Do you need to register under FCA Annex 1?
If your business provides credit and relies on an exemption from full FCA authorisation, you may need to register.
We help you find out and get the application right.
A QUICK ELIGIBILITY CHECK
Ask yourself these three questions
1
Is the lending business established in the UK?
Annex 1 registration generally applies to UK-based firms carrying on lending activities.
2
Is providing credit a regular business activity?
If lending is part of your business model rather than occasional, registration may be required.
3
Relying on an exemption rather than full authorisation?
Many firms under consumer-credit exemptions still need to appear on the FCA Register via Annex 1.
Answered “Yes”, or not sure? It's worth obtaining professional guidance.
Many lenders, funders and finance businesses are unsure whether registration is required; particularly where structures involve SPVs, introducers, brokers or multiple group companies.
COMMON MISUNDERSTANDINGS
The Detail Matters
The correct position depends on your precise structure and contractual arrangements, so individual assessment is important.
Special Purpose Vehicles
The originating lender is usually the entity carrying on the regulated activity. An SPV that simply receives, holds or distributes funding typically does not need its own registration.
Group Structures
Different companies within the same group can have different regulatory obligations. Requirements should be assessed entity by entity.
Brokers & Introducers
Introducing customers and providing credit are different activities. Whether registration is required depends on the specific role you perform.
A straightforward, practical service
Our FCA specialists make the process clear, efficient and proportionate for your business.
01
Initial assessment of your business model and structure
02
Review of whether Annex 1 registration is likely to be required
03
We review your existing arrangements, governance and policies
04
We align existing policies with FCA requirements & create bespoke ones
05
We complete the online forms and handle FCA responses for you
06
Optional cost-effective subscription to keep you compliant
GET STARTED TODAY
Speak to an FCA registration specialist
Book a free 15-minute consultation. We’ll discuss your business model, explain the likely requirements, and provide a no-obligation fixed-fee quotation, with no obligation to proceed.
