UK Financial Regulation
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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
FCA Fines Database
Search and analyse 10+ years of FCA enforcement actions and penalties.
- ✓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
FCA Fines Database
Search and analyse 10+ years of FCA enforcement actions and penalties.
- ✓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
FCA Fines Database
Search and analyse 10+ years of FCA enforcement actions and penalties.
- ✓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.
Why Financial Services Firms Choose MEMA
We combine regulatory expertise with technology to deliver faster, more reliable authorisations and compliance support.
Proven Track Record
500+ firms successfully authorised across all FCA sectors with a 98% approval rate.
Faster Process
12-week average timeline vs industry average of 20+ weeks.
Expert Team
Dedicated regulatory specialists with deep FCA knowledge.
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How We Support Our Clients
From initial authorization through ongoing compliance, we're your trusted regulatory partner every step of the way.
What Our Clients Say
Trusted by hundreds of 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.
Stepping back, staying safe: a joined-up approach to growth
Speech by David Geale, executive director, payments and digital finance, and PSR managing director at the MoneyLIVE Summit 2026, London. ConsolidationRule 1 is ‘Out of clutter, find simplicity.’The Government announced its intention to consolidate the PSR into the FCA about a year ago. It was a decision we welcomed.Our work has always been complementary, and we made it work.As an economic regulator, the PSR is focused on getting the foundations right – the payment systems and infrastructure that enable the ecosystem to operate.And as the conduct authority, the FCA focuses on what sits on top – the delivery of the services and products consumers rely on.But, that separation was a product of its time. The world was different then – we needed the specific focus on competition, innovation and access in payments infrastructure that came from the PSR.Since then, both we and the market have evolved and grown. The ecosystem...
Mortgage lending statistics - March 2026
We collect mortgage lending data via the Mortgage Lending and Administration Return (MLAR) which is submitted to the FCA by firms carrying out mortgage lending and mortgage administration. ... Statistics on mortgage lending: Q4 2025 editionThe latest commentary and full statistical tables are available below. The commentary includes technical information on the MLAR as well as analysis of the findings.Commentary on the statisticsMLAR statistics: summary tables (Excel)MLAR statistics: detailed tables (Excel)Technical notes (PDF)How the data is calculated (PDF)For any technical queries on the tables contact MLAR Statistics.An explanatory note detailing the relationship between this data and other mortgage statistics published by the Bank of England is available on their website.Latest findingsThe outstanding value of all residential mortgage loans increased by 0.8% from the previous quarter to £1,734.4 billion, the highest stock of outstanding mortgage loans since reporting began in 2007, and was 3.0% higher than a year earlier. The value...
Commentary on Mortgage lending statistics Q4 2025
The FCA and the Prudential Regulatory Authority (PRA) both have responsibility for the regulation of mortgage lenders and administrators. We jointly publish the mortgage lending statistics every quarter. ... Since the beginning of 2007, around 340 regulated mortgage lenders and administrators have been required to submit a Mortgage Lending and Administration Return (MLAR) each quarter, providing data on their mortgage lending activities.Key findingsThe outstanding value of all residential mortgage loans increased by 0.8% from the previous quarter to £1,734.4 billion, the highest stock of outstanding mortgage loans since reporting began in 2007, and was 3.0% higher than a year earlier (Table A). The value of gross mortgage advances decreased by 1.3% from the previous quarter to £79.4 billion, but remained 15.4% higher than a year earlier (Table A and Chart 1). The value of new mortgage commitments decreased by 11.9% from the previous quarter to £69.9 billion, the largest decrease...
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