Dedicated to support the needs of the consumer credit sector

In 2014 the FCA took responsibility for regulating the consumer credit market. In response to this change the RFS Group formed a dedicated consumer credit division.

CCAS now supports firms to manage their new obligations with the least disruption. We help to create the right balance, ensuring business can be compliant and profitable. As part of a larger organisation CCAS clients can access a wider set of resources, the same used by the largest financial sector organisations to reinforce their compliance functions.


Steve Bloor
Technical Director
Steve is a highly regarded compliance expert who has operated at board and executive committee level. His experience includes retail banking, consumer credit, motor finance and lending.
Naveed Asif
Consumer Credit Consultant
Naveed is an experienced legal and regulatory audit and compliance professional. He has over 8 years of experience working for large financial services and legal firms in an auditing and compliance capacity.
Andy Smith
Senior Consultant
Andy has over 20 years financial industry experience. He is specialist in regulation, audit, training, compliance, risk management and sales. Andy is also knowledgeable in financial crime, data protection, anti-money laundering, and used to liaising with FCA & FOS.
Ian Mackenzie
Senior Operations Manager
Ian has over 30 years experience working in regulated financial service firms. He has held senior positions in retail wealth and consultancy businesses. Ian’s experience gives him a deep insight into how the developing regulatory environment affects consumer credit operations.



Working hand in hand with CCAS we have ensured that compliance requirements are not only met, but that the outcomes are integral to the training and development of our people to ensure that a first class service is delivered to all our customers.

Our people are clear on what they are required to do, our customers are fully informed and have a great leasing experience – all backed up by our 5 Star Feefo reviews. The advice and support of CCAS has enabled us to embed quality management systems and measures throughout the business that support our values and objectives.

We would have no hesitation in recommending CCAS to any business looking to move their compliance and regulatory management structure into the 21st century.

Paul Parkinson, Managing Director, Synergy Automotive

We have worked very closely with CCAS since 2015 to develop our member code of conduct and an audit programme that supports our members in achieving higher standards. Through the regular audits that CCAS carry out they demonstrate an expert approach that is direct and effective in meeting our objectives for improved regulatory compliance and good conduct.

CCAS operate in a very consultative way and our members are very engaged with the process. We work with CCAS on an on-going basis in developing and delivering a highly effective programme which is very well regarded throughout the organisation.

Jay Parmar, Director of Policy and Membership, BVRLA

CCAS have built an inspection programme that goes into real depth. It was testing but a good process that will help any leasing broker’s business.

They were incredibly professional, extremely helpful and very thorough. They spoke to staff, delved into paperwork, checked our processes and procedures and spent over two hours interviewing me.

It is very reassuring to have peace of mind knowing that our processes are up-to-scratch and in line with requirements.

Rod Lloyd, Managing Director of Low Cost Vans