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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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.
Strong compliance functions support trusted corporate finance markets
**What changed** – The FCA’s latest Regulatory Priorities Report highlights gaps in corporate‑finance compliance functions, stressing that effective compliance must be embedded as a cultural responsibility rather than a checklist of tasks. **Who’s affected** – All UK corporate‑finance firms (including advisers, arrangers and sponsors) that raise capital or execute strategic transactions for business clients. **Actions to consider (process steps only)** 1. Review current compliance framework against the FCA’s identified best‑practice themes (e.g., conflict‑of‑interest management, senior‑manager accountability, proactive challenge of business decisions). 2. Map compliance responsibilities to senior‑manager roles and ensure clear escalation routes for risk concerns. 3. Embed compliance culture through regular training, communication of expectations, and performance metrics tied to ethical outcomes. 4. Conduct an internal audit of compliance resources (staffing, systems, monitoring) to identify shortfalls highlighted in the FCA survey (e.g., resource adequacy, risk‑based monitoring). 5. Implement a remediation plan with measurable milestones and reporting to the board. **Deadline** – No statutory deadline is set, but firms should commence the review and remediation programme within the next 12 months to align with the FCA’s ongoing supervisory focus. **Source** – FCA Regulatory Priorities Report (RSS) – “Strong compliance functions support trusted corporate finance markets”. **Document type** – RSS feed.
New rules to make long-term investment funds clearer
**What changed** – The FCA has introduced new liquidity‑redemption rules for authorised non‑UCITS retail schemes (NURS) that invest in “inherently illiquid assets” such as property and infrastructure. Funds must now give investors a minimum **90‑day notice period** before cash can be redeemed, and they must disclose this notice period and the expected speed of cash return up‑front. Existing funds have **2 years** to implement the rules, and they must provide investors with at least **12 months’ notice** before the new terms take effect. **Who is affected** – All FCA‑authorised fund managers that run NURS funds holding illiquid assets (e.g., property, infrastructure) and the retail investors in those funds. **Process steps to consider** 1. Review current fund documentation and redemption terms. 2. Update prospectuses, K‑IDs and marketing material to state the 90‑day notice period and any longer period justified by the fund’s strategy. 3. Amend internal redemption‑processing systems to enforce the notice requirement. 4. Communicate the change to existing investors, providing at least 12 months’ notice before the new terms apply. 5. Train client‑facing staff on the revised disclosures and redemption timelines. **Key deadlines** - **2 years** from FCA publication for existing funds to comply (by ≈ December 2025). - **12 months** notice to investors before the new terms become effective. - FCA consultation closes **11 December 2026**. **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).
CP26/35: Fair redemption terms for authorised funds investing in illiquid assets
**What’s changing** – The FCA is proposing new rules that require retail open‑ended funds (Non‑UCITS Retail Schemes, NURS) with ≥ 50 % of assets in inherently illiquid investments (e.g., real estate, infrastructure) to set redemption periods that reflect the time needed to sell those assets. Minimum redemption terms will be introduced and the existing Funds Investing in Inherently Illiquid Assets (FIIA) regime will be aligned with international standards. **Who is affected** - All Authorised Fund Managers (AFMs) running NURS funds meeting the illiquidity threshold. - Investors in those NURS funds (directly or via pension, SIPP, life‑assurance wrappers). - Fund distributors, financial advisers, investment consultants, SIPP operators, depositaries, and providers of unit‑linked life products that reference the affected funds. **Process steps to consider** 1. Review current portfolio composition to identify NURS funds with ≥ 50 % illiquid assets. 2. Assess existing redemption terms against the proposed minimum periods. 3. Update fund rulebooks, prospectuses, and marketing material to reflect any new redemption timelines. 4. Align liquidity‑risk management policies and stress‑testing procedures with the new standards. 5. Communicate changes to distributors, advisers, and investors. **Key dates** - Consultation closes 11 December 2026 (online response form or cp26‑35@fca.org.uk). - FCA expects to publish final rules in H1 2027. **Source** – FCA Consultation Paper CP26/35, *Fair redemption terms for authorised funds investing in illiquid assets* (CP).
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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