FCA Regulatory Compliance Support

Take control of your compliance with friendly, practical legal support

FCA rules and reporting duties can feel overwhelming for any consumer credit firm. ALPH Legal gives you clear, plain-English guidance and flexible support, whether you are launching a new venture, running a credit brokerage, or running an established lending business.

When you need compliance support

Staying compliant protects your business, your reputation, and your customers. Our friendly team of legal experts steps in to help whenever you are:

• Applying for FCA authorisation or expanding into consumer credit
• Making sense of updated FCA rules, Consumer Duty standards, and supervisory expectations
• Reviewing and refreshing internal policies, customer agreements, and operational procedures
• Restructuring your business, onboarding commercial partners, or appointing representatives
• Setting up regular audits and file checks to keep your firm consistently compliant

Our core compliance services

Compliance gap analysis

Find out exactly where your business stands before small issues turn into major headaches. We review your existing processes against FCA expectations and give you a straightforward, step-by-step plan to address any weaknesses.

Policy and customer agreement drafting

Every consumer credit firm needs clear, legally sound documentation. We draft bespoke policies, customer credit agreements, terms of business, and internal procedures that protect your firm and satisfy regulatory standards.

Governance and SM&CR guidance

Getting your management structure right is essential for FCA compliance. We help you map out your governance obligations under the Senior Managers and Certification Regime, whether your firm sits under Limited Scope or Core rules, and advise on appointed representative arrangements.

Staff compliance training

Give your team the confidence to follow compliance rules in their daily work. We deliver practical, easy-to-follow training sessions covering conduct rules, customer outcomes, and internal procedures.

Ongoing monitoring and file audits

Staying compliant requires regular attention. We establish ongoing monitoring systems and conduct periodic file reviews to keep your business fully prepared for regulatory scrutiny.

Day-to-day regulatory advice

Whenever you have a tricky regulatory question or plan a new customer journey, our legal team provides direct, actionable answers without legal jargon.

Save resources with flexible, outsourced compliance

Building and managing an internal compliance department can consume a significant proportion of your operational budget, especially when factoring in recruitment, salaries, and continuous training.

At ALPH Legal & Compliance, we give you an efficient alternative:

• Flexible support: Use our specialists as much or as little as you need, from one-off policy checks to ongoing monthly advisory.
• Lower overheads: Access experienced regulatory legal support without the expense of a permanent in-house department.
• Focus on your business: Spend your time serving customers and growing your firm while we handle the regulatory detail.

Why Choose ALPH Legal & Compliance?

Our consultants have spent years working directly with FCA-regulated consumer credit firms, including supporting businesses through Section 166 reviews and complex authorisation cases.

• Consumer credit focus: We understand the day-to-day operational realities of lenders, credit brokers, and motor finance firms.
• Plain-English guidance: We cut through regulatory complexity to give you practical advice you can implement immediately.
• Supportive approach: We work alongside you as a trusted partner, adapting our support to fit your budget and business size.

Ready to take control of your compliance future?

Book a consultation with our team today to discuss your business and explore how we can support you.