16 01 ccc brochure

01423 522 599 Product Portfolio 2016

W consumercreditcompliance.co.uk E info@consumercreditcompliance.co.uk

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Following on from our success over the past two years, Consumer Credit Compliance are now growing our product offering and expanding into other areas of FCA compliance.

01423 522 599 W consumercreditcompliance.co.uk E info@consumercreditcompliance.co.uk

Please click on the contents below to find out more

Contents • FCA Applications • Ongoing Client Support • Consultancy Services • Compliance Documentation • Compliance Training & Development • e-Learning • Contact Us

FCA Applications

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Consumer Credit Application

Mortgage Credit Directive

We are proud to have 100% success rate with applications for hundreds of businesses across a wide range of sectors. We work with you to complete your FCA application so that it can be submitted correctly and on time. You can choose from a number of different application service options which can include either bespoke documents compiled by ourselves working alongside you or we can provide our standard templated documents for you to complete.

Do you currently broker or offer loans on a second charge basis, if so, as of March 21st 2016 this no longer falls under the Consumer Credit Act and moves across to Home Finance along with first charge mortgages.

Let us help you make this transition

These include: Regulatory Business Plan (RBP) This will explain to the FCA who you are, how your firm operates and how you will meet your ongoing regulatory requirements post authorisation. Compliance Policies & Procedures The FCA requires you to have these documented and available for inspection at their request. We can provide a standard set of these documents. This includes a Compliance Monitoring Programme Document which demonstrates how you and your staff will comply with your firm’s compliance procedures.

Home Finance Would you like to be involved in Arranging, Advising, Administering or even entering into a Regulated Mortgage Contract? If so, we can assist you with your FCA Application including providing supporting documentation.

Variations of Permissions If you are already authorised by the FCA for other regulated activities and you need to add a further permission then we can assist you with the online application, writing the reason for variation document and providing supporting documentation

Consumer Credit Compliance is proud to be recognised as one of the UK’s leading FCA compliance solutions providers.

01423 522 599 W consumercreditcompliance.co.uk E info@consumercreditcompliance.co.uk

FCA Applications

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Anti-money Laundering

Insurance

Do you need to register with the FCA for anti-money laundering, call us for advice and allow us to complete the form for you?

Promoting, arranging and providing insurance are regulated activities, which means firms providing these services, or insurance products, must be authorised by the FCA upholding the principles of the Insurance Conduct of Business Sourcebook

Collected Investment Scheme (CIS) This is sometimes referred to as a ‘pooled investment’, is a fund that several people contribute to. A fund manager will invest the pooled money in one or more types of asset, such as stocks, bonds or property.

If this is unchartered waters for you let us steer you in the right direction

Loan – Based Crowd funding (Peer to Peer) This is where consumers lend money in return for interest payments and a repayment of capital over time. Call if you need our support.

Investment based crowd funding Consumers invest directly or indirectly in new or established businesses by buying investments such as shares or debentures. If this is you, are you confident you are doing so compliantly?

Pensions The FCA regulate firms and individuals that promote, arrange or provide stakeholder pension and personal pension schemes. These are pension schemes anyone can join, regardless of any arrangements their employer may offer.

Payment Service Institutions Firms that provide payment services must be authorised or registered by the FCA and must comply with our conduct requirements, giving necessary information that allows the FCA to regulate their businesses accurately.

Consumer Credit Compliance is proud to be recognised as one of the UK’s leading FCA compliance solutions providers.

01423 522 599 W consumercreditcompliance.co.uk E info@consumercreditcompliance.co.uk

Ongoing Client Support

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Ongoing Client Support for those with Full or Limited Permission includes:

oing Sup

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• A dedicated Compliance Manager who will oversee your FCA compliance • GABRIEL Reporting • Email Support – providing one to one support via email • Telephone Support – providing one to one support via telephone • Consumer Credit Compliance Client Portal Access – To access your Regulatory Business Plan and other documents • FCA Regulatory Updates – via a newsletter • Changes to your Regulatory Business Plan as and when required • Standing Data Changes – change of trading address, changes to controllers, firm accountancy date change etc.

For other FCA Applications Continuing the theme of our Consumer Credit Ongoing Client Support Packages, we will also shortly be launching support packages for other FCA regulated activities.

Full: £75 | Limited: £25

Consumer Credit Compliance is proud to be recognised as one of the UK’s leading FCA compliance solutions providers.

01423 522 599 W consumercreditcompliance.co.uk E info@consumercreditcompliance.co.uk

Consumer Credit Compliance were extremely helpful and following our meeting reviewed our situation thoroughly. Once it was clear we did not require FCA compliance they contacted the FCA on our behalf to cancel our interim permission. You should not have any concerns about picking up the phone and calling them. Painless would be a mild understatement!

Colin Farrow

www.toymaster.co.uk

Consumer Credit Compliance is proud to be recognised as one of the UK’s leading FCA compliance solutions providers.

01423 522 599 W consumercreditcompliance.co.uk E info@consumercreditcompliance.co.uk

Consultancy services We’re experts in compliance, so we can offer a number of products and services that are designed to help you to maintain your FCA Authorisation.

Consultancy

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Do you need some advice on how to deal with a complex question?

Why not speak to us about our consulting services, which are designed to cover a wide range of issues that many FCA authorised firms may encounter. Our consulting services can help if you are already authorised and need specialist advice for one off issues. We charge on an hourly basis, with each project priced to take into account its complexity and time frame.

Need advice on how to proceed? Making an application is a daunting process and sometimes you need advice to get you to that stage. We offer a pre application service which can identify whether you need authorisation or not. Once we have identified this, we can then advise on the type of application you will require. Pre application enquiries can

save you a lot of hassle and money in the long run, and many of our clients find it a good way of clarifying their position, prior to making an application.

Post Application Pre-Authorisation Questions and Consultancy We understand that some firms will have completed the FCA authorisation application themselves and subsequently will receive one or more rounds of questions from the FCA as part of their application review process. If you are looking for support in answering these questions we would be happy to assist on a fixed fee basis. We have already helped many firms this way in securing their FCA authorisation.

Consumer Credit Compliance is proud to be recognised as one of the UK’s leading FCA compliance solutions providers.

01423 522 599 W consumercreditcompliance.co.uk E info@consumercreditcompliance.co.uk

Consultancy services

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GABRIEL Reporting

Website check

GABRIEL is the FCA’s online regulatory reporting system for the collection, validation and storage of regulatory data. GABRIEL stands for Gathering Better Regulatory Information Electronically – sounds complicated? Don’t worry we can do this for you.

We will review your website to ensure the content and advertising is appropriate and within FCA guidelines

Document checking We can assist by checking your SECCI (pre-contract information) and credit agreements to ensure they meet the latest standards

Compliance Reviews (Audit) We can offer both onsite and a remote compliance review of your existing practices (eg. checking deal packs for motor dealers) and advise of areas of non-compliance, providing a corrective action plan.

We take away the fear of auditing, with our supportive compliance review packages.

Financial Promotions Check If you use direct mail, printed–media, or online advertising, then we can ensure that these promotions don’t fall foul of the required standards

Consumer Credit Compliance is proud to be recognised as one of the UK’s leading FCA compliance solutions providers.

01423 522 599 W consumercreditcompliance.co.uk E info@consumercreditcompliance.co.uk

Compliance Documentation Compliance documentation will identify and address the compliance risks that a firm faces, and contain management information which a firm can use to measure its compliance. o

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Provision of Regulatory Business Plan For any FCA Application you are required to have a Regulatory Business Plan which advises the FCA of your business and how it operates in line with meeting threshold conditions. Sound complicated, let one of our Compliance Experts write this for you.

Compliance Monitoring Programme Document As part of your compliance policies and procedures you will need to have a monitoring document demonstrating the areas that require reviewing, how often and by whom.

Writing of bespoke compliance policies and procedures, review of existing policies and procedures Let us review your existing policies and procedure and if you don’t have these, allow us to help you put these together on your behalf.

Consumer Credit Compliance is proud to be recognised as one of the UK’s leading FCA compliance solutions providers.

“

I was over-whelmed with the level of support I received from Consumer Credit Compliance. Not only was my Compliance Account Manager in regular email and telephone contact, I was also visited on-site to steer me through the complexity of applying for my consumer credit compliance authorisation.

This level of support continued as my business changed legal status and a variation of permission was required by the FCA to amend my authorisation from a partnership, to that of a Limited Company. I am very impressed with CCC’s efficiency and professionalism and would certainly recommend fellow business associates to engage with them.

“

D

Remo | www.sccleeds.co.uk

01423 522 599 W consumercreditcompliance.co.uk E info@consumercreditcompliance.co.uk

On behalf of Sharp Business Systems UK Plc, I would like to place our thanks for the excellent support given by CCC throughout our application process. They were very informative and clear as to what was required from start to finish, helping to simplify what was quite a complex application. I would definitely recommend them to other companies.

Stephen Nichols

www.sharpbusiness.com

Consumer Credit Compliance is proud to be recognised as one of the UK’s leading FCA compliance solutions providers.

01423 522 599 W consumercreditcompliance.co.uk E info@consumercreditcompliance.co.uk

Our Training & Development Events Consumer Credit Compliance are delighted to announce that we have partnered up with West Yorkshire Trading Standards to offer industry-leading training & development events in High Street Retailers, the motor vehicle industry & Domestic Premise Supplier for our clients.

Tr a i n i n g

Consumer Rights Training During this course we will give you an in-depth overview of two key pieces of legislation - The Consumer Rights Act 2015, and Information, Cancellation and Additional Charges Regulations 2013 (ICAC) • This programme covers all aspects of consumers’ statutory rights in relation to goods and services. The course is specifically aimed at businesses and also covers guarantees and warranties, as well as a chapter covering ADR processes included.

• This course also covers off premises, on premises and distance sales selling environments and your obligations relating to each.

Our motor vehicle industry specific training is specifically design for the trade and is aimed at the specific exemptions on remedies within the Act as well as given a detailed appreciation of The Consumer Protection from Unfair Trading Regulations 2008

Consumer Rights Training for the Motor Vehicle Trade

Consumer Rights Training for High Street Retailers

Thursday 10th March – Leeds

Tues 22nd March – Leeds

BOOK NOW

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Consumer Credit Compliance is proud to be recognised as one of the UK’s leading FCA compliance solutions providers.

BOOK NOW



01423 522 599 W consumercreditcompliance.co.uk E info@consumercreditcompliance.co.uk

Our Training & Development Events

Tr a i n i n g

We are happy to bespoke events specifically to the needs of your business and these can be tailored to feature your services within the course, highlighting your: • • • • • • • • •

Refund policies Warranties Guarantees Terms and Conditions Pricing The specific selling environments of your business.

Delivery Issues Offer Maintenance or repair services and the legalities surrounding them.

Consumer Credit Compliance is proud to be recognised as one of the UK’s leading FCA compliance solutions providers.

Coming Soon We will soon be offering our own suite of Tutor-led compliance training and development event, delivered by our inhouse experts as well. In addition to this we are partnership with industry experts to offer more in-depth compliance knowledge and a gateway to more training programmes.

01423 522 599 W consumercreditcompliance.co.uk E info@consumercreditcompliance.co.uk

Consumer Credit Compliace provided great support throughout our FCA application process, providing practical advice, prompt replies and a high quality of service. They quickly became a trusted partner of our organisation and I would not hesitate to recommend their services to others.

They provide great comfort in a regulatory system that can be isolating and confusing.

Phil Jones

www.motors.co.uk

Consumer Credit Compliance is proud to be recognised as one of the UK’s leading FCA compliance solutions providers.

01423 522 599 W consumercreditcompliance.co.uk E info@consumercreditcompliance.co.uk

e-Learning Training

e-L

earning

Our e-learning is ideal for businesses that would like to train their staff to a high standard in consumer credit compliance. Our online platform allows your staff to complete an on-line training course with an exam and certification.

Our platform

Benefits of e-learning

• • • • • • • •

• Quick, easy and effective way to grow staff knowledge and productivity • Convenience of studying at any time • User progress tracking • Managers/Administrators can monitor progress • Reduced cost and man hours lost to a company

• • • •

Can be bespoke to your organisation Simple and easy to use Summaries and quizzes provide interactivity Provides certificate provided for successful staff

Topics covered in e-learning: Consumer Credit Source Book (CONC) Consumer Rights Act Financial Crime Cancellation Regulations Approved Person role and responsibilities PERG SYSC Treating customers fairly

Consumer Credit Compliance is proud to be recognised as one of the UK’s leading FCA compliance solutions providers.

01423 522 599 W consumercreditcompliance.co.uk E info@consumercreditcompliance.co.uk

When I first started looking into our FCA approval, I found some information on line and it looked so confusing I kept putting it off. Then, out of the blue, came an email from Consumer Credit Compliance saying that they could help with this. I contacted them immediately and they put my mind at rest straight away. After a few conversations, emails exchanged and documents provided our FCA Approval was ready to be submitted. The charge for the service totally outweighed the man hours it would have taken for my company to understand what needed to be done, complete the paperwork and submit for approval. Would have no problems in recommending Consumer Credit Compliance.

Collette Woodcock

www.mizuno.co.uk

01423 522 599 W consumercreditcompliance.co.uk E info@consumercreditcompliance.co.uk

Can’t find what you’re looking for?

Contact Us

Give us a call

01423 522 599

Consumer Credit Compliance Windsor House, Cornwall Road Harrogate, North Yorkshire HG1 2PW

Visit the website consumercreditcompliance.co.uk

Authorised and regulated by the Financial Conduct Authority for Limited Permission Credit Broking under FRN 631736. Information Commissioner Office Registered ZA074336

info@consumercreditcompliance.co.uk

Email us at

Consumer Credit Compliance is proud to be recognised as one of the UK’s leading FCA compliance solutions providers.

01423 522 599 W consumercreditcompliance.co.uk E info@consumercreditcompliance.co.uk