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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Already authorised? Keep your obligations evidenced and your controls audit-ready, without a large in-house team.
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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.
Premier Payment Solutions Ltd enters liquidation
On 10 September 2026, Premier Payment Solutions Ltd, which traded as PPS Money and MTBS (together, 'PPS Money'), entered liquidation. Bai Cham and Gary Shankland of BTG Begbies Traynor were appointed joint liquidators. PPS Money is registered as a small payment institution under the Payment Services Regulations 2017 (the PSRs). The firm provided money-remittance services, primarily supporting money service businesses to make cross-border payments, including through its network of FCA-registered agents, which are businesses or individuals registered to provide payment services on its behalf. See a list of PPS Money’s current and former agents.PPS entered liquidation after the directors determined that the firm could no longer continue trading. The joint liquidators are responsible for assessing customer claims against the firm and distributing funds back to customers where possible.If you have any questions regarding the liquidation process, please contact: premier.ps@btguk.com.We will continue to engage with the joint liquidators and take any...
Upper Tribunal upholds Crispin Odey ban
Crispin Odey’s ban from the financial services industry has been upheld by the Upper Tribunal, which found he lacked integrity. Mr Odey was the founder and majority owner of Odey Asset Management (OAM). He faced an internal disciplinary process for breaching a final written warning relating to repeated and persistent inappropriate behaviour towards female employees.In response, Mr Odey bullied and threatened his executive directors. He then twice dismissed OAM’s executive committee (ExCo) when they did not give in to his improper pressure. Mr Odey was only willing to answer to a governing body that would make a decision he agreed with, which was not to sack him. By removing them, he brought the internal disciplinary process to a halt.Mr Odey’s only purpose was self-preservation and to avoid being held to account for his behaviour. He abused his power and disregarded the impact that his actions had on the firm and...
Call for Input: Tokenised gold – opportunities and risk for UK wholesale markets
We’re seeking views on whether tokenising gold could improve how it is traded, transferred, pledged and held in UK markets. ... Read the Call for Input (PDF)Why we are consultingTokenisation means creating digital tokens that represent ownership of physical gold, which can then be transferred electronically. There is an opportunity for the UK to lead on the next generation of gold-market infrastructure in an innovative, responsible and risk-aware way.We want to understand whether tokenising gold could boost efficiency and competitiveness, while maintaining market integrity and protecting consumers.We’re particularly interested in understanding:use cases in wholesale marketsspecific areas which may prove challengingthe impact of perceived uncertainty around the collective investment scheme (CIS) and alternative investment fund (AIF) regulatory perimeter ... Who this is forGold market participants, including clearing members.Firms developing or considering tokenised gold products.Asset managers and firms operating gold CISs or AIFs.Technology and infrastructure providers working on digital asset platforms.Consumer groups...
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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