James Ross, Ruth Bala, Thomas Samuels and Lee Finch are all specialist consumer credit counsel at Gough Square Chambers. On a regular basis, they will share their views with Practical Law Financial Services subscribers on topical developments or key issues relating to consumer credit.

In the July column, James Ross considers the FCA's recent consultation paper (CP17/20), which sets out its proposals for how consumer credit firms should manage risks related to how they pay and manage the performance of their staff.