impact on broker oversight
Clare Hughes, Partner, Addleshaw Goddard LLP
Amit Rao, Senior Compliance Manager, Addleshaw Goddard LLP
11:20-11:30
Comfort Break
11:30 -11:55
Reform Risk for Funders
Regulatory reform could have important implications for funders and existing funding arrangements. This session will explore how the changing regulatory framework may affect funding structures and the future assessment of risk.
Topics covered:
- Effect of reform on existing funding – will changes be needed?
- How will future risk change for funders?
- Impact of principles-based regulation on funder risk
- Impact of Consumer Duty on funder risk
Stephen Dawson, Of Counsel, CMS Cameron McKenna Nabarro Olswang LLP
11:55 -12:20
Closing Regulatory Perspective
A final expert perspective on an emerging regulatory issue and what firms should be watching as they plan for the year ahead.
Wayne Gibbard, Partner, Shoosmiths
12:20 -12:30
Q&A Panel Discussion
Bringing together the themes from Day Two and giving delegates an opportunity to put their questions to the speakers.