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These changes are wide-ranging and some specific proposals are being consulted on. In addition, the FCA will gather additional evidence and carry out further analysis before any formal decisions can be made on a number of other issues. Andrew Bailey, Chief Executive of the Financial Conduct Authority, said: “High-cost credit is used by over three million consumers in the UK, some of who are the most vulnerable in society. Today, we have proposed a significant package of reforms to ensure they are better protected including the possibility of a cap on rent-to-own

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The conceptual assortment plan is a list of products, or product placeholders, that are planned for a future selling period. The DAS helps planners start building their assortments based on attributes, current styles, or even products still in development with the PLM system. Deloitte’s solution lets marketers develop one integrated assortment representing multiple channel needs, speeding the decision process that surrounds product exposure timing.

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