UK Financial Regulation
Made Simple
End-to-end FCA authorisation support from application to approval. Get authorised faster with our proven process and free regulatory technology tools.
Where are you on your regulatory journey?
Pick your situation and we'll point you to the right support.
Get Authorised
Launching a regulated firm or adding permissions? Scope what you need and build an application that gets approved.
Explore Get AuthorisedStay Compliant
Already authorised? Keep your obligations evidenced and your controls audit-ready, without a large in-house team.
Explore Stay CompliantRespond to the FCA
Facing a query, VREQ or supervisory intervention? Respond confidently with evidence-led remediation.
Explore Respond to the FCAPrefer to browse by your role? See who we help →
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
Not sure which support you need?
Answer five short questions and get a tailored recommendation in about two minutes.
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
Hover over any tool to pause • Use arrows to navigate
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.
Liam Coleman appointed as chair of the Financial Ombudsman Service
**What changed** – The FCA Board, with Treasury approval, has confirmed Liam Coleman as the permanent Chair of the Financial Ombudsman Service (FOS) for a three‑year term, succeeding his interim role. **Who’s affected** – All firms that fall under the FOS remit (banks, insurers, mortgage lenders, pension providers, investment firms, and, since 1 April 2019, larger SMEs and claims‑management companies) will be overseen by a chair with extensive regulatory and public‑sector experience. **Actions to consider (process steps only)** 1. Review internal governance records to note the new chair’s appointment date (10 Oct 2026). 2. Update any FOS‑related contact lists, stakeholder maps, and communication templates to reflect Liam Coleman as Chair. 3. Assess any ongoing or upcoming redress projects for alignment with the FCA‑FOS transformation agenda referenced in the announcement. 4. Ensure compliance teams monitor forthcoming FCA/FOS guidance that may arise from the new chair’s strategic direction. **Deadline** – Effective date of appointment: **10 October 2026**. **Source** – FCA RSS feed, “Liam Coleman appointed as chair of the Financial Ombudsman Service.” **Document type** – RSS.
Strong compliance functions support trusted corporate finance markets
**What changed** – The FCA’s latest Regulatory Priorities Report includes the first systematic assessment of corporate‑finance firms’ compliance functions. A survey of 411 firms (382 responses) highlights gaps in resources, risk‑challenge capability and cultural embedding of compliance. **Who’s affected** – All UK‑authorised corporate‑finance firms (including boutique advisers, investment banks and specialist intermediaries) and their senior managers responsible for compliance, risk and culture. **Actions to consider (process steps only)** 1. Review current compliance staffing and skill‑mix against the survey benchmarks. 2. Map how compliance challenges business decisions and identify any “task‑only” approaches. 3. Embed compliance objectives into senior‑manager statements and governance frameworks. 4. Develop a culture‑change plan (training, communication, incentives) to ensure compliance is viewed as a business‑wide responsibility. 5. Document the updated compliance model and be prepared to evidence it in future FCA supervisory reviews. **Deadlines** – No formal FCA deadline is set, but firms should commence the above steps promptly to align with the FCA’s ongoing supervisory focus and avoid potential regulatory scrutiny. **Source** – FCA Regulatory Priorities Report (RSS) – “Strong compliance functions support trusted corporate finance markets”. https://www.fca.org.uk/publications/regulatory-priorities/strong‑compliance‑functions‑support‑trusted‑corporate‑finance‑markets (RSS).
New rules to make long-term investment funds clearer
**What changed** – The FCA has proposed new rules that require authorised fund managers of non‑UCITS retail schemes (NURS) investing in “inherently illiquid assets” (e.g. property, infrastructure) to give investors a minimum 90‑day notice before redemption. Funds must also disclose from launch how quickly cash can be returned and whether the product is intended for long‑term investment. Existing funds have a two‑year transition period to adopt the rules and must provide at least one‑year notice to investors before the new terms apply. **Who is affected** – All FCA‑authorised managers of NURS funds that hold illiquid assets, and the retail investors in those funds. **Actions to consider (process steps only)** 1. Review current fund documentation and redemption terms for compliance with the 90‑day minimum notice. 2. Update prospectuses, K‑IDs and marketing material to clearly state the fund’s liquidity profile and notice period. 3. Amend internal redemption processes to enforce the notice period and allow orderly asset sales. 4. Communicate changes to existing investors, providing at least 12 months’ notice before the new terms take effect. 5. Implement monitoring to ensure ongoing adherence to the new liquidity standards. **Key deadlines** – Consultation closes 11 December 2026; existing funds must comply within two years of the final rule (by December 2028) and give investors a minimum of one year’s notice before the new terms apply. **Source** – FCA RSS feed, “New rules to make long‑term investment funds clearer” (CP26/35 – Fair redemption terms for authorised funds investing in illiquid assets).
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?
Book a free consultation to discuss your FCA authorisation or compliance needs.
Book a Free Scoping Call