We're here to support our members. Here you'll find a range of resources to help you understand what the Court of Appeal ruling on 25 October 2024, and subsequent Supreme Court judgement on 1 August 2025 mean for BVRLA members. Keep checking back as we'll be adding new content on a regular basis.
The Financial Conduct Authority (FCA) is preparing to launch an industry-wide redress scheme, with consultation likely to be announced in October 2025. The redress scheme is aimed at compensating consumers affected by historic unfair motor finance practices. This will have implications for firms accross the sector, the below documents focus on what firms can do to prepare.
What is an FCA Redress Scheme? - produced September 2025, prepared by S&W Partners Limited
This document provides a practical overview of what redress schemes are, how they work, and what they mean for BVRLA members and their consumers.
Preparing for the FCA Motor Finance Redress Scheme: Pre-Consultation Checklist - produced September 2025, prepared by S&W Partners Limited
Use this checklist as a practical guide to evaluate your current position and begin planning for the months ahead. Please note: This checklist is not exhaustive. It is intended to prompt internal review and discussion when planning ahead of the consultation. It should be adapted to suit your Firm’s specific circumstances.
Also see an insight document prepared for BVRLA members by Luis Hernandez of S&W Partners: FCA’s Motor Finance Redress Scheme: What Firms Need to Know.
The Supreme Court published its long-awaited ruling on the case on Friday 01 August 25. The BVRLA has developed a comprehensive response plan to support members in the wake of the ruling, which is being adapted to reflect the specifics of the judgement and industry-wide actions that are to follow.
Two webinars have been set up to provide members with the context and clarity they will need in response to the ruling.
Member webinars
Frequently Asked Questions - produced 06 August 2025
This document has been prepared to provide high-level, generic responses to some of the frequently asked questions that have been identified by the BVRLA in connection with the Judgement. Market participants will need to consider how the principles articulated in the Judgement may apply in the context of their own specific business models, contractual arrangements, control frameworks and risk tolerances.
Complaint Handling: Top Tips for Leasing Brokers
The BVRLA has created a factsheet to help members ahead of the ruling; download the factsheet above.
Catch up on the Court of Appeal Ruling (October 2024) and Supreme Court review (April 2025)
A ruling from the Court of Appeal’s on three motor finance cases (25/10/2024) found in favour of the consumer and raised fundamental questions about the future of financing.
The broad nature of the ruling effects a wide range of sectors and services, extending beyond automotive. The ruling generated more questions than answers, creating very high levels of uncertainty and major disruption.
To get members the answers and clarification they need. Legal firm, Norton Rose Fulbright has been appointed by the BVRLA to fully digest the terms of the ruling and understand the potential impacts on BVRLA members.
Podcast following Supreme Court hearing - April 2025
Following the conclusion of the Supreme Court hearing in early April on the ‘Hopcraft appeal’ - the BVRLA’s Legal and Membership Director, Shashi Maharaj, recorded this podcast to highlight key themes and areas of focus. He attended the hearing online each day and has shared insights most relevant to members.
Webinar following Court of Appeal ruling - October 2024
At the end of October, a webinar was delivered to help BVRLA leasing broker members understand the terms of the ruling. Partners from Norton Rose Fulbright explained the details of the ruling and answered some of the most pressing questions raised by BVRLA members. The overview was followed by inputs and insights from the BVRLA's policy and legal team, supported by Leasing Committee chair, Rod Lloyd.
Members can watch the webinar back now.
Frequently Asked Questions - updated 15 November 2024
Frequently Asked Questions for vehicle rental - updated 15 November 2024
These documents have been prepared to provide high-level, generic responses to some of the frequently asked questions that have been identified by the BVRLA in connection with the Judgment. Market participants will need to consider how the principles articulated in the Judgment may apply in the context of their own specific business models, contractual arrangements, control frameworks and risk tolerances.
Member Risk Assessment for Compliance following Court Ruling - updated 15 January 2025
This guidance document has been prepared to help brokers consider the next steps for both the short and long term, and what they need to do to comply with the law.
Documentation - Legal Summary note for BVRLA - 31 October 2024
NORTON ROSE DISCLAIMER
Important Information
“This is a summary note of the Judgment only. The purpose of this summary note is to provide information as to developments in the case law. It does not contain a full analysis of the law nor does it constitute an opinion of any Norton Rose Fulbright entity on the points of law discussed, or as to the application of the Judgment to the circumstances of any person.
This summary note has been produced exclusively for the benefit of the British Vehicle Rental and Leasing Association (“BVRLA”). We do not represent, and are not providing advice to, any member of the BVRLA. No individual who is a member, partner, shareholder, director, employee or consultant of, in or to any Norton Rose Fulbright entity (whether or not such individual is described as a 'partner') accepts or assumes responsibility, or has any liability, to any other person in respect of this summary note. No other person may place any reliance on the information contained in this summary note, including any members of the BVRLA. Members of the BVRLA may wish to seek their own specific legal advice on any particular matter which concerns them in relation to these developments and the legal position.
If you require any further information in respect of this summary note, please speak to your usual contact at the BVRLA.
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