FCA Authorization Readiness Assessment

Complete regulatory assessment: identify your regulated activities with PERG/RAO mapping, get instant regulatory opinions, and assess your readiness with predictive intelligence based on real FCA decision patterns. Results emailed to you instantly.

PERG/RAO Mapping

Identify regulated activities with perimeter guidance

Predictive Intelligence

Based on real FCA decision patterns

FCA Handbook Guidance

Direct sourcebook references

Instant Email Results

Full report delivered to your inbox

FCA Authorization Readiness Assessment

Start by selecting the regulated activities your firm will conduct. This helps us tailor the assessment to your specific authorization requirements.

What regulated activities will your firm conduct?

Select all that apply. Click the info icon to see examples and regulatory details.

Consumer Credit
Credit Broking - Full PermissionPERG 2.7 | RAO Art.36A

Loan brokers, mortgage introducers (consumer only), vehicle finance intermediaries

Credit Broking - Limited (Non-Advised)PERG 2.7 | RAO Art.36A

Aggregator platforms, panel introducers, broker networks without advice

Credit LendingPERG 2.6 | RAO Art.36H

Consumer lenders, BNPL providers, payday lenders, hire purchase firms

Debt Collecting / Debt PurchasePERG 2.7 | RAO Art.39F

Debt collection agencies, debt purchasers, loan servicing firms

Investments
Investment AdvicePERG 2.7, PERG 5 | RAO Art.53

Wealth managers, IFAs, pension advisers, discretionary investment managers

Investment Arranging / DealingPERG 2.7, PERG 5 | RAO Art.25, 21

Stockbrokers, trading platforms, portfolio managers, fund distributors

Payments & E-Money
Payment Services - ExecutionPERG 15 | PSRs Sch.1

Money transfer operators, cross-border remittance, digital wallets, payment accounts

Payment Instruments IssuingPERG 15 | PSRs Sch.1(4)

Card issuers, prepaid card providers, corporate card platforms

E-Money IssuingPERG 15 | EMRs Reg.2

E-wallet providers, stored-value card issuers, digital money accounts

Insurance
Insurance Distribution - ArrangingPERG 5 | RAO Art.25(2)

Insurance brokers (non-advised), comparison sites, MGA/MGU networks

Insurance Distribution - AdvisingPERG 5 | RAO Art.53

Insurance advisers, protection specialists, IFAs offering insurance advice

Insurance - Introducer OnlyPERG 5.6 | N/A (potentially exempt)

Affinity introducers, white-label partners, referral-only models

Mortgages
Mortgage Advising / ArrangingPERG 4 | RAO Art.25A, 53A

Mortgage brokers, equity release advisers, mortgage networks

Claims Management
Claims ManagementPERG 2.9 | FSMA Art.39A

Claims management companies, PPI specialists, compensation recovery firms

Frequently Asked Questions

How is the approval likelihood calculated?

Our predictive engine analyzes your responses against historical FCA decision patterns, threshold condition requirements, and common failure reasons identified in published Decision Notices. The score reflects how well your current state matches successful applications while flagging areas that commonly lead to refusals.

What are "FCA Says" tooltips?

Each question includes direct references to relevant FCA Handbook paragraphs (PERG, COND, SYSC, etc.) and examples from actual Decision Notices where applications failed on similar issues. This helps you understand exactly what the FCA expects and why certain areas are critical.

Is this assessment a substitute for professional advice?

No. This tool provides an initial assessment to help identify potential gaps and areas requiring attention. For a formal FCA authorization application, we strongly recommend engaging experienced regulatory professionals to ensure your application meets all requirements.

What permission types are covered?

The assessment covers common permission types including Payment Services (API/PISP), E-Money Institution, Consumer Credit, Investment Services, and Insurance Distribution. The questions adapt based on your selected permissions to focus on the most relevant requirements.

How long does the assessment take?

The full assessment typically takes 15-20 minutes to complete. You can save your progress and return later to complete it. We recommend having relevant documentation to hand (business plan, governance structure, AML policies) to provide accurate responses.

Need Expert Support?

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