The provision, revealed in accounts filed by Stellantis Financial Services UK, highlights the growing financial fallout from the motor finance review launched by the Financial Conduct Authority (FCA). The watchdog is preparing an industry-wide compensation scheme that analysts say could rival the scale of the £50 billion payment protection insurance (PPI) redress programme. At the centre of the scandal are “discretionary commission arrangements” (DCAs) — hidden incentives paid by lenders to car dealers for arranging vehicle loans. Its £37 million provision was signed off in April 2024 — before the FCA confirmed last month that it will impose a mandatory compensation scheme. Santander UK has provided £295 million, while BMW’s UK financial services division has disclosed £70 million.