FCA compliance & business support
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Residential and commercial mortgages have existed for hundreds of years. It wasn’t until the mid-20th century however, that they became a mainstream funding option for home ownership, thus facilitating what for many is the biggest and most important purchase of their lifetime. As such, mortgage lending and broking is heavily regulated by the FCA with one of the most recent major changes to mortgages being the Mortgage Market Review (MMR) and the Mortgage Credit Directive (MCD).

At Richdale, we work with mortgage lenders and insurers and their intermediaries who are looking to achieve and maintain complete compliance in line with the FCA rules and best practice, as well as acting as a Principal Firm for those wishing to become Appointed Representatives. We understand that with the continuous changes in the regulatory framework, intermediaries as well as their providers are facing heavy burdens of compliance, with the risk of noncompliance threatening the future existence of the business. This is precisely where we give you an edge.

We offer experienced and personable consultancy services to help with becoming directly authorised as well as providing all the necessary ongoing support to manage and maintain regulatory obligations.

Get in touch for a no-obligation consultation

Our team are delighted to offer an impartial consultation on your compliance requirements, with no obligation to sign up to any of our services.

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Typical compliance tasks for our mortgage & protection clients

Review of performance against FCA expectations

Your dedicated Compliance Associate will assess your company’s recent performance and compliance against the benchmark expectations outlined by the FCA.

Senior Manager and Certification Regime (SM&CR) support

SM&CR replaces the previous Approved Persons Regime and is designed to minimise harm to consumers and enhance the overall integrity of the financial services industry. Richdale will advise solo regulated businesses on how to comply with the SM&CR which will include enhancing their accountability for conduct and competencies.

Review of policies and procedures

We will conduct a comprehensive review of your existing policies and procedures to ensure that they are compliant, up-to-date and reflect industry best practice. Our ongoing support package ensures that these are constantly appropriate and up to date.

Bespoke compliance monitoring

As part of our Compliance Support Package, we will design and implement bespoke programmes for monitoring the FCA compliance of your business; pinpointing areas for urgent action and long-term improvement.

Submission of regulatory returns

Can’t keep up with regulatory submissions? Let your dedicated Richdale Compliance Associate handle all of the “paperwork” and prudential compliance matters on your behalf.

Compliance training

Whether your business has just achieved FCA authorisation or is struggling to maintain its compliance and regulatory obligations, Richdale offer dedicated compliance training sessions. We train business owners and employees to better understand their responsibilities post-authorisation, consulting on risk management and compliance monitoring to maintain FCA compliance.

Guidance on changes to business structures

If your business changes its internal infrastructure or is considering rolling out a new sales initiative, we can offer consultancy on the best approach to achieve your objectives in a compliant manner.

FCA Authorisation

Richdale boasts years of experience in preparing, filing and managing applications for intermediaries seeking direct authorisation with the FCA. Our specialist team understands what the Regulator is looking for and knows how to address any areas of concern your business may have.

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