# Motor Finance

## Consumer Duty compliance at volume.

Automated compliance reviews for motor finance agreements — fair value, suitability, and commission disclosure checked on every agreement, at the volume your portfolio demands.

### Consumer Duty review

Collaborative Workflow Management

- **Agreements:** 8,412
- **Flag rate:** 1.8%
- **Fair value:** 100%
- **Coverage:** 100%

### Capabilities

## Every agreement. Every check. No sampling.

### Consumer duty compliance

Fair value, suitability, and commission disclosure checks applied to every finance agreement — automatically, at volume.

### Affordability assessment

Extracts income and expenditure from supporting documents and validates affordability against the agreement terms.

### Commission disclosure review

Flags agreements where commission disclosure may be inadequate or non-compliant with FCA expectations post-review.

### Vulnerable customer detection

Identifies indicators of vulnerability in the case file — flagging cases that need additional human review before finalisation.

### Volume-ready processing

Handles the throughput of large dealer networks or lender portfolios — no manual bottleneck, no sampling compromise.

### Full audit trail

Every check logged with source evidence — ready for FCA supervision or s166 review without manual compilation.

> “Commission disclosure reviewed on every single agreement — not a sample. Our Consumer Duty posture went from anxious to audit-ready.”

- **Agreement coverage:** 100%
- **Accuracy vs human review:** 99%
- **Sampling required:** 0

## How it works

### From dealer system to FCA-ready audit trail.

01

### Agreements submitted at volume

Finance agreements flow in via portal or API — from dealer management systems, direct lender platforms, or manual upload. Any format accepted.

02

### Consumer Duty checks applied

Fair value, suitability, affordability, and commission disclosure reviewed against FCA expectations. Vulnerable customer indicators flagged automatically.

03

### Results delivered with evidence

Compliant agreements pass with a full audit trail. Flagged agreements returned with specific rule breaches and source evidence — ready for review or correction.

## Consumer Duty. Every agreement.

See Curvestone's motor finance compliance review applied to your agreement portfolio.