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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Launching a regulated firm or adding permissions? Scope what you need and build an application that gets approved.
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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.
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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.
FCA announces new Board appointments
**What changed** – The FCA announced three new Board members: Lea Paterson CBE and Matthew Tobin (appointed by the Treasury as non‑executive directors) and Deputy Chief Executive Sarah Pritchard (joining as an executive director). **Who’s affected** – The FCA’s governance structure and any firms that interact with the Board (e.g., for policy consultations, regulatory submissions, or stakeholder engagements) will now be overseen by these individuals. **Actions to consider (process steps only)** 1. **Update internal records** – Amend your firm’s regulator contact lists and governance monitoring tools to include Paterson, Tobin and Pritchard as FCA Board members. 2. **Review stakeholder mapping** – Identify any existing or planned engagements that may involve the new directors (e.g., policy consultations, industry forums) and adjust outreach plans accordingly. 3. **Adjust compliance calendars** – Note the 1 Oct 2026 start date for the new directors and ensure any Board‑related reporting or consultation deadlines align with their tenure. 4. **Communicate internally** – Brief relevant teams (policy, legal, regulatory affairs) on the new appointments and their backgrounds to inform future dialogue with the FCA. **Deadline** – The appointments take effect on 1 October 2026; update records and processes before this date. **Source** – FCA RSS feed, “FCA announces new Board appointments” (RSS).
GC26/6: Primary Market Bulletin No. 66
**What changed** - The FCA is consulting on updates to its Primary Market Knowledge Base to align with the new sustainability‑disclosure regime (Policy Statement PS 26/19) that will apply to listed issuers from **1 January 2027**. - Proposals include: 1. **New technical note** – “UK SRS sustainability disclosures for listed companies – Primary Market/TN/803.1”. 2. **Amended technical note** – “Disclosures in relation to sustainability matters, including climate change – Primary Market/TN/801.4”. 3. **Deleted technical note** – “TCFD‑aligned climate‑related disclosure requirements for listed companies – Primary Market/TN/802.3”. **Who is affected** - All listed companies (including SMEs that are listed) that fall under the UK Sustainable Reporting Standard (SRS) and must meet the new sustainability‑disclosure requirements from 1 Jan 2027. - Market participants who rely on the FCA’s technical notes for guidance (e.g., advisers, auditors, and issuers preparing prospectuses). **Actions to consider (process steps only)** 1. **Review** the proposed new and amended technical notes (TN 803.1 and TN 801.4) and the deletion of TN 802.3. 2. **Map** current internal disclosure processes against the proposed changes to identify gaps. 3. **Update** internal guidance and check‑lists to reflect the new SRS disclosure requirements. 4. **Prepare** any necessary changes to prospectus or listing documentation to incorporate the revised disclosures. 5. **Submit** any comments or feedback on the proposals to the FCA by the deadline. **Deadline** - Comments must be submitted by **28 October 2026** (email: primarymarketbulletin@fca.org.uk). **Source** - FCA Primary Market Bulletin No. 66 (GC26/6) – **GC** document type. - URL: https://www.fca.org.uk/publication/primary-market-bulletin/primary-market-bulletin-66 (accessed 2 Oct 2026).
FG26/8: Primary Market Bulletin No. 66
**What changed** - The FCA’s Knowledge Base has been updated to incorporate the guidance set out in **Primary Market Bulletin (PMB) No 66**. - Two existing technical notes have been amended: 1. **Working capital statements and risk factors** – Primary Market/TN/321.5. 2. **Guidelines on disclosure requirements under the Prospectus Rules (Admission to Trading on a Regulated Market) and Guidance on specialist issuers** – Primary Market/TN/619.3. **Who is affected** - Issuers preparing a prospectus for admission to trading on a regulated market. - Companies that are “specialist issuers” (e.g., listed on a specialist market segment). - Advisors and legal counsel who draft working‑capital statements and risk‑factor disclosures for such issuers. **Actions to consider (process steps only)** 1. **Review the updated technical notes** (TN/321.5 and TN/619.3) in the FCA Knowledge Base. 2. **Map current prospectus disclosures** against the revised requirements for working‑capital statements and risk factors. 3. **Identify any gaps** in the admission‑to‑trading and specialist‑issuer guidance. 4. **Amend prospectus templates** and internal checklists to reflect the updated guidance. 5. **Communicate changes** to relevant internal teams (legal, finance, IR) and external advisers. 6. **Document the compliance approach** and retain evidence for FCA supervision. **Deadline** - The updates are effective immediately upon publication of PMB 66 (27 April 2026). All new prospectus filings after this date must comply with the revised technical notes. **Source** - FCA, *Primary Market Bulletin No 66* (PMB), URL: https://www.fca.org.uk/publication/primary-market-bulletin/fg26-8.pdf.
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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