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Consumer Credit Act Reform

HM Treasury is reforming the Consumer Credit Act 1974 through consultation on data-sharing, salary advance schemes, and broader regulatory modernisation. The reform addresses gaps in FCA regulation of employer salary advance schemes (ESAS) and seeks to update consumer credit protections in light of emerging fintech and workplace lending products.


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20 Nov 2025 | Consultation outcome HM Treasury linked

Commercial Credit Data Sharing: Consultation and Call for Evidence — consultation closed

This consultation and call for evidence sets out proposals and issues for examination relating to the Commercial Credit Data Sharing scheme.

25 Sep 2025 | Consultation outcome HM Treasury linked

Commercial Credit Data Sharing: Consultation and Call for Evidence — consultation opened

This consultation and call for evidence sets out proposals and issues for examination relating to the Commercial Credit Data Sharing scheme.