Retail Finance in a new era of Buy Now Pay Later regulation

The UK’s decision to regulate Deferred Payment Credit (DPC), more commonly known as Buy Now Pay Later (BNPL) products, marks a critical shift for consumer finance.

As millions of shoppers rely on retail finance to offset rising living costs, the forthcoming regulatory changes seek to strike a balance between consumer protection and continued access to credit. This white paper explores how these changes will reshape the market, what they mean for consumer brands and finance providers, and why now is the right time for brands to assess their approach to DPC and wider retail finance solutions.