We support firms seeking to provide insurance, mortgage, and credit-related services in the UK, including both authorised firms and businesses preparing for regulatory change.

Brokers & Intermediaries

• Insurance Brokers. 

• Credit Brokers (primary and secondary lending).

• Mortgage Brokers. 

• Buy-Now, Pay-Later (BNPL) Intermediaries.

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Lenders & Credit Providers

• Consumer and Commercial Credit. 

• Mortgage Lending. 

• Buy-Now, Pay-Later (BNPL) Products. 

• Peer-to-peer (P2P) Lending Models.

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Buy-Now, Pay-Later (BNPL)

While BNPL is not yet fully regulated under the FCA authorisation regime, firms operating in this space are already subject to heightened regulatory and supervisory expectations, and further regulation is imminent.

​Cryptoassets and digital assets are in a transitioning regulatory regime in the UK. The FCA’s approach balances mitigating risks and supporting beneficial technology, with a fully FSMA-based regulatory regime expected to come into force in 2027.

We support firms operating in this space, including those that currently require FCA AML/CTF registration and those preparing for future FCA authorisation under the emerging cryptoassets regime.

Cryptoasset Firms​

We advise firms looking to provide or develop services such as:

• Fiat to Crypto or Crypto-to-Crypto Exchange and Trading Platforms.

• Centralised Peer-to-Peer platforms and Exchange Service Providers.

• Cryptoasset ATMs, Terminals, and other Physical Access Points.

• Initial Coin Offerings (ICOs) and Initial Exchange Offerings (IEOs).

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These descriptions reflect common business models in the industry; firms should engage with us early to determine whether their activities fall within the FCA’s scope of registration or future authorisation.