FCA Compliance Software & Automotive Compliance Services for UK Motor Dealers
Helping dealership groups meet FCA requirements with confidence — including Consumer Duty, vulnerable customer support, competency training, auditing, and Appointed Representative Network services.
Why FCA Compliance Matters
The UK automotive sector is facing increased scrutiny from the Financial Conduct Authority (FCA). Dealer groups must be able to clearly demonstrate compliant, consistent and fair processes throughout the customer journey.
Failure to evidence compliance can lead to:
-
Financial penalties and regulatory sanctions
-
Mis-selling claims and legal disputes
-
Reputational damage and lost consumer trust
Consumer Duty Requirements
Dealerships must now prove customers receive positive outcomes, understand finance and insurance products, and are not misled by unclear communication.
Staff must be able to identify vulnerable customer characteristics and adapt communication and sales processes appropriately.
Avoiding Risk, Fines & Mis-Selling Claims
A robust compliance framework protects your business and ensures every customer is treated fairly throughout the sales process.
About ComplianceTrak
ComplianceTrak is one of the UK’s leading providers of automotive FCA compliance solutions.
We support both single-site dealerships and national dealer groups in managing regulatory risk, strengthening staff competency, and ensuring Consumer Duty is met and evidenced.
​
We deliver a complete 360° compliance framework, including consultancy support, software solutions, AR network oversight, competency development, and ongoing process monitoring.​
FCA Compliance Services
For dealer groups wishing to move away from Direct Authorisation. We take responsibility for oversight, monitoring, reporting and governance under our FCA permissions.
Compliance Auditing & Monitoring
Regular, structured audits ensure your compliance processes remain robust, evidenced and up to date.
Sales Process Reviews & Performance Insight
We review sales journeys to strengthen regulatory compliance while also improving commercial performance.
Competency-based training for sales teams, business managers, service staff and leadership, covering Consumer Duty, product governance and vulnerable customer support.
Our intuitive, paperless compliance software is designed specifically for automotive retail environments, providing a seamless and auditable customer journey.
Structured finance presentation, disclosures and suitability recording.
Clear, compliant sales processes with full documentation trails.
Track, develop and evidence staff FCA competency.
Customer Journey Evidence & Audit Trails
Every compliance step is recorded, timestamped and easily reportable for audit or regulatory review.
"If you think compliance is expensive,
try non-compliance."
Why UK Motor Dealers Choose ComplianceTrak
-
Designed specifically for the automotive retail sector
-
One integrated solution: Software + AR Network + Training + Auditing
-
Strengthens compliance and customer experience
-
Supports Consumer Duty and vulnerable customer fairness standards
-
Hands-on, expert support from real industry specialists
Book a Compliance Review or Software Demonstration
Speak with our automotive compliance specialists today.
We’ll assess your current processes, identify risk areas, and demonstrate how ComplianceTrak can support your dealership or dealer group
FCA Compliance FAQs for Motor Dealers
Understanding FCA Compliance Requirements for Motor Dealers
What does FCA compliance mean in the automotive sector?
FCA compliance in a dealership ensures that consumer credit and insurance products are sold fairly, transparently and with clear documentation. Dealers must demonstrate that customers understand the finance or insurance product being offered, that it is suitable for their needs, and that staff follow compliant sales processes throughout the customer journey.
How does Consumer Duty affect UK motor dealers?
Under Consumer Duty, dealerships must prove they are delivering good customer outcomes. This includes ensuring products meet customer needs, communicating in a clear and understandable way, identifying vulnerability early, and evidencing fair treatment. Dealers must be able to show the FCA that these standards are consistently met and recorded.
What is an Appointed Representative (AR) Network and why choose one?
An AR Network allows a dealership to operate under a principal firm’s FCA permissions instead of becoming directly authorised. This reduces regulatory admin, oversight burden and ongoing reporting complexity. ComplianceTrak provides professional oversight, monitoring, training and documentation support to ensure your dealership operates compliantly and confidently.
How does ComplianceTrak support vulnerable customer identification?
ComplianceTrak provides both training and structured compliance processes to help dealership staff identify signs of vulnerability, adjust communication, and record support provided. This ensures your teams meet both legal and ethical responsibilities while evidencing Consumer Duty compliance.
Can ComplianceTrak support both small dealerships and large dealer groups?
Yes. Our software, training and compliance services are scalable and designed to support both single-site dealers and national groups. Whether you require full AR Network coverage or standalone software for evidencing compliance, solutions can be tailored to your operational structure and regulatory needs.
Stay Informed
Sign up for ComplianceTrak updates and guidance.
Receive monthly insight on FCA expectations, customer outcome monitoring, dealer compliance process improvement and training developments