The Financial Conduct Authority set out the rules for its Motor Finance Redress Scheme on 30 March 2026. The scheme targets historic motor finance agreements where customers may have been treated unfairly because important information about commercial arrangements between lenders and brokers (typically dealers) wasn’t disclosed to them.

This article does not seek to summarise the mechanics of redress or calculation methodology. Instead, it focuses on the FCA’s supervisory and enforcement expectations, and the governance and individual accountability risks arising from scheme delivery.