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The Upper Tribunal has listed two possible hearing windows for challenges to the FCA’s motor finance redress scheme: 14–18 December 2026 or 16–26 February 2027. Neither is a confirmed final listing. The FCA’s published material says firms can continue preparing and progress complaints as far as possible, but it does not set out a separate timetable or task list for motor dealers as a class.
When is the motor finance redress hearing?
The Upper Tribunal hearing is listed for either 14–18 December 2026 or 16–26 February 2027. The final dates depend on whether a party applies for further expert opinion or disclosure, and whether any such application succeeds. The FCA announced these conditional windows in its 2 July 2026 statement.
The hearing will consider challenges to the scheme; the timetable is not a decision on their merits. The FCA identifies the four challengers as Consumer Voice, Volkswagen Financial Services, Mercedes-Benz Financial Services and CA Auto Finance.
What does the partial suspension mean for firms?
The Tribunal order partially suspends scheme provisions on terms agreed with the four commercial challengers. Under the FCA’s account, firms are not required to calculate or pay redress, or send scheme-timetable communications about compensation owed, until the Tribunal process concludes. The suspension is limited: rules not suspended by the order remain in force.
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The FCA said: “The partial suspension enables firms to keep preparing for the scheme and progress complaints as far as possible, while avoiding work that may need to be repeated if the challenges succeed.” It also expects lenders to keep complainants informed of developments.
What preparation can continue?
The FCA says firms can continue scheme preparation and progress complaints as far as possible. Its firm guidance, last updated 27 August 2026, says firms should monitor announcements and notify the FCA at the earliest opportunity of issues that may materially affect financial resilience, operational resilience or their ability to carry out scheme steps. The guidance is available at Information for firms on motor finance complaints.
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For affected firms, the practical distinction is between work paused by the Tribunal order and preparation or requirements that remain live. The FCA’s guidance says it should be read in light of the ongoing legal challenge and may need updating, so firms should check current FCA and Tribunal information when assessing what applies.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Do car dealers have a separate FCA preparation deadline?
The FCA materials cited here do not establish a dealer-specific deadline or checklist. They discuss firms and lenders, while the broader firm guidance also refers to brokers. That does not prove that a particular dealer has no obligations: what applies depends on its role and regulatory status. Dealers should not assume that lender requirements automatically apply to them, or that the partial suspension pauses every activity relevant to their business. For a live issue, check FCA updates and obtain advice appropriate to the business’s circumstances.
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