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.
FCA boosts support for innovative firms as they scale and grow
Five fast-growing firms have joined the FCA’s Scale-up Unit, receiving tailored support to help them innovate, navigate regulation and grow sustainably. ClearScore, Modulr, Teya, Urban Jungle and Zilch, spanning payments, consumer finance, credit information and insurtech, are the first firms regulated solely by the FCA to take part. The Scale-up Unit gives firms tailored regulatory support as they develop new products, respond to policy changes and manage the challenges of rapid growth. Insights from a recent pilot with 15 high-growth firms, published on 10 August 2026, show that early investment in governance, risk management and controls helps firms manage the opportunities and challenges of growth, as well as scale sustainably.‘High-growth firms play a vital role in driving economic growth across the UK,’ said Jessica Rusu, chief data information and innovation officer, FCA. ‘We want the UK to remain one of the best places in the world to start, grow and...
High-growth firms: good and poor practice
Read our review of good practice and areas for improvement identified through our Early and High Growth Oversight pilot with high-growth firms. ... Firms that grow rapidly can benefit consumers and markets by increasing choice and access, improving services and supporting innovation. High growth firms can also contribute to economic growth through job creation and investment in infrastructure and technology. But if firms prioritise expansion ahead of developing governance, risk management and control frameworks, this can increase the risk of harm. Between July 2025 and March 2026, we engaged with 15 firms across asset management, wealth management and payments as part of a high-growth pilot. This was to identify rapidly growing firms earlier and support them as they establish and evolve their business. We assessed whether their governance, risk management and control frameworks were developing in line with their growth. Below, we set out examples of good and poor practice...
FCA applying increased scrutiny to Annex 1 firms
We are concerned about a number of risks among unregulated lenders, safe custody providers, money brokers and financial leasing companies (Annex 1 firms). Firms including unregulated lenders, safe custody providers, money brokers and financial leasing companies, need to be registered with us for anti-money laundering purposes.If you’re carrying out these activities without being registered, you should submit an application for registration.We are concerned about a number of risks we’ve identified among Annex 1 firms, in particular the potential for them to facilitate financial crime.We have seen firms rely too heavily on the financial crime controls of their parent company. Each individual firm within a group must assess whether these controls are appropriate for their financial crime risks, governance and operations. They also can’t rely on off-the-shelf procedures designed for a different company. Each must have controls tailored to the way they operate and the risks they need to manage.We are...
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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