UK Financial Regulation
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Trusted FCA authorisation consultants with a 98% success rate. Get authorised faster with our proven process and free 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
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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.
Investment trust votes, conflicts of interest, and our role
On 3 March 2026, we said we’d bring forward our planned review of the UK Listing Rules for Investment entities, including how they apply to board independence and related party provisions.Since then, there has been substantial debate over our role in relation to investment trusts, including calls for us to ‘get to grips’ with voting rules ‘that allow a minority shareholder to repeatedly attack an investment trust’.Much of this debate suggests there are misunderstandings about how investment trusts are governed and where responsibilities sit. We’re concerned this may confuse investors in these trusts. Other calls to action have lacked clear proposals or been based on future hypothetical scenarios for which protections often exist. We want our review to ensure that these rules remain fit for novel circumstances.This blog reminds participants of their powers and responsibilities, clarifies our role, and sets out what our review will cover.
FCA fines Dinosaur Merchant Bank Limited for market abuse surveillance failures
The FCA has fined Dinosaur Merchant Bank Limited (DMBL) £338,000 for failing to put in place effective systems and controls to detect and report suspicious trading in its contracts for difference (CFD) business. CFDs are sophisticated financial products that are used to speculate on various assets going up or down in value. Given their high-risk nature, firms must have strong and reliable surveillance arrangements to prevent insider dealing and market manipulation.In June 2024, DMBL introduced a new order system that led to a sharp increase in CFD trading by its clients. Between June and October 2024, trades with a corresponding asset value of approximately $3.05 billion were executed via the platform. However, these orders and trades were not captured and reviewed by the automated surveillance system which meant that potential market abuse could have gone undetected.Although DMBL identified this issue in October 2024, the firm failed to properly address the...
My FCA marks first year with a single, streamlined sign in for all firms
As part of ongoing improvements to My FCA, and following the successful removal of RegData sign in at the end of last year, we have now removed direct access to Connect and the Online Invoicing System. Firms do not need to take any action. All existing RegData, Connect and Online Invoicing links and bookmarked pages will now automatically redirect to My FCA, where you can access all systems from a single homepage without signing in again. This makes managing your regulatory tasks quicker and more efficient.One year of My FCAOne year on from launch, My FCA has proven to be a real success. It’s now used by all firms, providing a streamlined, effective way to manage regulatory tasks. Engagement continues to grow, feedback has been strong, and My FCA is now firmly embedded as a key part of firms’ regulatory journey.Jessica Rusu, the FCA's chief data, intelligence and information officer...
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