Motor Finance Commission Complaints

The Financial Conduct Authority (FCA) is conducting a review of the historical payment of motor commission by motor finance companies to vehicle dealers.

Following the start of this review, the Court of Appeal made a ruling in relation to disclosure of commission, which was subsequently appealed to the Supreme Court.

The Supreme Court announced its decision on 1st August 2025. The FCA is now consulting on the details of a proposed redress scheme which is expected to launch in 2026.

Pause on Complaints

In January 2024, the FCA announced a pause on the rules for managing complaints about discretionary commission arrangements. This was extended in September 2024, and again in December 2025, allowing firms until after 31st May 2026 to respond to these complaints.

In December 2024, the FCA further extended the pause to include complaints involving non-discretionary commission arrangements.

What is a Discretionary Commission Arrangement (DCA) Complaint?

A DCA complaint is a complaint that relates to a regulated credit agreement, entered into before 28 January 2021, which financed the purchase of a motor vehicle and that provided for payment of a commission linked to the interest rate which the lender allows the dealer or broker to select. 

What is a Non-Discretionary Commission Arrangement (Non-DCA) Complaint?

A Non-DCA Complaint relates to a regulated credit which financed the purchase of a motor vehicle, that provided for the payment of a commission and is not a relevant DCA complaint.

In December 2025 the FCA excluded complaints where the vehicle is leased.

Make a Complaint​

If you wish to make a complaint about the commission arrangement affecting your agreement with us please use the link to our online complaint form, select ‘Commission’ from the drop down menu and complete the form.

If you have had more than one agreement with us please complete a separate complaint form for each agreement you wish to complain about. You do not need to enquire what type of commission arrangement was in place before you make your complaint. We will check this for you.

What Happens Next

We will acknowledge receipt of your complaint and confirm whether your agreement was affected by a discretionary commission arrangement (DCA) or other type of commission arrangement (Non-DCA).

We’ll then investigate your complaint in line with the timescales and guidance provided by the FCA.

Further Information

Further information is available at www.fca.org.uk/consumers/car-finance-complaints.

If the FCA make any more changes that affect your complaint, we will include these on this website.