REGULATORY SUPPORT

AFP provides specialist FCA compliance support to asset finance brokers, suppliers and lenders

FCA authorisation applications
Any FCA compliance matters
In-person, online and e-learning training options
Lender compliance reviews
No monthly fees, flexible support available as needed
Over 225 firms already supported

MARKET DATA AND ANALYSIS

Unique resources for investors and others with an interest in the asset and consumer finance markets

A to Z of Leasing and Asset Finance, now in Third Edition
Ranking surveys of UK and European asset finance industries and UK asset finance brokers published jointly with Asset Finance Connect
Directory of UK asset finance brokers
Asset finance lenders financial performance benchmarking data
Consumer credit market insight reports covering used car finance, retail point of sale finance and Buy Now Pay Later, non-prime credit, and consumer credit debt purchase and collection, published by Apex Insight
Bespoke research

OTHER SERVICES

If it's an asset finance or specialist consumer credit / motor finance question, AFP can help

Company and portfolio acquisition due diligence
Lease accounting
Sustainability measurement and reporting
Regular monitoring of lenders on behalf of investors
Training courses on the UK and European asset finance markets
Association and company support with policy work

Services

Latest market insights and analysis

Business asset finance and lending

Ten CCR009 tips for asset finance brokers

Ten tips for brokers on how to complete the FCA's new CCR009 form, based on the questions I've been asked by brokers in the last week or two

Lease Out to Help Out: Option 101 for Rachel Reeves

It’s reported that Chancellor Rachel Reeves is weighing up a hundred different measures ahead of the Budget on 26 November. Well, here’s option 101: ‘Lease out to Help Out’. The ‘Lease Out to Help Out’ option would be a (less controversial) successor to the pandemic’s ‘Eat Out to Help Out’ scheme, for the hospitality sector and maybe other sectors too.

The Lending Standards Board might have run its course, but something must take its place

Emma Lovell, Chief Executive of the Lending Standards Board (LSB) announced today that the LSB would close at the end of October. The...

Consumer and motor finance

Consumers are paying more as motor finance commissions redress approaches

With the FCA's motor finance redress scheme announcement due shortly, here's a newly updated chart based on my analysis of lending rates in the market that might help to put things in perspective.

Streamling the motor finance redress - does it add up?

What to make of the FCA's 'streamlining the redress' statement - A more proportionate scheme?

Trump’s credit card interest rate cap: Method in the madness?

In a post on Friday, US President Trump said he wanted an interest rate cap on credit card debt to begin on 20 January. It follows his proposal for a 10% interest cap in his presidential campaign. The post referred to the public being ‘ripped off by credit card companies charging interest rates of 20 to 30%. This Post considers whether Trump’s proposals could work in making US households better-off, and whether there could be any read across to the UK.

Since 2014, Asset Finance Policy (AFP) has provided consulting services to asset finance lenders, brokers and suppliers. AFP has supported over 225 clients, from one-person brokerages to international banks.

Julian Rose, Director of AFP, was previously the Finance and Leasing Association's Head of Asset Finance from 2008 to 2014. He previously worked with two regulators, the Competition Commission and the Financial Reporting Council, in management consultancy with KPMG and PwC and in industry with UPS and NCR Computers.

From 2016 to 2020 Julian was a Non-Executive Director at Arkle Finance. Currently in addition to running AFP, Julian has roles with financial services advisory firm T. Mistry & Associates (TMA) and Leaseurope, the European federation of leasing and car rental associations.

Asset finance and specialist consumer lending markets
regulatory support, insights and analysis