FCA Authorisation

Managing FCA regulation can be overwhelming for any consumer credit business, whether you’re applying for authorisation for the first time or managing ongoing compliance demands. At ALPH Legal & Compliance, we provide a complete service to support you throughout the entire FCA regulatory lifecycle. 

What we offer 

Our specialist compliance and FCA authorisation team will help you across a range of areas from initial application and regulatory business planning to long-term compliance monitoring. We guide you through the whole FCA application process, ensuring your business meets all regulatory requirements, including: 

Pre-authorisation support

• Regulatory Business Plan creation
• Policy and procedure documentation
• Risk Register setup 
• Business Continuity Planning
• Creditworthiness and affordability models. 
• Full Gap Analysis 

Post-authorisation Compliance

• External Compliance monitoring
• Staff Training and Behaviour Assessments
• Regular risk register reviews 
• Complaint handling and Root Cause analysis
• Document and process updates to reflect changes in regulation or business model 
• Senior Management support

Speak to our team to discuss your authorisation needs

Documents you’ll need for FCA Authorisation

To apply for FCA authorisation, you’ll need to submit several key documents that demonstrate your business is compliant and well-structured. These typically include:

• A Regulatory Business Plan
• Policies and Procedures
• Financial Statements
• A Risk Register
• Business Continuity Plans
• Details of Senior Management and staffing structure

If you’re unsure of the documentation you need, speak to our team.

Why Choose ALPH Legal

At ALPH Legal & Compliance, we specialise in helping consumer credit businesses through the FCA authorisation process from start to finish. With years of experience, our team provides practical support to simplify compliance and reduce risk. Having worked with businesses of all sizes, from start-ups to established lenders, we understand the operational, legal, and regulatory challenges you may face. Whether you’re looking for FCA authorisation support or managing post-approval obligations, we offer advice and support to help you stay compliant. 

Frequently Asked Questions