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  • ANALYTICS
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MOTOR FINANCE CASES

Information about the FCA motor commission complaints handling pause.​

On 11 January 2024 the Financial Conduct Authority (FCA) announced their intention to review historical motor finance discretionary commission arrangements (DCA) across the motor finance industry. Due to this, they paused the requirement to respond to complaints involving DCAs.​​

On 19 December 2024 the FCA extended their pause to include motor finance complaints where a non-discretionary commission arrangement (non-DCA) was involved. 

Temporary changes to complaint time limits for DCA and non-DCA complaints:

• The complaint handling pause has been extended to after 4 December 2025. This means they’ve paused the eight-week deadline to respond to certain complaints about motor commission and you won’t be able to ask the Financial Ombudsman Service to look at your complaint, until after the pause has ended. 

• You will have more time to refer complaints to the Financial Ombudsman when a final response is issued. Instead of the usual 6 months, you have until 29 July 2026, or 15 months from the date of the final response letter, whichever is later. The timelines will be confirmed in the final response letter we send you.   ​

• The FCA intend to set out next steps in their DCA review in May 2025. They hope to also provide an update on non-DCA commission complaints at the same time.  ​

You can read more about the timelines on the FCA's website which explains the reason for the pause.