Don’t get caught with your trousers down
Don’t get caught with your trousers down
The 2026 FCA landscape is a bit of a minefield so if you’re currently passing finance deals to another business without being authorised or exempt, you’re at risk of unlimited fines and a whole lot of unwanted attention.
Jigsaw Finance is the human-powered engine that handles the hassle of compliance for you. You focus on the forecourt while we take care of the red tape.
Check out this video from our co-owner James then get in touch to see how we can keep you covered.
Quick reality check
Section 19 breaches are a major focus for the FCA in 2026.
Take a minute to understand the consequences of breaching section 19:
Unlimited financial penalties
The FCA has the power to impose unlimited fines on any person or business found to be carrying on regulated activities without the proper authorisation.
For an independent dealer, even a single non-compliant deal could lead to a penalty that far outweighs the profit of the vehicle sale.
By partnering with Jigsaw, you gain the protection of our compliance framework, ensuring your margins aren’t wiped out by avoidable regulatory fines.
Prosecution and imprisonment
Breaching the general prohibition isn’t just a civil matter; it is a criminal offence.
Individuals found guilty of operating without authorisation can face a maximum penalty of two years’ imprisonment.
We sent you some pants as a lighthearted hook, but the reality is serious – that’s why Jigsaw acts as your compliance partner, allowing you to keep your shirt (and your freedom) and focus on your customers instead of regulations.
Unenforceable finance contracts
If you’re caught with your proverbial trousers down by the regulator, any finance agreements entered into while unauthorised may be deemed unenforceable.
That means a customer could potentially walk away from their obligations, leaving your business exposed to massive financial clawbacks from lenders.
Partnering with Jigsaw ensures every deal is protected, along with the long-term stability of your dealership.
Choose Jigsaw Finance
Jigsaw Finance has been part of the UK motor trade since 2000.
Over the past two years, we’ve quadrupled deal volumes and doubled our team to fifty people, all while keeping the personal service that dealers trust.
Experience, reliability and results that matter when closing a sale and staying compliant.
Get in touch today.