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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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 were appointed as non‑executive directors by the Treasury, and Deputy Chief Executive Sarah Pritchard joined as an executive director. **Who’s affected** – The change impacts the FCA’s governance structure and any firms that interact with the Board on policy, regulatory and supervisory matters (e.g., regulated firms, industry bodies, and market participants). **Actions to consider (process steps only)** 1. Update internal governance registers to record the new directors and their start date (1 Oct 2026). 2. Review existing communication protocols with the FCA Board; adjust contact points if required for policy or regulatory queries. 3. Brief senior compliance and legal teams on the new directors’ expertise (public policy, financing law, and internal FCA operations) to anticipate potential shifts in regulatory focus. 4. Monitor forthcoming FCA publications for any strategic guidance that may reflect the new Board composition. **Deadline** – Effective date for all appointments: 1 October 2026. **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 for sustainability disclosures. - A new technical note will be added: **“UK SRS sustainability disclosures for listed companies – Primary Market/TN/803.1.”** - Existing technical note **TN/801.4** (Disclosures in relation to sustainability matters, including climate change) will be amended. - Technical note **TN/802.3** (TCFD‑aligned climate‑related disclosure requirements for listed companies) will be deleted. **Who is affected** - All listed issuers that fall under the new sustainability disclosure regime introduced by Policy Statement PS26/19 (effective 1 January 2027). - Their advisers, compliance teams, and any service providers preparing primary‑market prospectuses or other disclosure documents. **Actions to consider (process steps only)** 1. Review the proposed new TN/803.1 and the amended TN/801.4 to understand the revised disclosure requirements. 2. Map current disclosure practices against the proposed changes to identify gaps. 3. Update internal disclosure templates, checklists, and control procedures to reflect the new/updated technical notes. 4. Train relevant staff (e.g., IR, legal, ESG) on the revised expectations. 5. Prepare a comment response (if desired) addressing any practical concerns or suggestions. **Deadline** - Submit comments on the proposals 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 1 Oct 2026).
FG26/8: Primary Market Bulletin No. 66
**What changed** - The FCA has revised two Technical Notes in its Knowledge Base: 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 (PRM) and Guidance on specialist issuers** (Primary Market/TN/619.3). - The updates are set out in **Primary Market Bulletin No. 66** and replace the guidance previously issued in Bulletin 63 (consultation closed 27 April 2026). **Who is affected** - Issuers preparing a prospectus for admission to a regulated market. - Companies using the UK’s primary market route, including specialist issuers (e.g., listed investment funds, REITs, and other sector‑specific entities). - Advisors, lawyers, and accountants who prepare 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) to understand the new content and formatting requirements. 2. **Map current prospectus disclosures** against the revised guidance to identify any gaps in working‑capital statements or risk‑factor language. 3. **Update internal templates and check‑lists** to reflect the amended disclosure standards. 4. **Train relevant staff** (legal, finance, IR) on the changes before the next prospectus filing. 5. **Document the compliance checks** in your prospectus preparation file to demonstrate adherence to the revised Technical Notes. **Deadline** - The revised guidance is effective **immediately** upon publication of Primary Market Bulletin 66. All prospectus filings submitted **after the publication date** must comply with the new requirements. **Source** - FCA Primary Market Bulletin No. 66 (PMB) – https://www.fca.org.uk/publication/primary-market/bulletin/fg26-8.pdf (Primary Market Bulletin – PMB)
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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