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Treating Customers Fairly (TCF)

PCF Bank Limited is committed to treating all of our customers fairly and in a manner that is consistent with the principles and ethos of the Financial Conduct Authority’s (FCA) TCF principle.

PCF is committed to delivering consistently fair outcomes to its clients and is focused on establishing the right culture to enable this. The fair treatment of customers is integral to the Bank’s business.

Our TCF Principles:


Vulnerable Customers

PCF Bank Limited is committed to addressing the needs of consumers in vulnerable circumstances.

Our Aims:


Responsible Lending

PCF Bank Limited always make a careful evaluation to gain an understanding of a personal or business customer's financial situation. It is in both the customer's and our interest that we grant credit only when the customer can manage the obligation. We offer finance that is appropriate to their needs and affordability, and we make sure that they understand their financial obligations. In some cases, responsible lending also means that we must refrain from extending credit to the customer.

Our Aims:

To help us give you the most appropriate advice, we will ask you to:


FLA Lending Code 2021

The Finance & Leasing Association (“FLA”) is the leading trade body for the asset, consumer and motor finance sectors in the UK. FLA members include banks, subsidiaries of banks and building societies, the finance arms of leading retailers and manufacturing companies, and a range of independent firms. The types of finance they provide includes hire purchase and conditional sale contracts.

The FLA Lending Code 2021 sets out standards of good practice in consumer lending. It is intended to reassure you that you may buy with confidence from firms which are full members of the FLA. We will meet the standards set out in this Code, and the FLA will monitor our performance in doing so. You can access the Code here.