Sectors

Motor finance

Address motor finance commission
complaints challenge with Recordsure AI

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 technology challenge of motor finance commission complaints

The FCA has now confirmed its industry-wide motor finance consumer redress scheme, a landmark intervention addressing historic failures in commission disclosure across the sector.  

Set out in Policy Statement PS26/3 and published on the 30th March 2026, the scheme represents the largest structured redress exercise in the UK retail lending market since PPI. 

Recordsure motor finance red car

Motor finance commission complaints​

Get ahead of the FCA and the market

With Recordsure’s AI technology, TCC’s regulatory expertise and Momenta’s scalable resource network, motor finance lenders can convert their complex regulatory obligations into a controlled, defensible and efficient remediation programme.  

Need support with the motor finance redress scheme? Get in touch now.  

The power of connected expertise

We understand both the regulatory expectations and the practical realities facing motor finance lenders.  

Recordsure

AI–driven clarity at scale

Recordsure brings cutting–edge  AI tech to the heart of motor finance redress. Our AI–powered speech and document analytics enable firms to: 

  • Rapidly process historic customer interactions at scale (including call recordings, meetings, emails and documents) 
  • Identify missing, unclear or inconsistent commission disclosures 
  • Support FCA-aligned, evidence-based decision making 
  • Dramatically reduce manual review time and operational risk 

TCC experts

Proven regulatory intelligence

For over 20 years, TCC has supported financial services firms through major regulatory change. Combining deep compliance insight with agile consulting and advanced digital tools helps firms: 

  • Map and quantify historic risk in your motor finance portfolios 
  • Interpret PS26/3 and design FCA-aligned redress methodologies 
  • Strengthen governance and complaints handling frameworks 
  • Deploy experienced resources for reviews, remediation or overflow management 

Momenta and TCC

Agile resourcing with precision

As remediation volumes increase and delivery timelines tighten, our partners  Momenta and TCC provide rapid access to experienced financial services professionals. 

With a pool of over 40,000 pre–vetted financial services professionals and experience in motor finance, firms benefit from: 

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

Together, Recordsure, TCC and Momenta, deliver a fully integrated, technology enabled solution designed to meet the FCA’s expectations today and withstand future scrutiny. 

Resources

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

What's ahead for

Motor finance firms

What the FCA has decided 

The FCA has confirmed two distinct redress schemes addressing historic commission disclosure failures that may have resulted in unfair relationships under the Consumer Credit Act 1974. 

  • Scheme 1 covers agreements from 6 April 2007 to 31 March 2014  
  • Scheme 2 covers agreements from 1 April 2014 to 1 November 2024   

The FCA now estimates around 12.1 million agreements are in scope under the final rules, following refinements made after industry consultation. 

Download Motor Finance Redress Guide for the full breakdown and timelines. 

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

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: