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.
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.
Powering open finance infrastructure
**What changed** – A new research report “Powering open finance infrastructure” (issued as an RSS feed) outlines three reference architectures for UK open‑finance data sharing – centralised, decentralised/federated and hybrid – and sets out the technical standards, API security, accreditation, consent, monitoring and revocation mechanisms needed for a scalable, trustworthy ecosystem. **Who’s affected** – All UK‑based financial‑service firms, fintechs, data‑aggregators and any third‑party providers that will exchange consumer‑financial data under the forthcoming open‑finance regime (including banks, insurers, asset managers and emerging AI‑driven services). **Actions to consider (process steps only)** 1. **Map current data‑sharing flows** against the report’s “common technical and assurance foundations” (standards, APIs, identity, consent). 2. **Identify gaps** in your API security, accreditation and revocation capabilities. 3. **Select a provisional model** (centralised, decentralised/federated or hybrid) that aligns with your firm’s risk appetite and operational capacity. 4. **Develop an implementation roadmap** – pilot the chosen architecture, establish monitoring controls and document governance for verification and delegation. 5. **Engage with industry standards bodies** (e.g., Open Banking Implementation Entity) to ensure alignment with emerging UK open‑finance standards. **Deadlines** – No statutory deadline yet; however, firms should begin internal assessments within **90 days of the report release** to be ready for any future FCA‑mandated open‑finance requirements expected later this year. **Source** – https://www.fca.org.uk/news/rss/powering-open-finance-infrastructure (RSS feed) – FCA research publication.
FCA secures bankruptcy order against Arthur Temlett
**What changed** – The FCA obtained a court‑ordered bankruptcy (sequestration) against Arthur Temlett, trading as Abacus Insurance Consultants. The Sheriff granted the order on 27 August 2026 and appointed Emma Porter of Aver Chartered Accountants as trustee to administer his estate. **Who is affected** – Arthur Temlett and Abacus Insurance Consultants; any creditors of the firm; and the broader market of insurance‑broker clients who may have been exposed to non‑payment of premiums. The FCA’s earlier prohibition (effective 21 January 2025) that barred Temlett from performing regulated activities, including acting as an insurance broker, remains in force. **Actions to consider (process steps only)** 1. Review internal client lists to confirm whether any current or former customers dealt with Arthur Temlett/Abacus. 2. Identify any outstanding premium payments that may have been mis‑routed and document the amounts. 3. Contact the appointed trustee, Emma Porter (Aver Chartered Accountants), to submit claims for any recoverable funds. 4. Update compliance registers to reflect the ongoing bankruptcy and ensure no further regulated activity is undertaken by the prohibited individual. 5. Monitor FCA communications for any additional enforcement notices or guidance. **Deadlines** – Claims for recovery should be lodged with the trustee as soon as practicable; the trustee will set a formal deadline for creditor submissions in the bankruptcy administration schedule. **Source** – FCA RSS feed, “FCA secures bankruptcy order against Arthur Temlett.” Document type: RSS.
FCA secures money back for victims of crypto fraud
**What changed** – The FCA obtained confiscation orders against Raymondip Bedi and Patrick Mavanga for a £1.5 m crypto‑investment fraud. Bedi must pay £603,404.28 and Mavanga £247,997.99; the recovered sums will be returned to the 65‑plus victims. **Who’s affected** – Investors who were duped between Feb 2017 and Jun 2019 by the duo’s cold‑call scheme (via CCX Capital, Astaria Group LLP, etc.). The orders also affect the two offenders, who face additional custodial penalties if they do not comply. **Actions to consider (process steps only)** 1. **Identify** any client or employee who may have been a victim of the scheme. 2. **Verify** receipt of FCA contact (letter/email) confirming inclusion in the restitution process. 3. **Document** the amount owed to each victim and the expected repayment schedule. 4. **Monitor** FCA communications for disbursement dates and any required claimant forms. 5. **Advise** affected parties to contact the FCA Consumer Helpline (0300 053 2000) if they have not been approached. **Deadlines** – Offenders must satisfy the confiscation orders within **3 months** of the court hearing (28 Sept 2026). Failure may trigger up to an extra 5 years (Bedi) or 2 years (Mavanga) imprisonment. **Source** – FCA RSS feed, “FCA secures money back for victims of crypto fraud.” Document type: RSS.
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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