Motor dealers must comply with consumer protection law, and those offering vehicle finance need FCA authorisation. Understanding your obligations helps avoid enforcement action and builds customer trust.
Finance offerings
If you introduce customers to lenders or offer credit agreements (hire purchase, PCP, etc.), you need FCA authorisation. This includes acting as a credit broker even if you don't provide finance directly.
For the full set of duties when selling vehicles — material-information disclosure, the new-car CO2 label, FCA finance and type approval — see sell vehicles: rules for dealers and which motor trade rules apply to your business.
Legal basis
Primary legislation and key regulations
Official guidance
Get an MOT (opens in a new tab)
DVSA
Guide to maintaining roadworthiness (opens in a new tab)
Publication · DVSA
Operator Compliance Risk Score (OCRS) (opens in a new tab)
DVSA
Roadside vehicle checks for commercial drivers (opens in a new tab)
DVSA
Securing loads on HGVs and goods vehicles (opens in a new tab)
DVSA
Tax your vehicle (opens in a new tab)
DVLA