Recordsure white logo with blue favicon ConversationReviewAI
Recordsure white logo with blue favicon ConversationReviewAI
Contact
Book a meeting

Sectors

Motor finance

Address motor finance commission
complaints challenge with Recordsure AI

Book a demo
This critical time for motor finance providers now opens the door to take stock and leverage smart technology and specialist expertise to assess exposure and build a proactive response.

The rising tech challenge of motor finance commission complaints

The FCA’s ongoing review into historic motor finance practices – particularly discretionary commission arrangements (DCAs) – continues to reshape the motor finance landscape.

While DCAs (where dealers could adjust interest rates to increase their own commission) are squarely in scope, the Supreme Court’s ruling on 1st August 2025 affirmed that even non-DCA arrangements may now warrant redress if deemed part of an “unfair” relationship under the Consumer Credit Act (CCA).

Recordsure motor finance red car

Motor finance commission complaints​

Get ahead of the FCA and the market

The most forward–thinking motor finance firms aren’t waiting for the final redress scheme. They’re using this time to gather data, analyse risk and prepare their response.

With Recordsure’s AI technology, TCC’s regulatory expertise and Momenta’s scalable resource network, you can turn a complex compliance challenge into an opportunity to lead.

The power of connected expertise

We understand your business challenges and your goals. Using a powerful combination of technology, advisory experience and specialist resources, give you the tools to achieve them. 

Recordsure

AI–driven clarity at scale

We bring cutting–edge tech to the table. Our AI–powered speech and document analytics enable you to:

  • Rapidly process historic customer interactions, including calls, meetings, emails and documents
  • Identify missing or unclear commission disclosures
  • Accelerate risk detection and decision–making with high accuracy
  • Reduce manual review time and operational burden dramatically
Download guide

TCC experts

Proven regulatory intelligence

For over two decades, TCC has helped financial services firms navigate regulatory risk. We combine deep compliance insight with agile consulting and advanced digital tools to help you:

  • Map and quantify historic risk in your motor finance portfolios
  • Design FCA–aligned redress strategies and methodologies
  • Strengthen governance and complaints handling frameworks
  • Deploy experienced resources for reviews, remediation or overflow management

Momenta

Agile resourcing with precision

When workloads surge, our partner company Momenta steps in. With a pool of over 30,000 pre–vetted financial services professionals and experience in motor finance, Momenta helps you:

  • Scale complaint handling and remediation efforts quickly
  • Maintain high–quality customer outcomes
  • Support TCC’s governance and oversight frameworks

Together with TCC and Momenta, we deliver a fully integrated, tech–enabled compliance solution for today’s and tomorrow’s motor finance challenges.

Resources

We help our clients deliver more effective and efficient reviews. Here’s how:

What's ahead for

Motor finance firms

Why is this critical time for motor finance providers now opening the door to take stock and leverage smart technology and specialist expertise to assess exposure and build a proactive response?

  • The FCA will launch a consultation by early October 2025 on an industry–wide redress scheme, with compensation expected to begin in 2026.
  • The estimated total liability ranges from £9 billion to £18 billion, impacting around 14.6 million contracts since 2007.
  • Most payouts are projected to be under £950 per agreement, though some may receive more depending on case specifics; simple interest (3%) may also apply.
  • The FCA’s approach is likely to be opt–out, automatically notifying eligible customers to maximise fairness and accessibility, and reduce reliance on claims management companies.
  • The House of Lords has called for the eligibility window to be shortened from 2007, perhaps aligning claims to a six–year civil limitation period, raising concerns about data availability and administrative burden.
  • A surge in complaints and DSARs is already materialising, even before scheme details are finalised.

Ready to find out more about how to prepare for what's ahead?

Book a demo

Resources

We help our clients deliver more effective and efficient reviews. Here’s how:

Resources

We help our clients deliver more effective and efficient reviews. Here’s how: