UK Financial Regulation
Made Simple
End-to-end FCA authorisation support from application to approval. Get authorised faster with our proven process and free regulatory technology tools.
Where are you on your regulatory journey?
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
Authorisation Ready
Average time to full FCA authorisation readiness
Ongoing Compliance Managed
Continuous monitoring and regulatory oversight
Find Your Regulatory Solution
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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.
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 moreOur FCA Application Readiness Timeline
A structured, proven approach to preparing and submitting your FCA application in around 6 weeks. The FCA's own assessment then typically takes a further 6–12 months.
Why Financial Services Firms Choose MEMA
We combine regulatory expertise with technology to deliver faster, more reliable authorisations and compliance support.
You Can Rely on Us
100+ firms successfully authorised across all FCA sectors. We handle the complexity so you can focus on your business.
Faster Process
Submission-ready in around 6 weeks, versus a typical 20+ weeks from kickoff to approval.
Expert Team
Dedicated regulatory specialists with deep FCA knowledge.
MEMA also builds RegTech: RegActions enforcement intelligence · Nasara Connect GRC platform · AI compliance tooling
See what we’ve built →OUR WINNING PARTNERS
Mama Money
Payment Services - FCA Authorisation & EMI Licensing
Treehill Partners
Investment Management - FCA Authorisation & Compliance Framework
Quantum Claims
Claims Management - FCA Authorisation & Consumer Duty Compliance
First Sentinel Wealth
Wealth Management - FCA Authorisation & Ongoing Compliance
Plotify
Investment Platform - FCA Authorisation & Regulatory Technology
Transfer Wallets
E-Money & Payments - EMI Authorisation & AML Framework
Saible
Construction Payments - FCA Compliance & Regulatory Support
maximus
Financial Services - FCA Authorisation & SMCR Implementation
VEGA
Financial Services - FCA Authorisation & Compliance Support
Remitell
Payment Services - FCA Authorisation & Remittance Compliance
Amplifi Capital
Capital Markets - FCA Authorisation & MiFID II Compliance
Uome
Consumer Finance - FCA Authorisation & Consumer Credit Licensing
Selected client work
Examples of how we’ve helped firms get authorised, stay compliant, and respond to the FCA.
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.
Regional financial development and growth in the UK
Read our independent FCA-commissioned research exploring how UK financial services hubs relate to regional growth, productivity and SME access to finance. ... OverviewWe commissioned two independent research papers examining the relationship between financial services, regional economic outcomes, and the geography of finance in the UK. The research was commissioned under the FCA’s secondary international competitiveness and growth objective (SICGO), to develop the evidence base on two questions:Through what channels do financial services hubs contribute to UK GDP growth?Do regional financial services hubs generate distinct growth benefits compared with additional growth in London?The papers explore how the location, type and distribution of financial activity may shape firm performance, access to capital, and regional productivity. Together, the papers contribute to the evidence base on the relationship between financial services and UK growth.The papersPaper 1: Regional financial development and growth in the UK (PDF) – Dr Stefanos Ioannou and Dr Andra Sonea (Oxford...
Strengthening resilience across an increasingly interconnected financial system
Think of the last time you made a payment, transferred money, used a banking app or logged on to online financial services. Did you give much thought to the infrastructure that makes those essential everyday transactions possible?Let’s be honest, you probably didn’t. Most people don’t – until something goes wrong.Financial services rely on a network of providers working behind the scenes – including technology, data and operational service providers.These are so important to the resilience of the financial system that the government granted us powers to implement a new oversight regime, and has now designated the first critical third parties (CTPs).That means, the Bank of England, PRA and FCA will together directly oversee these providers, with a targeted, proportionate focus on ensuring the services they provide to UK financial firms and financial market infrastructures (FMIs) are resilient.Our oversight aims to address system level risks, where many firms rely on the...
FCA secures majority of victims’ money back from convicted fraudster
Victims of convicted fraudster John Burford are set to recover the majority of the money they invested after the FCA obtained a confiscation order against him. In September 2025 Mr Burford, 86, was sentenced to 2 years in prison for defrauding over 100 investors out of £1m.He offered trade alerts and investment opportunities in managed 'funds', despite lacking FCA authorisation. The FCA found he repeatedly misled investors about fund performance, concealed losses and used their money for personal gain, including buying a property.At a hearing at Southwark Crown Court on 27 July 2026, Mr Burford was ordered to pay £655,951.40. This amount represents the total value of assets the court determined were available to be recovered. The funds will be returned directly to victims of his crimes.Together with payments previously made by Mr Burford to investors, nearly all the money, an estimated 99%, originally invested by the approximately 70 known...
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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