consumer credit
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How to file a CFPB complaint in 2026, and what it can still achieve
Read more: How to file a CFPB complaint in 2026, and what it can still achieveThe CFPB complaint portal still works, companies answer almost every complaint, and in September a federal court kept the Bureau’s funding open. How to file, what happens next, what a complaint realistically gets you, and where else to go.
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TransUnion’s new credit score out of 999: what the UK bands mean for you
Read more: TransUnion’s new credit score out of 999: what the UK bands mean for youTransUnion is moving UK credit scores from a 0 to 710 scale to 0 to 999, with new bands and a new scoring model, rolling out from late September 2026 to June 2027. What the bands are, why your number will change, and why lenders’ decisions don’t.
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Buy Now Pay Later, one month on: what actually changed on 15 July
Read more: Buy Now Pay Later, one month on: what actually changed on 15 JulyBuy Now Pay Later came under FCA regulation on 15 July 2026. A month on, the picture is clearer than it was, and in three places it is different from what the pre-launch coverage suggested. Section 75 protection is confirmed rather than hedged. Ombudsman access depends on when you took the agreement out, not when…
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Your lender has gone bust. What happens to your loan, and to the money you were owed?
Read more: Your lender has gone bust. What happens to your loan, and to the money you were owed?Blue Motor Finance, Eldens Finance and Logbook Lending all entered administration inside four weeks. If you borrowed from one of them, two very different things happen at once: your loan carries on almost unchanged, and any compensation you were owed may never arrive in full.
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UK is tightening BNPL rules in July; the US just retreated: a tale of two regulatory directions
Read more: UK is tightening BNPL rules in July; the US just retreated: a tale of two regulatory directionsThe UK is bringing buy now pay later into regulated credit on 15 July 2026 with FOS rights, affordability checks and Section 75-equivalent protections. The US went the other way, with the CFPB withdrawing its BNPL Interpretive Rule in May 2025 and state-level patching now filling the federal vacuum. We map the divergence.
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