Financial Promotions and Consumer Credit

Workshop overview:

This course provides a practical exploration of the rules governing financial promotions and consumer credit communications. Participants will examine the regulator’s current focus on fair value, customer understanding, and the treatment of vulnerable customers, and learn how these expectations apply in real promotional activity.

The course explains the regulatory framework for financial promotions, showing what it means for communications to be clear, fair, and not misleading. It also covers how advertising standards and consumer protection laws influence financial promotions, including fairness in claims, testimonials, pricing, incentives, and disclosures.

Through published case studies, participants will see examples of where firms have failed and what good practice looks like. Common challenges such as online advertising, social media, influencer content, comparison tools, buy now pay later offers, affordability messaging, pricing displays, and risk warnings are discussed.

The session concludes with practical guidance for creating compliant promotions, implementing effective governance and controls, and understanding current areas of debate and uncertainty in the industry.

Agenda:

• the FCA’s current focus on financial promotions and consumer credit
• the regulatory framework under the FCA Principles and consumer credit marketing rules
• the impact of ASA guidance and consumer protection law, including the Digital Markets,
• competition and Consumers Act 2024 (from April 2025)
• FCA case studies and key lessons learned
• practical tips for creating compliant financial promotions.

Learning outcomes:

By the end of the session, you will be able to:

• understand the rules for financial promotions and consumer credit
• recognise current regulator priorities and areas of risk
• see how advertising and consumer protection laws apply to promotions
• learn from real regulator case studies
• create clear, fair and compliant promotions
• reduce the risk of breaches and customer harm.

Interested in taking any of our workshops in-house?

Whether you are seeking to upskill your team, enhance productivity or foster a culture of continuous learning, we can deliver customised training programmes designed to meet your specific needs. If you have an enquiry, you can complete the in-house form and our training team will be in touch with next steps.