Phillip Garlick

Product Partnerships Limited is a United Kingdom retail compliance specialist, describing itself as "the retail compliance experts", led by Managing Director Phillip Garlick. The firm has been named Compliance Advisory Firm of the Year in the United Kingdom at the Corporate INTL Global Awards 2025, recognising its role in helping regulated businesses navigate the demanding world of consumer credit and Financial Conduct Authority regulation.

The firm operates as an FCA-authorised principal and compliance specialist, holding permissions across areas such as credit broking, consumer hire and debt administration. In practice this means Product Partnerships can act as the regulated principal for businesses that offer consumer credit facilities to their customers, allowing those businesses to trade compliantly under its umbrella as appointed representatives while it takes responsibility for regulatory oversight. Alongside this, the firm provides compliance support and regulatory data reporting services to consumer credit and claims management firms across the United Kingdom.

Product Partnerships brings deep sector experience to this work, drawing on what it describes as a century of combined experience in retail consumer credit. That expertise spans a wide range of industries in which point-of-sale finance and credit are important, including motor finance, green energy, leisure, furniture retail and technology. This breadth allows the firm to understand the commercial context of each client's business, not just the rules that apply to it, and to deliver clear, compliant credit solutions tailored to how those businesses actually operate.

The firm's services are organised to address the full compliance lifecycle. Through its Artemis platform and its "compliance essentials" offering, Product Partnerships supports firms with day-to-day compliance, FCA applications, Consumer Duty obligations, guidance for directly authorised firms, the management of appointed representative networks and specialist areas such as buy-now-pay-later regulation. This combination of technology and advisory support helps clients keep pace with a regulatory landscape that continues to evolve, particularly around consumer protection and fair treatment. Consumer credit is among the most closely regulated areas of United Kingdom financial services, reflecting its direct impact on ordinary consumers and the potential for harm where credit is offered without adequate safeguards. Retailers and other businesses that wish to offer finance to their customers frequently lack the specialist knowledge or the regulatory permissions to do so themselves, and a principal firm such as Product Partnerships provides a practical route to market by taking on the regulatory responsibility on their behalf. As the rules continue to develop, notably around affordability and emerging products, the value of an experienced compliance partner able to combine principal status with sector knowledge and technology-enabled tools only grows.

Under Phillip Garlick's leadership, Product Partnerships has continued to invest in its team and capabilities, strengthening its position as a principal firm and compliance partner for the retail credit sector. Its recognition as Compliance Advisory Firm of the Year in the United Kingdom at the Corporate INTL Global Awards 2025 reflects the confidence that regulated businesses place in its expertise, and the firm's ability to turn complex consumer credit regulation into practical, workable compliance for the companies it serves.