Here to help you with Consumer Credit permissions and compliance

Do you want to offer your clients the facility to obtain Finance for your products and services? At Ensured Compliance we have a wealth of experience in providing FCA authorisation and compliance support. Having worked as case officers in the Authorisation department of the FCA's predecessor, the FSA, we understand just what is expected of applicants for regulatory authorisation under the FCA regime. Our aim is to relieve you of the stress of the application process. This aim allows you get on with running your business. The services we offer work to make sure your business operates in line with the FCA standards.

Providing the Compliance Service You NeedWhat Makes Us Different?

We are not a large firm. There are no central London offices we operate in whose cost we must pass on to our clients. As well as this, we do not even try and present ourselves as such through virtual office addresses. Our company is staffed only by long experienced professionals. Your case will never be dealt with by a junior member of our team as, simply, we have no juniors. The business was established on the back of our experience at the FSA. We have a unique firsthand experience on what we considered to be a generally poor quality of support given to applicant firms. Credibility is a valuable commodity, too easily lost through a poor application. Whatever your business, whatever your need. Whether you are a car dealer, dentist, home improvement firm, finance broker, debt management firm, golf club, even a bank. Our team have the range of experience and knowledge to efficiently and professionally attend to your need, Ensured.

Helping with FCA Authorisation and ComplianceWhat We Do - Services and Experience

Consumer Credit

From only £400 - we will help you gain the FCA authorisation to offer your clients Finance.

FCA Authorisation

We have the experience to ensure your FCA application is as efficient as possible.

Compliance Monitoring

All FCA compliant companies are obliged to monitor the latest standards and stay up to date.

Compliance Advice

Benefit from our recent in-house experience of working within the FSA Authorisations department.


Helping you to Offer Credit: FCA Authorisation Consumer Credit Authorisation

Limited Permission or Full Permission

Often this alone causes confusion. As a firm, we have experience in assisting a very broad range of clients. From car dealers wishing the ability to introduce finance options to their customers, to loan or mortgage providers, even banks. Our experience is here for you, to make sure you apply for exactly the permissions your firm needs.

What We Do

Everything. Well, almost. You will need to supply us with information about your firm and your intended activity. From that, we will undertake the entirety of your application. We write your Regulatory Business Plan, assemble financial projections, complete the entire online application. This includes controlled function and controller forms. As well as this we supply you with a full suite of policy and procedure documents as needed. We will then work with you to answer any questions that come back from the FCA.

How Long Does It Take

Much like the piece of string, that is hard to answer, and all depends on the complexity of the application. Assembling the entire application and get it submitted to the FCA typically takes between 2 and 3 weeks from instruction. We have under extreme circumstances completed an application within 24 hours and consider ourselves highly commercial, pragmatic and responsive. Once into the FCA, the approval times range anything from one week to 6 months. Once again this will be dictated by what it is you are seeking to do. Limited permission credit broking, in theory, should be approved much quicker than an application for short-term lending.


Keeping up to Date With FCA RegulationsCompliance Monitoring

Once approved, you must ensure your business complies continuously with the relevant rules detailed in the FCA Handbook. Additionally, your firm will need to make periodic online reports to the FCA. The frequency of these depends upon the nature of your authorisation, monthly out to annually.

Periodically the FCA will review your firm's activities. The frequency of this is determined by the FCA's assessment of the risk that your firm poses. The maximum period is every 4 years. Failure to comply with FCA rules can have severe consequences for both firms and management.

We are here to help you, Compliance Ensured.

Contented ClientsTestimonials

FCA approval was really important to our business, enabling us to develop an important new revenue stream. From the very beginning, Ensured Compliance were very competent and helped us with all the aspects of our application. Their ongoing support service also provides great peace of mind.

Scott Greening - Alto Energy Ltd - June 2018


After over 30 years in Banking, I decided to establish my own Mortgage Brokerage. I was aware of the need to be FCA regulated, and was aware from other mortgage brokers that this could be both problematical and time consuming. We approached a number of people to help with the preparation of our application, but finally decided to run with Stephen Harris. He was knowledgeable and guided our application through the process. Our application was approved within a very short period of time, and with a minimum of fuss. We were delighted with the service, and retain Ensured's services for all our compliance requirements.

Mark Pagett - CAPC Commercial - June 2018



Click here to read more testimonials

Each Company is Unique - So Prices Do Vary. Please Request a QuotationPricing Examples

Limited permission authorisation = £400


Full permission authorisation (from)

Credit Broking

£750

Payment Services

£1,200

Lending/Loans

£1,500

Debt Management

£1,700

*prices are plus VAT


Keeping up to Date With FCA RegulationsCompliance Monitoring and Reporting

For Limited Permission Firms, our charge is £25 per month on a rolling one-month contract.
For a Full Permission Credit Broker, our charge is £50 per month.
Pricing depends on the amount of support your firm needs.

We ensure that our pricing is competitive and that our clients receive full value for money, Ensured.

All prices are plus VAT.

Stay in TouchContact Us

01206 625530

info@ensured-compliance.com

Top