FCA Consumer Credit authorisation
Prepare a credible, regulator-ready FCA application.
Enter the UK consumer credit market with a clear understanding of FCA expectations.
Download our practical FCA authorisation guide and understand the key steps required to build a credible, evidence-based application.
What the FCA will assess - and how to prepare
This guide sets out how the FCA assesses consumer credit applications and what firms need to evidence to meet regulatory expectations.
Authorisation requirement
How to assess whether your activities fall within the regulatory perimeter and require FCA authorisation.
Full versus limited permissions
Understand which permissions your firm requires and avoid common issues that lead to FCA challenge and delay.
FCA focus areas
Key areas of FCA scrutiny, including governance, management information, operational readiness and customer outcomes.
Financial and operational requirements
How to demonstrate sufficient capital, liquidity and credible financial projections.
Application preparation and submission
Tips for building a credible, coherent application that meets FCA expectations and reduces the risk of delay.
Post-authorisation expectations
Maintaining compliance, reporting obligations, and meeting ongoing regulatory obligations and delivering good customer outcomes in practice.
Consumer Duty integration
Understand how Consumer Duty requirements influence your customer journey, product design and application.
Authorisation journey timeline
Typical timelines, including factors that may lead to delays such as further information requests.
Ready to prepare your FCA authorisation application?
fscom supports firms through each stage of the authorisation process, from initial scoping to submission and regulatory engagement with practical, expert-led support translating regulatory expectations into clear, structured and evidence-based applications.
What services does fscom provide for FCA authorisation?
fscom provides end-to-end regulatory compliance advisory for financial services firms, including FCA authorisation support, perimeter analysis, governance design, SMCR implementation, compliance framework development, and ongoing assurance reviews.
How can fscom help my firm prepare a credible FCA application?
Our former regulators and compliance specialists help you prepare a credible, complete application that demonstrates operational readiness, reducing delays and positioning your firm for successful entry into the UK consumer credit market.
Are your authorisation solutions tailored to different business models?
Yes, we tailor our authorisation support to your specific business model, permissions required, and regulatory circumstances, whether you're launching new credit products, expanding into the UK, or embedding finance.
Can you support firms after FCA authorisation is granted?
Absolutely. We provide application review, FCA engagement support, and post-authorisation compliance monitoring to ensure your firm maintains regulatory standards and delivers good customer outcomes under Consumer Duty.
What sets fscom apart from other compliance consultancies?
Our team of former FCA regulators, bankers, and compliance professionals brings practical industry experience, regulatory insight, and a proven track record of guiding firms through complex authorisation processes.
How do I request a consultation for FCA authorisation?
Simply contact us via our website or call +44 (0) 28 9042 5451. We'll arrange a consultation to understand your authorisation needs and provide a tailored proposal.
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Assess and strengthen your FCA authorisation readiness with fscom
After downloading this guide, discover how fscom's Compliance Maturity Specialists can support your authorisation journey with regulatory perimeter analysis, governance design, and application preparation that supports the submission of a credible, regulator-ready application.
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About fscom
fscom Compliance Maturity SpecialistsTM provide regulatory compliance solutions to financial services firms across the UK and Europe. With expertise in payments, asset management, capital markets, banking and crypto, fscom helps firms benchmark compliance against regulatory requirements and industry peers, giving them a clear understanding of where they stand and helping them get to where they need to be.
Our mission is to help firms raise compliance standards so, together, we can protect people, prevent financial crime and create a safer society.