The Financial Conduct Authority (FCA) has opened an enforcement investigation into The Claims Protection Agency Limited (TCPA) following concerns about its advertising and sales tactics in relation to potential motor finance claims. The investigation is examining what customers were told about the amount of redress they might obtain, whether they were told they could make a claim for free, and whether they were pressurised to sign up, with the FCA emphasising it has not reached any conclusions on whether regulatory requirements were breached. TCPA advertises for motor finance claims and refers potential claimants to law firms for representation services, and has used trading names including My Claim Group, Martin’s Tips, Karen’s Claims, Express PCP and The PCP Guys. A voluntary requirements application effective from 12 August 2025 required TCPA to stop onboarding new customers, stop publishing new financial promotions and withdraw all existing financial promotions. The FCA also set out the litigation history around publicising the investigation, after TCPA sought judicial review of the FCA’s decision to announce it and was unsuccessful in the High Court, with permission to appeal refused by the Court of Appeal; the FCA cited its “exceptional circumstances” policy for announcing investigations, including protecting consumers and maintaining public confidence. In related context, the FCA referenced its wider work on claims management company conduct, including joint messaging with the Solicitors Regulation Authority and the removal or amendment of more than 740 misleading adverts by FCA-regulated claims management companies since January 2024. It also noted its consultation on a proposed motor finance consumer redress scheme closed on 12 December 2025, with final rules expected in February or March 2026.

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