The Department failed to provide adequate oversight to its arm’s length bodies (ALBs) and NHS trusts. Guidance issued by Civil Service Human Resources in December 2020 to accounting officers warned that novel financing arrangements, including salary advance schemes, required caution, and needed departmental accounting officer and HM Treasury approvals. The Department has indicated that owing to an oversight, it only recently cascaded the advice to its ALBs. The Department argues that it would not be normal practice for it to disseminate such advice to NHS trusts, because they are not ALBs of the Department, and so the guidance was not passed to NHS trusts. A number of NHS trusts subscribed to or piloted the Greensill Capital’s scheme, and following its collapse, some moved to paid-for scheme providers. There is also evidence that some salary advance scheme providers have sought and received endorsements from NHS staff and have used these along with the NHS logo and branding to promote their products online. Recommendation: The Department, working with NHSE&I, should adopt a formal process for ensuring that government advice is disseminated to NHS trust leadership for consideration and implementation if relevant. The plan should also include a protocol for ensuring that the NHS logo or brand is not exploited or used by unauthorised individuals or companies and that the staff code of practice includes a protocol for personal endorsements.