As part of their commitment to promote empowering and effective consumer communications, the Financial Conduct Authority (FCA) released a discussion paper on smarter communications. At CAP we work hard to ensure a high standard of communication with clients, and also have experience of the type of communication our clients receive from creditors. We provided the following response to the FCA, highlighting examples of CAP's communication, as well as areas for improvement in the industry and regulations. Read our response below and the FCA’s discussion paper here.