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Consumer Credit

We help businesses become FCA authorised and obtain the consumer credit license, enabling them to provide regulated services, including, credit broking and lending, whilst doing so in a compliant way.


At Regulatory Counsel, we offer a range of FCA consumer credit services with a commitment to regulatory excellence. Our experienced team, supported by years of industry knowledge, provides tailored solutions for FCA authorisation, compliance, training, and ongoing support. We prioritise a client-centric approach, assisting companies in navigating the regulatory landscape with clarity and confidence.

We offer essential FCA consumer credit services for businesses considering finance as a lender or credit broker.
Our experienced team is dedicated to guiding you through the FCA authorisation process, ensuring compliance, and offering ongoing support to meet your consumer credit licencing needs.

Who we help. 

We assist credit brokers with FCA authorisation, compliance, training, and various services. Whether you're seeking authorisation or aiming to offer financing to customers, our straightforward and professional support is tailored to navigate the regulatory landscape effectively.


We provide support to lenders for FCA authorisation, compliance, audit and training services. Whether you're a new entrant or an established lender, our practical guidance ensures seamless navigation of regulatory requirements, allowing you to focus on your lending activities with confidence.


What we can help with.

Regulatory Counsel is a leading UK firm offering comprehensive FCA authorisation, compliance, training, consulting, and advisory services. 

We can help advise on the requirements and prepare your application for a successful FCA authorisation and application in the quickest time possible. We also help manage communication with the FCA.

FCA Compliance 

Our careful attention to compliance simplifies the intricacies of meeting regulatory requirements. We assess your operations, identify potential risks, and implement effective strategies to streamline compliance.


Our specific training programs provide teams with the latest knowledge and skills, helping them navigate complex financial regulations confidently. We help develop a culture of regulatory compliance, ensuring your employees stay informed with expert guidance and industry best practices.

Financial Crime

We offer services to ensure regulatory compliance and safeguard businesses from potential risks. Our experienced team provides tailored AML and CTF solutions, assisting in strengthening risk management practices and effectively safeguarding client operations.

Regulatory Reporting

We provide expert assistance in regulatory reporting to help firms meet their compliance obligations effectively. Our seasoned team can navigate complex reporting requirements, ensuring accurate and timely submissions to regulatory authorities.

Specialist Support

We offer expert support in specific and thematic areas, such as SM&CR implementation, consumer duty, vulnerable customers, and effective complaint handling. Our tailored solutions address regulatory challenges, ensuring clients achieve excellence with confidence.

About our firm.

Since 2013, Regulatory Counsel has guided firms through ever-evolving compliance landscapes. Our seasoned team, spanning various sectors, actively integrates compliance into day-to-day operations. With a keen eye on senior management responsibilities and consumer needs, we aim for commercial success while effectively managing compliance risks.

In an era of increasing regulatory complexity, our multi-sector specialists collaborate to gain nuanced insights into FCA interactions and industry trends. This collective expertise enables us to align business objectives with compliance requirements, offering tailored solutions that empower our clients to navigate regulations confidently. At Regulatory Counsel, we're dedicated to preserving your vision and objectives in the ever-changing regulatory landscape.

Our People.

Our team of regulatory and compliance experts combine their backgrounds across multiple sectors. Together, they understand the issues faced by our clients and provide a bespoke service. Our service is expert-led. This means that when you engage with us, you will have direct access to a senior expert, usually at the director level. Our team combine strong regulatory expertise with commercial acumen. This means that they are able to understand your business in-depth and provide solutions built around it, unique to yourself. 

What our clients say.

"We sincerely appreciate the support and expertise provided by Regulatory Counsel. Their understanding of financial regulations and tailored approach have strengthened our compliance function. Their guidance played a crucial role in meeting regulatory requirements.

The professionalism, dedication, and commitment shown by them has been invaluable. Their assistance was instrumental in our consumer credit license application and ongoing compliance support. We look forward to continued collaboration."

Neon Lights

Next Steps.

Whether its licencing, compliance or something else, our experts are ready to understand your needs and offer a tailored solution. 

We can usually arrange a free same-day consultation to discuss your project. 

Why Regulatory Counsel.

With a track record of assisting hundreds of consumer credit firms, Regulatory Counsel is well-equipped to guide you through FCA authorisation and regulatory support. Whether you wish to offer finance to your customers or are involved in lending or leasing activities, our expert team ensures compliance for firms seeking authorisation. 

Exceptional client

Our seasoned professionals are equipped with extensive knowledge in financial services regulation and dedicated to providing unmatched insights and guidance.

Whether you're navigating the authorisation process, fine-tuning compliance strategies, or enhancing staff capabilities, count on us for unwavering support throughout your journey.



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