From FCA authorisation to ongoing compliance monitoring, our expert team ensures your credit broking operations are always compliant.
Operating as a credit broker in the UK comes with significant regulatory obligations. Ensuring compliance with the Financial Conduct Authority (FCA) rules and the Consumer Credit Sourcebook (CONC) is essential for safeguarding your business, protecting customers, and avoiding penalties.At Authorised Compliance, we specialise in providing bespoke compliance services that help businesses achieve and maintain regulatory standards. Whether you're starting out or looking to enhance your compliance framework, our team is here to guide you every step of the way.
Ready to ensure your credit broking compliance?Obtaining FCA authorisation is a critical step for any credit broker. Our team simplifies the process by:
- Assessing your business model to determine required permissions.
- Preparing and submitting FCA applications.
- Ensuring all documentation meets regulatory standards.
- Providing ongoing support during FCA assessments.
Ensure your marketing materials meet FCA guidelines and accurately represent your credit broking services. We help with:
- Reviewing advertisements for clarity and transparency.
- Ensuring compliance with CONC regulations on promotions.
- Avoiding misleading or non-compliant claims.
As a credit broker, it's your responsibility to ensure customers can afford the products you recommend. Our services include:
- Designing robust affordability assessment processes.
- Training your team to evaluate customer suitability.
- Ensuring compliance with CONC rules on responsible lending.
Effective complaint handling is essential for maintaining customer trust and meeting regulatory requirements. We offer:
- Development of FCA-compliant complaints procedures.
- Training for staff on handling complaints professionally.
- Systems for tracking and resolving complaints within required timeframes.
Compliance is an ongoing commitment, not a one-time task. Our monitoring services ensure your business remains compliant with evolving regulations:
- Regular audits of policies and procedures.
- Updates to compliance frameworks based on regulatory changes.
- Proactive identification and mitigation of compliance risks.
With over 20 years of experience in regulated credit broking, we understand the challenges businesses face and provide solutions that work.
Every business is unique. We design compliance frameworks that align with your operations and goals.
Our track record includes successful FCA authorisations, effective compliance monitoring, and satisfied clients across the UK.
From initial consultations to ongoing monitoring, our team is here to support your business every step of the way.
We’ll start with an in-depth review of your business operations and compliance needs.
We create a tailored roadmap that addresses your specific challenges and goals.
Our team assists with implementing compliance measures and training your staff.
We provide continuous monitoring and advice to keep your business on track.
FCA authorisation is a legal requirement for credit brokers to operate in the UK. It ensures your business meets regulatory standards and protects consumers.
The process can take 6-12 months. Working with a compliance expert can help streamline the application and avoid delays.
Common issues include misleading advertising, inadequate affordability assessments, and poor complaint handling processes.
Compliance frameworks should be reviewed annually or whenever significant regulatory changes occur.
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