Regulatory advice

Strong compliance is essential to protecting your business, satisfying regulators, and building trust with stakeholders. At TLT, we work closely with you to provide practical, tailored advice that ensures you meet regulatory expectations with confidence. Our team is here to help you create governance frameworks that reflect the unique needs of your organisation, supporting sustainable growth while managing risk.

We can assist you with:

• Governance and SMCR advice: guidance on governance and Senior Managers and Certification Regime requirements, including preparation for regulatory interviews.
• Conduct risk advice: providing insights on conduct risk matters, including Consumer Duty.
• Regulatory engagement: we can help you managing your interactions with the Financial Conduct Authority and Financial Ombudsman Service.
• Regulatory change implementation: we help you understand regulatory change and how it could impact your business and assist you in implementation of changes driven regulatory change
• Training: produce and deliver training and briefings for you senior managers on regulatory and financial crime risks and issues.
• Understanding your regulatory requirements: we can provide bespoke advice on how specific regulatory requirements would apply to your business or undertake a regulatory mapping exercise that would detail regulatory requirements that would apply to your business, what the requirements mean and the policies or processes that you have to meet those requirements
• Advice and supporting in managing skilled person reviews.

Our team members have:

• Provided advisory support to several firms on Skilled Person reviews, including motor finance commissions and affordability.
• Provided advice and assistance to design appropriate governance arrangements to meet regulatory requirements, including within-group arrangements for a wide range of clients from retailers, telecoms providers, building societies, funeral plan businesses and consumer credit firms.
• Provided bespoke advice on the application of SMCRs to clients.
• Assisted clients in developing appropriate regulatory models within wider group entities
• Advised clients on range of regulatory changes such as Consumer Duty, Consumer Credit regulation, treatment of vulnerable customers and funeral plan regulation.
• Developed bespoke policy suites for clients to help them meet their conduct risk requirements.
• Advised UK mortgage providers and specialist lenders on the development and launch of commercial and residential mortgage products, including intergenerational and shared ownership mortgage products.
• Prepared senior managers from building societies, payment firms and consumer credit firms for interviews with regulators.
• Assisted a range of firms from consumer credit, building societies, payments, retailers, funeral plan providers, telecoms providers and retailers in their engagement with the FCA, including notifications.
• Provided support to motor finance providers on their engagement with the Financial Ombudsman Service.