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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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
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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
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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.
PRISM Taskforce outcomes report
**What changed** – The PRISM Taskforce (March‑June 2026) published an outcomes report that introduces a new industry‑informed assessment framework for open‑finance use cases. The framework highlights the conditions—data quality, shared infrastructure, governance, incentives and adoption‑driven design—required for open‑finance initiatives to scale safely. **Who’s affected** – All UK‑based firms that develop or intend to use open‑finance products or services (banks, fintechs, data aggregators, AI/agentic‑finance providers, and their downstream partners) and the regulators overseeing them. **Actions to consider (process steps only)** 1. **Map current projects** against the PRISM framework’s five pillars (infrastructure, data provenance, governance, incentives, adoption). 2. **Identify gaps** in each pillar (e.g., missing data provenance controls, insufficient governance policies). 3. **Develop remediation plans** – update data‑quality controls, establish interoperable standards, and define commercial sustainability models. 4. **Embed the framework** into product‑development lifecycle and risk‑assessment processes. 5. **Report progress** to senior management and, where applicable, to the FCA as part of ongoing open‑finance compliance. **Deadline** – No statutory deadline is set, but firms should complete the initial gap analysis and remediation planning **by 30 November 2026** to align with the PRISM framework’s rollout schedule. **Source** – FCA, “PRISM Taskforce outcomes report” (RSS). URL: https://www.fca.org.uk/news/press-releases/prism-taskforce-outcomes-report.
Looking at how we interact with whistleblowers
**What changed?** The FCA announced a review of its whistle‑blower interaction process following the death of long‑term whistle‑blower Simon Andriesz. An independent non‑executive director, Lea Paterson, has been tasked with examining how the FCA handled that case and identifying any procedural improvements. **Who is affected?** - Current and future FCA whistle‑blowers, especially those who are vulnerable or under personal stress. - FCA staff who receive and manage whistle‑blowing reports. - Firms regulated by the FCA that may be the subject of future reports. **Actions to consider (process steps only)** 1. **Review internal handling procedures** – map the end‑to‑end flow from receipt to closure of whistle‑blowing reports. 2. **Benchmark empathy and professionalism standards** – ensure staff training includes clear guidance on dealing with vulnerable individuals. 3. **Document legal constraints** – confirm what information can legally be disclosed to whistle‑blowers and update internal FAQs. 4. **Implement a feedback loop** – record outcomes of each report and communicate the FCA’s actions where permissible. 5. **Prepare for upcoming lessons** – set a timeline to incorporate any recommendations from Lea Paterson’s review once published early next year. **Deadline** The FCA expects to publish the review’s findings and any resulting procedural changes **early 2025** (exact date to be confirmed). **Source** - FCA RSS feed: “Looking at how we interact with whistleblowers” – FCA RSS document.
Reforming UK capital markets to ensure they work well for our economy
**What changed** – The FCA announced the completion of the first phase of its multi‑year capital‑markets reform programme and set out the next wave of changes. The focus will shift to emerging areas such as token‑isation of assets, the use of artificial intelligence in trading, and the creation of regulated markets for private‑company shares. The FCA also signalled ongoing updates to rules inherited from the EU to better align with UK‑specific market dynamics. **Who’s affected** – All participants in UK capital markets: listed issuers, broker‑dealers, investment banks, fintech firms developing token‑based products, AI‑driven trading platforms, and providers of private‑share trading venues. Existing market participants will need to assess whether the new rules apply to their current activities, while newcomers must design compliance from the outset. **Actions to consider (process steps only)** 1. Map current products and services against the FCA’s emerging focus areas (tokenisation, AI, private‑share trading). 2. Conduct a gap analysis to identify any regulatory shortfalls. 3. Engage with the FCA’s consultation process on the forthcoming rule changes. 4. Update internal policies, controls and governance frameworks to incorporate new risk‑management requirements. 5. Train relevant staff on revised compliance obligations and technology‑risk considerations. **Deadlines** – The FCA will publish detailed proposals for the next reforms by **Q1 2027**, with a formal consultation period of 12 weeks. Final rules are expected to be laid before Parliament and come into force **mid‑2028**. **Source** – FCA RSS feed: “Reforming UK capital markets to ensure they work well for our economy” (speech by Jon Relleen, Director of Infrastructure and Exchanges).
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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