Compliance hub for automotive retailers
Compliance in motor finance can feel complicated, but it shouldn’t hold you back.
Evolution Funding’s Compliance Hub is built to support UK car dealers with clear, practical guidance – helping you meet FCA requirements and deliver the right outcomes for your customers.
Access our full list of regulatory resources, from financial promotions and Consumer Duty to fraud and customer support.
What's new?
Popular
Resources
For access to these resources, speak to your Account Manager
Initial Disclosure Document: Template
Editable Report Structure Document
Price and Fair Value Assessment Template
Manufacturer to Distributer Information
Not yet our dealer partner? Get started today!
Helping you stay compliant
Please note that it is ultimately the dealer’s responsibility to ensure they are compliant with regulations.
“Our account manager at Evolution takes the time to sit with and assist us. Having that specialist compliance support from Evolution frees us up to focus on what we do best - selling cars.”
Frequently asked questions
Complaints
If you need any support with managing complaints, please visit Evolution Funding’s Complaints section in the Sales Procedure Guide for more information.
If a customer raises a complaint to you about their finance agreement, please direct them to their lender. Customers can find their funder contact details here.
Customer Support
All customers risk becoming vulnerable due to changes in circumstances or characteristics, which can lead to additional or different needs and may limit their ability or willingness to make decisions and choices or represent their interests.
The FCA defines a vulnerable customer as someone who, due to their personal circumstances, may be especially susceptible to harm - particularly if a firm does not act with the right care.
Vulnerability can be temporary or permanent and may not always be obvious. The FCA highlights four key drivers of vulnerability that dealers should be aware of:
- Health – physical or mental health conditions that affect understanding or decision-making
- Life events – such as bereavement, job loss, or relationship breakdown
- Resilience – low financial resilience or difficulty coping with financial commitments
- Capability – low understanding of financial products or limited confidence in making decisions
As a dealer, you should look out for signs such as:
- Customers appearing confused or overwhelmed
- Difficulty understanding key information
- Unusual behaviour or communication challenges
- Signs of financial difficulty or distress
For more guidance on identifying vulnerable customers, please refer to the FCA’s official resources on vulnerability.
Every customer is different, and sometimes they need some extra help or support. You are welcome to direct customers to our Customer Support page - it’s designed to make things easier for customers by bringing together a range of free, independent support services all in one place. This includes help with things like financial difficulties, mental health, bereavement, and other life events, as well as organisations that can offer practical advice and guidance.
Fraud and Risk
Fraud tactics are constantly evolving, and recent trends show an increase in things like identity fraud, application manipulation, and third-party involvement where individuals attempt to influence or control the finance process.
Our latest Fraud Alert highlights the most common warning signs to look out for, like inconsistent customer information, unusual behaviour during the application process, or documents that don’t quite add up.
If something doesn’t feel right, pause the application and carry out further checks before going ahead.
Be alert to common red flags like third-party involvement, unverified vehicles, or inconsistencies in customer or vehicle information. Never fund a vehicle you haven’t physically verified.
Make sure you follow your internal processes and escalate concerns where needed. It’s also important to stay compliant with the Economic Crime and Corporate Transparency Act (ECCTA), which sets clear expectations around fraud prevention.
Financial Promotions
A financial promotion is any communication that invites or encourages a customer to engage in a financial service or product, like motor finance.
Under FCA rules, this can include a wide range of materials used by car dealers, including:
- Website content and online adverts
- Social media posts
- Email or SMS marketing
- Showroom materials and brochures
- Verbal statements made during the sales process
You can find guidance on financial promotions using Evolution Funding’s Financial Promotions Guide. This guide is our interpretation of the FCA’s expectations of firms when communicating financial promotions across all channels – including point of sale and social media.
Please note: This guide has been designed to help our introducer network understand the regulatory requirements for financial promotions.
The information provided in this guide is for reference and guidance only, and is based on our interpretation of the requirements in Chapter 3 of the FCA Consumer Credit Sourcebook (CONC).
It is your responsibility to ensure all your communications and advertisements follow the requirements set out by the Financial Conduct Authority.
By not conforming to the FCA rules and guidance, you may be subject to consequences such as fines or the loss of your FCA authorisation.
