"The new proposals align the funding of debt advice more closely with the actual lending firms do, but it will mean some firms will pay a larger levy than they do now."
Home finance providers paid £21m, or 44%, of the levy this year, but this will increase to £24m or 50% under the proposed rules.
A new fee block will also be created for consumer credit lending, so that firms undertaking unsecured lending will pay the other 50%.
This is currently covered by the 'deposit takers' fee block which excludes credit card companies who are paying a relatively small proportion of the levy despite representing a large proportion of total unsecured lending.
The FCA says the new proposals "align the funding of debt advice more closely with the actual lending firms do, but it will mean some firms will pay a larger levy than they do now".
The regulator also plans to charge firms that choose to continue with paper invoices from 2019/20.
About 85% of its authorised firms are registered and using online invoicing, leaving about 8,000 receiving paper invoices.
The FCA says printing and distributing 8,000 invoices as well as the associated paper and postage costs is expensive and time-consuming, and is encouraging all firms to register for online invoicing.
In addition, firms which are not online receive other fees correspondence by post, including reminder letters for non-payment of fees and credit notes, further increasing costs which are carried by the whole body of fee-payers.
In its consultation paper, the FCA said: "We believe that firms wishing to preserve this manual service should pay for it, rather than expecting other firms to share the costs. We estimate that a charge of £50 to £100 per year would cover our costs, but we will review the figures before consulting formally next year. The charge is likely to increase in the future as the number of firms receiving paper invoices declines and any economies of scale are eroded."
