Regulatory & Consumer Credit Legal Advice

Our consumer credit lawyers are here to help your business navigate this evolving and complex regulatory environment.

Consumer credit legislation is designed to support access to credit, ensure fair treatment and prevent the acquisition of unsustainable levels of debt.

We can advise you on compliance and risk management along with dealing with the consumer credit regime under the Financial Conduct Authority (FCA).

What we do: Consumer credit solicitors

Our consumer credit lawyers are able to provide you with expert advice on all matters affecting consumer credit, making sure that your business is compliant and up-to-speed in all areas. We can assist you with your requirements, whether you are looking for discrete advice on compliance with specific regulations, drafting credit agreements or even buying or selling a regulated consumer credit business. Some of the typical areas we would help your business with include:

  • Consumer Credit Act (CCA)
  • FCA consumer credit regime including the Consumer Credit sourcebook and other relevant FCA Handbook rules and guidance
  • Anti-Money Laundering (AML) legislation
  • Data protection legislation including the GDPR and DPA
  • Consumer Credit Association (CCA)
  • Client Assets Sourcebook (CASS) – advice on compliance and rule breaches
  • Regulated Activities Order (RAO) – perimeter and regulated activity guidance
  • Financial Ombudsman Service (FOS) – including guidance on how to handle customer complaints

We’re also able to assist with the following:

  • Applying for authorisation or variation of permissions
  • Approved person applications
  • Advice on Senior Managers and Certification Regime, fit and proper issues, such as conduct and disciplinary matters
  • Supervision notification and reporting obligations
  • Reviewing and advising on consumer credit adverts
  • Reviewing and drafting consumer credit agreements and related documents

Consumer credit is regulated by the FCA who take a proactive approach in identifying firms that carry out consumer credit activities without authorisation. Many firms that provide goods or services to consumers and small businesses may also be carrying out consumer credit activities if they extend credit to their customers. It is vital that you know whether or not you are providing consumer credit and ensure you are appropriately authorised and comply with consumer credit regulations.

If you are looking to buy or sell a consumer credit business, our finance solicitors will also work closely with our corporate and commercial teams to cover all aspects of your deal, so the legal work is seamless whatever the transaction.

What our clients say

We pride ourselves on delivering an excellent service for clients, but don’t just take our word for it.

Who we work with

Our consumer credit lawyers regularly advise many different businesses and organisations, such as:

  • Banks
  • Consumer credit firms such as non-bank credit card and loan companies
  • Fintech firms: both regulated and unregulated
  • Retailers selling goods and service on credit
  • Companies providing services to any of the above

We’ll explain how consumer credit regulation may affect you and your business, of if you’re new to financial services, we can discuss how you need to become regulated and the steps to maintain that regulation.

Why choose Harper James? Our consumer credit solicitors’ experience

Our consumer credit solicitors have all been recruited from top 100 UK law firms or from large international businesses. Find out more about them here:

Pricing plans

Our three transparent pricing packages are designed to give you the widest possible access to high-quality legal advice, whatever the size and nature of your business:


Straightforward access to senior solicitors at a competitive rate.

An affordable solution for businesses needing one-off legal support. Receive ‘City’ partner-level expertise at a fraction of ‘City’ prices.


Have legal peace of mind for £189 per month with additional support from £125 per hour.

A monthly subscription legal support package specifically designed for start-ups and smaller businesses.


Providing you with priority access to a dedicated panel of highly experienced solicitors.

Fully account managed quarterly subscription service for businesses with more complex legal needs.

What next?

Please leave us your details and we’ll contact you to discuss your situation and legal requirements. There’s no charge for your initial consultation, and no obligation to instruct us. We aim to respond to all messages received within 24 hours.

  • Your data will only be used by Harper James Solicitors. We will never sell your data and promise to keep it secure. You can find further information in our privacy policy.

  • This field is for validation purposes and should be left unchanged.

A national law firm

We mainly work remotely, so we can work with you wherever you are. But we can arrange face-to-face meeting at our offices or a location of your choosing.

Our commercial lawyers are based in or close to major cities across the UK, providing expert legal advice to clients both locally and nationally.

Floor 2, Cavendish House, 39-41 Waterloo Street, Birmingham, B2 5PP
Stirling House, Cambridge Innovation Park, Denny End Road, Waterbeach, Cambridge, CB25 9QE
10 Fitzroy Square, London, W1T 5HP
13th Floor, Piccadilly Plaza, Manchester, M1 4BT
Harwell Innovation Centre, 173 Curie Avenue, Harwell, Oxfordshire, OX11 0QG
2-5 Velocity Tower, 1 St Mary’s Square, Sheffield, S1 4LP