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Regulatory support

Technology, expertise and specialist support for a changing regulatory landscape

Compliance has become a defining part of automotive finance. From Consumer Duty and financial promotions through to commission disclosure and customer understanding, dealers face increasing scrutiny and responsibility.
Evolution combines market-leading finance technology, operational expertise and specialist compliance support to help retailers deliver finance with confidence.
best broker awards for ten years in a row
best service for dealers award four years in a row
innovation award for dealer in a box
best response to market conditions award
best use of technology award
best technology partner award

Built-in compliance by design

Regulatory support isn’t bolted on at Evolution. It’s built into the technology, processes and controls that underpin every finance journey.

Award-winning compliance module
Compliance embedded directly into the finance journey through digital disclosures, customer understanding tools, Sign Anywhere, adequate explainer videos and comprehensive audit trails.
Vulnerability identification technology

AI-assisted technology designed to help identify potentially vulnerable customers, enabling more informed conversations and supporting appropriate customer outcomes throughout the finance process.

Evidencing customer outcomes

Track customer engagement, understanding and agreement throughout the journey, creating a clear and auditable record of customer interactions.

Integrated finance workflows
Connected technology helping retailers, customers and lenders operate more effectively together while supporting regulatory requirements at every stage.
Customer looking for compliant auto finance on tablet
Evolution Funding helps shape a compliant motor finance industry

Connected technology helping retailers, customers and lenders operate more effectively together while supporting regulatory requirements at every stage.

Our expertise has helped inform industry discussions around areas such as Credit Score-Based Pricing, commission disclosure and customer understanding, while our technology continues to support compliant finance delivery across the market.

When regulatory expectations change, Evolution helps retailers and lenders adapt with confidence. Our expertise and insight continue to influence how compliant automotive finance is delivered across the market.

Woman calling her dealer to arrange compliant motor finance on a used car
automotive compliance logo

Specialist compliance expertise when you need it

While technology plays a critical role, compliance also requires expertise, oversight and ongoing guidance.

Through Automotive Compliance, part of the wider Centeca group, retailers can access specialist automotive compliance expertise, consultancy and FCA oversight services designed specifically for the automotive sector.

Support tailored to your business

Appointed Representative (AR)

Operate under the permissions of a specialist automotive Principal Firm, arrange finance, earn commission.

Suitable for dealers looking to reduce regulatory burden while maintaining full finance capability.

Introducer Appointed Representative (IAR)

A simplified route into finance for dealers with limited or no permissions.

Introduce customers into a regulated finance process while avoiding much of the complexity associated with arranging finance directly.

Directly Authorised services

Already directly authorised?

Automotive Compliance provides consultancy, audits, training and ongoing guidance to help maintain robust compliance processes and adapt to changing regulatory expectations.

Why retailers work with Automotive Compliance

Reduced regulatory burden

Helping retailers spend less time navigating compliance and more time focusing on customers and growth.

Specialist automotive expertise

Dedicated compliance professionals with extensive experience supporting automotive dealers.

Training and oversight

Practical guidance, auditing and ongoing support tailored to the realities of automotive retail.

Flexible compliance models

Solutions available for Appointed Representatives, Introducer Appointed Representatives and directly authorised businesses.

Proven across the industry

Trusted by hundreds of automotive dealers with specialist compliance services and FCA oversight.

“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.”

GPR Cars
Ready to strengthen your compliance approach?
Whether you’re reviewing your current processes, exploring the correct regulated status or looking for specialist compliance expertise, we’re here to help.