UK Financial Regulation
Made Simple
Expert FCA authorisation and regulatory compliance. Get authorised faster with our proven process and regulatory technology tools.
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
FCA Fines Database
Search and analyse 10+ years of FCA enforcement actions and penalties.
- ✓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
FCA Fines Database
Search and analyse 10+ years of FCA enforcement actions and penalties.
- ✓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
FCA Fines Database
Search and analyse 10+ years of FCA enforcement actions and penalties.
- ✓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
Hover over any tool to pause • Use arrows to navigate
Find Your Regulatory Solution
Answer 5 quick questions to discover which service best fits your needs
Question 1 of 5
What best describes your current situation?
Expert Regulatory Support
End-to-end compliance services for UK financial services firms.
Why Financial Services Firms Choose MEMA
We combine regulatory expertise with technology to deliver faster, more reliable authorisations and compliance support.
Proven Track Record
500+ firms successfully authorised across all FCA sectors with a 98% approval rate.
Faster Process
12-week average timeline vs industry average of 20+ weeks.
Expert Team
Dedicated regulatory specialists with deep FCA knowledge.
OUR WINNING PARTNERS
How We Support Our Clients
From initial authorization through ongoing compliance, we're your trusted regulatory partner every step of the way.
What Our Clients Say
Trusted by hundreds of 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.
Influencers fined for issuing unauthorised financial promotions
Seven social media influencers have been sentenced at Southwark Crown Court for their role in the promotion of an unauthorised foreign exchange trading scheme. Biggs Chris, Jamie Clayton, Lauren Goodger, Rebecca Gormley, Yazmin Oukhellou, Scott Timlin and Eva Zapico all pleaded guilty to one count of issuing unauthorised financial promotions.The outcomes were:Lauren Goodger was fined £3,750 and ordered to pay costs of £5,778.18.Biggs Chris was fined £600 and ordered to pay costs of £1,000.Jamie Clayton was fined £820 and ordered to pay costs of £1,000.Rebecca Gormley was given a conditional discharge and ordered to pay costs of £2,866.42.Yazmin Oukhellou was fined £974 and ordered to pay costs of £1,000. Scott Timlin was fined £938 and ordered to pay costs of £1,000.Eva Zapico was given an absolute discharge and ordered to pay costs of £1,770.44. Steve Smart, executive director of enforcement and market oversight at the FCA, said:'These influencers betrayed the...
Statement on notifications relating to admissions to trading and recent changes to the UK Listing Rules
Our clarification about forbearance following the introduction of the new Public Offers and Admissions to Trading Regulations (POATRs) regime. On 19 January 2026, the Public Offers and Admissions to Trading Regulations (POATRs) regime and associated changes to our listing processes in the UK Listing Rules (UKLR) came into force. These changes introduced a requirement in the Prospectus Regime Manual (PRM 1.6.4R) for issuers to notify a Regulatory Information Service (RIS) of any admission to trading within 60 days of the admission.A key reason for introducing a 60-day notification period was to avoid requiring frequent issuers of securities to publish detailed notifications each time shares are admitted to trading. The policy intention was to support transparency in a proportionate manner by enabling issuers to group admissions occurring within a 60-day period into a single notification.Since the rules took effect, it has been brought to our attention that potentially overlapping requirements in...
Tribunal upholds bans and fines for reckless adviser and fund manager
The Upper Tribunal has upheld the FCA's decisions to ban Stephen Joseph Burdett and James Paul Goodchild from working in financial services. Mr Burdett and Mr Goodchild previously held senior roles at Synergy Wealth Limited (Synergy) and Westbury Private Clients LLP (Westbury), respectively.The FCA banned the pair from working in regulated financial services for recklessly exposing pension holders to unsuitable investments.The Tribunal also found that it was appropriate for the FCA to impose penalties of £265,071 on Mr Burdett and £47,600 on Mr Goodchild.Because of Mr Burdett, 232 personal pension funds worth over £10 million were switched into high-risk investment portfolios that were obviously unsuitable. The portfolios were created and managed by Mr Goodchild at Westbury, with around 38% of overall holdings linked to a single offshore property developer.Despite his knowledge that the portfolios were high-risk, Mr Burdett allowed Synergy’s customers to receive reports indicating that their money would be...
Our FCA Authorisation Timeline
A structured, proven approach to securing your FCA authorisation in 12 weeks.
Ready to Get Started?
Book a free consultation to discuss your FCA authorisation or compliance needs.
Book Free Consultation