Founder of consultancy Asset Finance Policy | Analysis of specialist business and consumer finance markets in UK and Europe and FCA regulatory advice
Joined March 2014
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16 Photos and videos
Mar 16
Viceory's estimate of 895,000 eligible loans seems to be based on dividing the loan book by the average loan value of £5.5-7.2k over the 2007-2023 period. Was the Irish book removed? Are these the original loan values not the lower book values? thetimes.com/business/compan…
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16 Sep 2025
How the FCA's motor finance commissions redresss process appears to be shaping up. My new blog at assetfinancepolicy.co.uk/blo…
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12 Sep 2025
Why the numbers in the Adam Smith Institute's new paper on Motability are so far off the mark - and the case for expanding Motability-type arrangements to help lower income households obtain access to mobility. My new blog at assetfinancepolicy.co.uk/pos…
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18 Jul 2025
What's missing from today's Buy Now Pay Later Regulation announcement? 1) The market is now all about PayPal and Klarna 2) Providers can shift to the long-established and simpler revolving credit regulation instead. Details in my post here:
linkedin.com/posts/afpjulian…
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25 Jun 2025
The Lending Standards Board might have run its course, but something must take its place. My new blog: assetfinancepolicy.co.uk/pos…
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20 May 2025
The "wild west" of Buy Now Pay Later? By the time the Sheriff arrives, the market may have solved the problem. My new article at assetfinancepolicy.co.uk/pos…
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31 Mar 2025
Check out my latest article: What really matters now for motor finance users? Rates, not commissions linkedin.com/pulse/what-real… via @LinkedIn
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31 Jul 2024
🔷 Reading between the lines of the FCA's update on motor finance commissions complaints.
My new blog analyses the FCA's updates on its (slow) progress yesterday. I suggest the FCA's eventual interventions will be more targeted than many expect.
assetfinancepolicy.co.uk/blo…
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9 Apr 2024
Check out my latest article: Can Barclays or S&U turn the motor finance regulatory tide in the interests of consumers? linkedin.com/pulse/can-barcl… via @LinkedIn
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20 Feb 2024
Used car finance customers are already paying more in real terms than when FCA first objected to dealer commissions in 2019. One of the reasons why a redress scheme may be less dramatic than some estimates - my article for #AssetFinanceInternational assetfinanceinternational.co…
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25 Jan 2024
Why Difference in Charges (usually) works well for consumers in motor finance. My summary of why the commission models under investigation are likely to have actually worked in consumers' interests. assetfinancepolicy.co.uk/pos… ft.com/content/96559959-0931…
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13 Sep 2023
BLOG Why the motor finance commission collective action is likely to fail (a longer version is on my website) motortrader.com/blogs/blog-m…
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1 Sep 2023
Why the collective action on UK used car finance commissions against Black Horse, Santander Consumer and MotoNovo Finance should fail. My new article is at: assetfinancepolicy.co.uk/pos…
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31 Jul 2023
As Consumer Duty starts, six more compliance tips for asset finance brokers in my latest blog. assetfinancepolicy.co.uk/pos…
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17 Jul 2023
If only BNPL was recognised for what it is - running account credit - the regulatory problem disappears overnight. Correctly applied, the existing regulation would be proportionate and effective. Details: assetfinancepolicy.co.uk/pos…
news.sky.com/story/treasury-…
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16 Feb 2023
What connects this week's FCA censure of Amigo loans, HM Treasury BNPL consultation, and reports of Barclays Partner Finance 'scaling back' its retail point of sale solutions? My latest blog: assetfinancepolicy.co.uk/pos…
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4 Jan 2023
Smarter regulation in 2023: Consumer Duty works, FRED 82 doesn't. My new blog sets out what seem likely to be the two most significant regulatory developments impacting asset finance this year. See lnkd.in/eRDjK-Fy
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6 Sep 2022
Despite all the finger-pointing, fraud on Bounce Back loans is now estimated by lenders at £1.1 billion, or 2.3% of total loans, compared to current official estimate of 7.5% and previously 11% (£4.9bn). My blog at: linkedin.com/posts/afpjulian…
28 Jul 2022
Will the FCA's new Consumer Duty rules end dealer groups putting barriers in the way of consumers searching for lower cost car finance? New blog and industry reaction here #consumerduty
linkedin.com/posts/afpjulian…?
12 Jul 2022
My new blog notes that today's FCA report on SME collections and recoveries appears - on the surface - to significantly extend existing regulation in ways that risk making it (even) harder for UK SMEs to raise finance linkedin.com/posts/afpjulian…?