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Description

Consumer Finance: Contracting, Disclosure and Dispute Prevention

Distribute consumer finance products while keeping evidence of every disclosure obligation

  • 1 day — 7 h
  • In-person or virtual
  • Intermediate
  • Up to 6 participants

Consumer finance is sold quickly and increasingly at a distance: purchase-linked finance signed at the point of sale, revolving facilities, debt consolidation. The speed of the journey sits uneasily with the disclosure and explanation duties borne by the lender and by the intermediary, and disputes almost always arise from that gap.

This one-day programme addresses the contractual features specific to consumer finance as opposed to home finance: the Key Facts Statement, suitable explanations, affordability and creditworthiness checks, the cooling-off period and the fate of purchase-linked agreements. It also covers revolving credit facilities and the correct conduct when a customer falls into financial difficulty.

Learning objectives

  • Define which transactions fall within the scope of consumer finance
  • Deliver pre-contractual information and provide the explanations due to the customer
  • Assess the borrower's affordability and retain the supporting evidence
  • Apply the cooling-off period and the rules governing purchase-linked finance
  • Handle arrears and cases of customer over-indebtedness

What makes this programme different

The point-of-sale subscription journey is reviewed step by step
Revolving credit facilities are covered with their ongoing monitoring duties
Typical complaints are worked through together with the reply to be sent to the customer

Programme

1Scope and Pre-Contractual Disclosure

Setting the obligations before signature

  • Transactions falling within consumer finance and the main exclusions
  • Key Facts Statement and the duty to explain the product
  • Affordability assessment and consultation of credit bureau records
  • Advertising: mandatory disclosures and worked cost illustrations

2Formation and Performance of the Agreement

Holding the contract together after signature

  • Mandatory terms of the agreement and the form of the customer's acceptance
  • Cooling-off period and the practical steps for exercising it
  • Purchase-linked finance and the outcome where the underlying sale is cancelled
  • Revolving credit facilities and the lender's ongoing monitoring duties

3Incidents and Lender Liability

Containing the cost of disputes

  • Managing arrears and informing the guarantor
  • Loss of entitlement to interest and other sanctions that may apply
  • Customer over-indebtedness and restructuring: the correct conduct to adopt
  • Complaint handling and escalation to the applicable resolution channels

Who is it for

Bank relationship officers · point-of-sale finance representatives · banking intermediaries and sales agents · in-house counsel and compliance officers.

Prerequisites

Be involved in the distribution or administration of retail lending products.

Dates & locations

36 scheduled dates between November 2026 and December 2027. Seats are confirmed in the order enquiries are received.

November 2026

December 2026

January 2027

February 2027

March 2027

April 2027

May 2027

June 2027

September 2027

October 2027

November 2027

December 2027

None of these dates suit you? We open additional sessions on request, and any programme can be run privately for your team.

Practical details

Before the programme
Online positioning questionnaire. Your development objectives are shared with the trainer, who tailors the practical case studies to your context.
Teaching methods
Theoretical input, workshops and practical case studies. Digital course materials and method sheets provided.
Assessment
Multiple-choice tests and role-play exercises. Assessment of learning at the start and end of the programme, with immediate and 60-day follow-up evaluations.
After the programme
One year of access to the e-learning platform. Self-assessment of the skills acquired and a 30-day follow-up session with your trainer.
How to register
Registration online or on the basis of a quotation.
Lead time
11 working days after confirmation of registration.
Accessibility
Accessible to people of determination. Contact our accessibility coordinator to design a suitable solution: contact@mpf-academy.ae
Start dates
Rolling intake: in addition to the scheduled sessions, this programme can start on request.