Why Transparency Wins Every Time: The Supreme Court Ruling and Enduro's Promise

On August 1, 2025, the UK Supreme Court delivered a landmark decision in the motor finance sector, one that reshaped conversations about commission, trust, and fairness.

The ruling overturned the broad interpretation of a previous Court of Appeal decision. Crucially, the Supreme Court determined that motor dealers generally do not owe a fiduciary duty to customers, and lenders are not automatically liable for secret commissions to dealers. However, one motorist’s case did succeed….he court found the agreement “unfair” under Section 140A of the Consumer Credit Act 1974, due to the undisclosed size of the commission and concealed commercial ties between dealer and lender

The Financial Conduct Authority (FCA) responded swiftly and plans to launch a redress scheme for unfair cases, with costs projected between £9 billion and £18 billion. Their forthcoming consultation is due early October, leading to redress payments expected in 2026

What This Means for Enduro Finance

1. Transparent by Design
   While the court focused on motor finance, at Enduro we apply transparency across all our services, whether regulated or not. We will always clearly disclose our commissions and earnings, no matter the product or customer.

2. Trust Over Transactions
   Unlike transactional mass-market models, we prioritise relationship-led finance. That means working closely with each client, sharing commission details upfront, discussing options honestly, and ensuring that trust, not profit, frames our work.

3. Ethics First, Regulations Next
   This judgment highlights how legality does not always align with fairness. We believe transparency and ethics are non-negotiable, whether courts dictate them or not.

4. Applying the Same Principles Everywhere
   Whether we’re funding a fleet, equipment, or bridging finance, our approach remains the same: clear terms, eye-level conversation, and client-first thinking.

Looking Ahead

As regulators refine redress policies and industry narratives evolve, one thing remains constant for us: our values are not contingent on legal rulings. We’re proud to serve as a finance partner you can trust; today, tomorrow, and always.