UK Financial Regulation
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End-to-end FCA authorisation support from application to approval. Get authorised faster with our proven process and free regulatory technology tools.
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Pick your situation and we'll point you to the right support.
Get Authorised
Launching a regulated firm or adding permissions? Scope what you need and build an application that gets approved.
Explore Get AuthorisedStay Compliant
Already authorised? Keep your obligations evidenced and your controls audit-ready, without a large in-house team.
Explore Stay CompliantRespond to the FCA
Facing a query, VREQ or supervisory intervention? Respond confidently with evidence-led remediation.
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Firms Authorised
FCA-regulated firms trust our expertise
Submission-Ready
Typical MEMA prep from kickoff to FCA submission. The FCA's own determination then takes 6–12 months.
Ongoing Compliance Managed
Continuous monitoring and regulatory oversight
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Free Compliance Tools
Professional regulatory tools used by UK financial services firms. Free to use, no registration required.
Regulatory Perimeter Assessment
Discover your FCA regulatory requirements instantly with interactive assessment mapping.
- PERG/RAO mapping
- Sourcebook explainers
- Artefact templates
FCA Fee Calculator
Calculate your annual FCA regulatory fees instantly with our wizard-style calculator.
- Instant calculations
- Pre-defined firm types
- Accurate estimates
SM&CR Navigator
Build your SM&CR framework step-by-step with our comprehensive navigator tool.
- Six-step wizard
- SMF library
- F&P tracking
Consumer Duty Outcomes Checker
Rapid structured assessment against the four Consumer Duty outcomes.
- Four outcomes assessment
- Board report export
- Evidence tracking
Financial Promotions Quick Guidance
Media-neutral pre-clearance aid for financial promotions compliance.
- All channels covered
- Product-specific rules
- Prominence guidance
Vulnerability Support Checker
Proportionate adjustments for customers in vulnerable circumstances.
- Journey-specific prompts
- FCA's 4 drivers
- MI requirements
Complaints Checker (DISP)
Stay on track with DISP timelines, mandatory letter content, and root-cause analysis.
- Timeline calculator
- Letter templates
- Root cause tags
Financial Crime Assessment
Self-assess your AML/CTF controls against Dear CEO letter themes.
- Dear CEO aligned
- RAG scoring
- Expert recommendations
RegActions Enforcement Database
Search and analyse FCA enforcement actions and penalties, plus regulators worldwide.
- 10+ years of data
- Advanced filters
- Trend analysis
FOS Complaints Database
Financial Ombudsman Service complaints data by firm and sector.
- FOS case data
- Firm comparisons
- Sector analysis
Regulatory Perimeter Assessment
Discover your FCA regulatory requirements instantly with interactive assessment mapping.
- PERG/RAO mapping
- Sourcebook explainers
- Artefact templates
FCA Fee Calculator
Calculate your annual FCA regulatory fees instantly with our wizard-style calculator.
- Instant calculations
- Pre-defined firm types
- Accurate estimates
SM&CR Navigator
Build your SM&CR framework step-by-step with our comprehensive navigator tool.
- Six-step wizard
- SMF library
- F&P tracking
Consumer Duty Outcomes Checker
Rapid structured assessment against the four Consumer Duty outcomes.
- Four outcomes assessment
- Board report export
- Evidence tracking
Financial Promotions Quick Guidance
Media-neutral pre-clearance aid for financial promotions compliance.
- All channels covered
- Product-specific rules
- Prominence guidance
Vulnerability Support Checker
Proportionate adjustments for customers in vulnerable circumstances.
- Journey-specific prompts
- FCA's 4 drivers
- MI requirements
Complaints Checker (DISP)
Stay on track with DISP timelines, mandatory letter content, and root-cause analysis.
- Timeline calculator
- Letter templates
- Root cause tags
Financial Crime Assessment
Self-assess your AML/CTF controls against Dear CEO letter themes.
- Dear CEO aligned
- RAG scoring
- Expert recommendations
RegActions Enforcement Database
Search and analyse FCA enforcement actions and penalties, plus regulators worldwide.
- 10+ years of data
- Advanced filters
- Trend analysis
FOS Complaints Database
Financial Ombudsman Service complaints data by firm and sector.
- FOS case data
- Firm comparisons
- Sector analysis
Regulatory Perimeter Assessment
Discover your FCA regulatory requirements instantly with interactive assessment mapping.
- PERG/RAO mapping
- Sourcebook explainers
- Artefact templates
FCA Fee Calculator
Calculate your annual FCA regulatory fees instantly with our wizard-style calculator.
- Instant calculations
- Pre-defined firm types
- Accurate estimates
SM&CR Navigator
Build your SM&CR framework step-by-step with our comprehensive navigator tool.
- Six-step wizard
- SMF library
- F&P tracking
Consumer Duty Outcomes Checker
Rapid structured assessment against the four Consumer Duty outcomes.
- Four outcomes assessment
- Board report export
- Evidence tracking
Financial Promotions Quick Guidance
Media-neutral pre-clearance aid for financial promotions compliance.
- All channels covered
- Product-specific rules
- Prominence guidance
Vulnerability Support Checker
Proportionate adjustments for customers in vulnerable circumstances.
- Journey-specific prompts
- FCA's 4 drivers
- MI requirements
Complaints Checker (DISP)
Stay on track with DISP timelines, mandatory letter content, and root-cause analysis.
- Timeline calculator
- Letter templates
- Root cause tags
Financial Crime Assessment
Self-assess your AML/CTF controls against Dear CEO letter themes.
- Dear CEO aligned
- RAG scoring
- Expert recommendations
RegActions Enforcement Database
Search and analyse FCA enforcement actions and penalties, plus regulators worldwide.
- 10+ years of data
- Advanced filters
- Trend analysis
FOS Complaints Database
Financial Ombudsman Service complaints data by firm and sector.
- FOS case data
- Firm comparisons
- Sector analysis
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Expert Regulatory Support
End-to-end compliance services for UK financial services firms.
FCA Authorisation
Be ready to submit to the FCA in ~6 weeks.
Learn moreCompliance Outsourcing
Your external compliance team.
Learn moreSMCR Implementation
Senior Managers Regime expertise.
Learn moreConsumer Duty
Meet FCA's new standards.
Learn moreFinancial Crime
AML, CTF and sanctions controls for regulated firms.
Learn moreSelected client work
Examples of how we’ve helped firms get authorised, stay compliant, and respond to the FCA.
Our winning partners
FCA Authorisation, Explained in 2 Minutes
What the application actually involves, what the FCA is looking for, and where most firms lose time.
Supporting firms across 11 FCA sectors, from payments to pensions.
What Our Clients Say
Trusted by 100+ UK financial services firms for FCA authorisation and compliance.
During our payment services authorisation, we faced unexpected challenges with our case handler. MEMA advocated for us professionally, secured a case handler change, and supported us through personnel transitions. They even prepared our COO for the FCA interview. Authorised in 9 months despite the complexity - they went above and beyond.
Our compliance resource suddenly left, leaving us exposed to regulatory risk. MEMA stepped in immediately, conducted a full compliance review, and stabilised our operations over 6 months while we recruited. They prevented potential FCA scrutiny and got us back to a strong compliance footing.
We had compliance position issues flagged by the FCA during our investment authorisation. MEMA navigated the regulatory concerns with us, provided detailed supplementary evidence, and worked directly with the FCA to satisfy all queries. Their ex-regulator perspective was invaluable - we're now successfully authorised.
Regulatory Updates
Rapid intelligence on FCA policy statements, Dear CEO letters, and enforcement priorities, curated by the MEMA regulatory team.
Liam Coleman appointed as chair of the Financial Ombudsman Service
**What changed** – The FCA Board, with Treasury approval, has confirmed Liam Coleman as the permanent Chair of the Financial Ombudsman Service (FOS) for a three‑year term, succeeding his interim role. **Who’s affected** – All FCA‑regulated firms and their customers, including small‑and‑medium‑sized businesses (SMEs) and claim‑management companies, will continue to interact with the FOS under Coleman’s leadership. **Actions to consider (process steps only)** 1. Review internal governance records to note the new chair’s start date (10 Oct 2026). 2. Update any FOS‑related contact lists, correspondence templates, and stakeholder registers with the confirmed chair details. 3. Ensure compliance teams monitor forthcoming FOS policy updates, as the new chair may influence redress priorities. 4. Align internal complaint‑handling procedures with any forthcoming FOS guidance released under the new chair’s term. **Key deadline** – Effective date of the appointment: **10 October 2026** (three‑year term runs to 9 Oct 2029). **Source** – FCA RSS feed, “Liam Coleman appointed as chair of the Financial Ombudsman Service.” **Document type** – RSS feed.
Strong compliance functions support trusted corporate finance markets
**What changed?** The FCA’s latest Regulatory Priorities Report highlights new expectations for corporate finance firms to embed a strong, culture‑focused compliance function that can effectively challenge senior managers and manage conflicts of interest. **Who’s affected?** All UK‑based corporate finance firms (including boutique advisers and larger banks) that raise capital or advise on strategic transactions for corporate clients. **Actions to consider (process steps only)** 1. Review current compliance policies to ensure they address integrity and conflict‑of‑interest management. 2. Map compliance responsibilities across senior management and embed accountability for cultural outcomes, not just task check‑lists. 3. Conduct a gap analysis against the FCA’s identified best‑practice themes (e.g., proactive challenge, risk‑based monitoring). 4. Update training programmes to reinforce a compliance‑first culture throughout the firm. 5. Implement regular internal audits and reporting to senior managers on compliance effectiveness. **Deadline** No formal deadline is set, but firms should begin implementing these enhancements promptly to align with the FCA’s ongoing supervisory focus. **Source** [FCA – RSS: “Strong compliance functions support trusted corporate finance markets”](https://www.fca.org.uk/news/rss/strong-compliance-functions-support-trusted-corporate-finance-markets) – RSS document.
New rules to make long-term investment funds clearer
**What changed** – The FCA has proposed new rules requiring long‑term, illiquid‑asset funds (e.g., property, infrastructure) to give investors a minimum 90‑day redemption notice. Existing funds must adopt the rule within 2 years and must provide investors with at least 1 year’s notice before the change takes effect. The aim is to align UK open‑ended funds with emerging international liquidity standards and reduce the risk of sudden suspensions or rushed sales. **Who is affected** – All authorised fund managers that operate non‑UCITS retail schemes (NURS) investing in “inherently illiquid assets.” The rule also applies to any existing fund that currently allows daily redemptions without notice. **Actions to consider (process steps only)** 1. Review current fund terms and redemption policies against the 90‑day minimum. 2. Map any existing funds that will need to change within the 2‑year compliance window. 3. Update prospectuses and marketing material to clearly state the notice period and liquidity profile. 4. Communicate the upcoming change to investors, providing at least 1 year’s advance notice. 5. Adjust internal liquidity management and asset‑sale processes to meet the longer notice requirement. **Key deadline** – FCA consultation closes 11 December 2026. Firms must be ready to implement the new notice period by the end of the 2‑year compliance period (i.e., by December 2028 at the latest). **Source** – FCA RSS feed, CP26/35 “Fair redemption terms for authorised funds investing in illiquid assets.”
FCA Explainers
Plain-English guides to FCA Handbook requirements, compliance frameworks, and regulatory decisions.
DISP Complaints Handling
What the FCA expects from your complaints process, timelines, and root cause analysis.
Read guideHandbookConsumer Duty Outcomes
The four outcomes your firm must deliver under PRIN 2A and how to evidence them.
Read guideGovernanceSM&CR Responsibilities Map
Building an effective responsibilities map with prescribed responsibilities and gap analysis.
Read guideImplementationFinancial Crime Controls
Implementing an effective AML/CTF framework covering BWRA, CDD, monitoring, and SARs.
Read guideCompareDIY vs Consultant: FCA Authorisation
Side-by-side comparison of self-managing vs using a specialist for FCA applications.
Read guideDecisionSection 166 Readiness
How to prepare for and respond to an FCA skilled person review.
Read guideReady to Get Started?
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