FCA compliance & business support
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Residential and commercial mortgages have existed for hundreds of years. However, it wasn’t until the mid-20th century that they became a mainstream funding option for home ownership, thus facilitating for many what it 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 to protection – the Insurance Distribution Directive (IDD).

At Richdale Consultants, 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.

We offer experienced and personable consultancy services to intermediaries helping them to become directly authorised as well as providing them with all the necessary ongoing support to manage their 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 officer 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 insurance industry. Richdale’s compliance officers can consult with firms solo-regulated with the FCA to prepare for SM&CR and enhance their accountability for conduct and competencies.
  • Review of policies and procedures
    We will also conduct a comprehensive review of your existing policies and procedures, to ensure that they are up-to-date and reflect industry best practice.
  • Bespoke compliance monitoring
    As part of our Compliance Support Package, we can 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 Account Manger 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’s compliance consultants 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 for credit brokers and lenders.
  • 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 and filing 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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