December 19, 2022
What is the Senior Managers & Certification Regime ?
The Senior Managers and Certification Regime (SM&CR) replaces the Approved Persons Regime (APR) which is how the FCA used to regulate people working in financial services.
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April 11, 2021
Preparing financial projections for the FCA
In this article, we briefly cover the financial projections that companies are expected to produce when submitting their application to the Financial Conduct Authority (FCA).
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August 29, 2022
Who would be considered a Politically Exposed Person (PEP)?
“A Politically Exposed Person (PEP) is a natural person who is or has been entrusted with prominent public functions and includes his/her immediate family or persons known to be close associates of such persons, but shall NOT include middle ranking or more junior officials.”
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March 24, 2025
Preparing for Future Challenges: Emerging UK Crypto Regulations and Strategic Planning
In the concluding part of our series, we shift focus to tomorrow’s regulatory environment—including pending legislation, potential expanded authorisation requirements, and international alignment trends.
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March 17, 2025
Achieving FCA Compliance in the UK Crypto Sector: Registration, Best Practices, and Case Studies
Having explored the regulatory foundations in our first article, we now turn to the nuts and bolts of achieving FCA compliance.
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July 25, 2025
Regulation in Motion: What the FCA Moved This Week
From fines to financial access, the FCA continues to evolve — balancing strong enforcement with structural reform.
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AML compliance in cryptocurrencies is impacted by the EU's expansion of policies
The European Parliament has decided to approve a set of rules to enhance the EU's anti-money laundering and terrorist financing tools, with a specific focus on the cryptocurrency business. The regulation mandates the implementation of heightened due diligence protocols and identity verifications for customers. Obligatory entities, including cryptocurrency asset managers and institutions, are required to notify Financial Intelligence Units (FIUs) or other competent authorities of any suspicious activities. An elevated degree of due diligence is being applied to the cryptocurrency sector.
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August 31, 2022
What is money laundering and what are some red flags you should consider?
Money laundering is the process of concealing or disguising the existence, source, movement, destination, or use of illicitly-derived property or funds to make them appear legitimate.
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February 20, 2025
FCA Announces Payment Services Authorisation Information Sessions
The FCA Payment Services Authorisation Information Session will take place on 9 May 2025 in Stratford, with a virtual session in June. This event is essential for payments and e-money firms seeking FCA authorisation, as well as advisory firms supporting the sector.
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March 15, 2023
The Motor Finance Industry: How to Apply the Consumer Duty Principle
On 1 March 2023, the FCA released a portfolio letter titled "Implementing the Consumer Duty in the Motor Finance Providers Portfolio." The letter highlights the need for a more consumer-focused approach and emphasizes that CEOs or directors should personally focus on implementing the Consumer Duty.
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April 11, 2021
Planning for FCA Authorisation
In this article, we briefly cover how long to expect when firms are submitting their applications for authorisations to the Financial Conduct Authority (FCA).
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January 28, 2022
What are regulatory controls and how do you conduct control monitoring
As a regulated firm or a firm wishing to become regulated, you will need to ensure you have a robust control plan and can conduct effective monitoring of controls. In this article, we will detail what a control plan is and the steps you can take to conduct effective control monitoring.
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February 16, 2023
Consumer Credit Reforms - Are they long overdue?
The Consumer Credit Act 1974 (CCA) is a significant piece of legislation that regulates credit agreements, such as personal loans, overdrafts, and credit card purchases. However, the CCA has undergone numerous changes over the years, resulting in a fragmented and complex consumer credit framework that is difficult to navigate.
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April 11, 2021
Deconstructing the Dear CEO Letter
On 26 October 2020, the FCA issued its warning to CMC firms regarding their steps taken to fully investigate the merits of each potential claim before pursuing it.
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June 11, 2021
FCA Financial Promotions Quarterly Review
In our first of the series on regulatory smarts, we alert you to the quarterly financial promotion release issued by the FCA
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