TCC Group

TCC Group

Transforming Culture and Conduct

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Summary: GC 18/2 – Fairness of variation of contract terms

Insight — 04/06/18
Why now? The FCA withdrew its previous guidance on unfair contract terms back in 2015 and 2016 and has issued draft guidance for consultation based on current legislation. The new guidance sets out the FCA’s understanding of how current laws on unfair terms operate in the context of variation term

The shift towards greater customer accountability

Insight — 17/04/18
The historic customer detriment caused by the actions of financial services firms has sent consumer protection to the top of the FCA’s agenda, with a focus on vulnerable customers. Firms are now under increasing pressure to review policies, procedures and controls to ensure they consider and prote

FCA update on work in the high-cost credit sector

Insight — 05/02/18
In a feedback statement issued in July 2017, the FCA outlined a number of concerns within the sector, including overdrafts, rent-to-own, home-collected credit and catalogue credit. The regulator’s ongoing work in this area has highlighted a need for market intervention, but also limitations in wha

Are you suffering from ‘Positive Consumer Outcomes’ fatigue?

Insight — 14/01/16
Have you ever heard something so many times it loses its intended meaning? We are probably all guilty, in both our personal and professional lives, of building up a bank of ‘stock phrases’ which we use time and time again, but which, with each use, loses meaning and impact. As the regulator shif

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