Specialist FCA support for credit brokers
AR, IAR and outsourced compliance support for firms operating in the UK credit broking market.
Authorised Compliance helps credit brokers access the right structure, oversight and practical support to operate with confidence.
Credit broking is what we know.
Authorised Compliance helps UK credit brokers operate with confidence, whether they are seeking AR, IAR or direct authorisation status, or need stronger systems, controls and customer outcome monitoring.
We support the full credit broking lifecycle, from customer journeys and lender relationships to financial promotions, complaints, Consumer Duty, FCA submissions and ongoing compliance monitoring.
Focused, practical support for firms operating under the FCA credit broking regime.
For firms that want to carry out regulated credit broking activity under our FCA permissions.
For partners that need lender access, or a controlled framework for their own lender relationships.
For firms that only need to introduce customers or distribute approved financial promotions.
For credit brokers that need audits, monitoring, policy support, Consumer Duty reviews or a full compliance function.
If your business needs FCA permission for credit broking, we can support the full application process.
We help you understand the permissions you need, prepare your business plan, build your complianceframework, draft policies, review your customer journey, create monitoring plans and respond to FCA questions.
We also support firms that are already authorised and need help with FCA reviews, regulatory queries,variation of permission applications, AR network planning or remediation work.
Our approach is direct, practical and grounded in what the FCA expects to see from a well controlled creditbroking firm.
Business plans, permissionsanalysis, compliance framework,policy pack and FCA questionsupport.
Preparation for FCA reviews,customer journey testing, financialpromotion checks and remediationplanning.
Monitoring plans, managementinformation, file reviews, complaintsoversight and board reporting.
We bring more than 20 years of experience across consumer finance, credit broking, lender relationships, AR networks, IAR models, fintech platforms and motor finance.
We understand how credit brokers actually operate, from lead generation and customer journeys through to lender panels, compliance monitoring, complaints, vulnerable customers and customer outcomes.
We have more than 10 years of hands on experience working with Appointed Representative and Introducer
Appointed Representative models.
That experience covers onboarding, due diligence, contracts, permissions, financial promotions, training, monitoring, risk assessment, audit trails and offboarding.
For the right partners, we can provide a route to operate under our FCA permissions as an AR or IAR.
We will only work with firms that meet our standards, but where there is a good fit, we give partners the structure and support needed to operate with confidence.
We can support a credit broker at every stage.
That may mean building the framework from scratch, reviewing a current model, preparing an FCA application, supporting an audit, approving financial promotions, testing customer journeys or acting as your full compliance function.
Good compliance should not stop a strong business from growing.
Our role is to help you build a model that is commercially effective, properly controlled, and designed around fair customer outcomes.
We review your business model, customer journey, target market, lender relationships, marketingchannels, systems, people and intended regulated activity.
We help determine whether AR status, IAR status, direct authorisation, a variation of permission, oroutsourced compliance support is the right route for your business.
We create or review the policies, controls, disclosures, training, monitoring plans, audit trails andmanagement information needed to support your model.
Once the structure is live, we provide practical support through audits, reviews, financial promotionchecks, customer outcome monitoring, complaints oversight, FCA reporting and ongoing advice.
Credit broking compliance is not a one time exercise. We help partners review performance, identifyrisks early and keep improving their controls as the business grows.
Becoming an AR or IAR is not simply a shortcut to FCA permissions. It is a regulated relationship that requirestrust, oversight, clear responsibilities and strong customer outcomes.
We assess every prospective partner carefully before appointment. That includes the business model,financial standing, key individuals, customer journey, marketing approach, lender relationships, complaints process and operational readiness.
If approved, partners receive a clear framework setting out what they can do, how they must operate, whatneeds approval, how monitoring works and how issues are escalated.
Our aim is to create well controlled, commercially strong credit broking partnerships that protect customersand give partners the confidence to grow properly.
Authorised Compliance is led by Will Hurst, who has spent over 20 years working across consumer finance, credit broking, lender relationships, fintech platforms and regulated distribution models.
Will has worked with credit broking businesses from both sides of the principal and AR relationship. His experience includes managing AR and IAR networks, overseeing financial promotions, working with lender panels, building compliance frameworks, supporting customer outcome monitoring and leading regulated credit broking operations.
This gives Authorised Compliance a practical understanding of what good looks like, not just in policy documents, but in the day to day operation of a credit broking business.
Our advice is built around experience, judgement and a clear understanding of FCA expectations.
"Authorised Compliance made the FCA authorisation application process simple and stress-free. Their expertise ensured we met all requirements to submit our application in the timeframe we required."
Jon M. Director of a Credit Broking Firm
"Thanks to Authorised Compliance, we navigated complex queries from the regulator relating to our AR network, solving a complex problem with their advice and guidance."
Adam J. Director of Credit Broking Firm
"The team at Authorised Compliance is incredibly knowledgeable and responsive. They helped us align with VISA and PCI standards and secure a trusted payment processor."
Ross C. Founder of a Start-Up
Whether you need AR status, IAR status, FCA application support, audit preparation or a full outsourced compliance function, we can help you move forward with the right structure.
Speak to Authorised Compliance today.
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View All Resources →Authorised Compliance Ltd is a company incorporated in England and Wales with registered company number
15833435.
Authorised Compliance Ltd is authorised and regulated by the Financial Conduct Authority under Firm
Reference Number 1025416.
Registered with the Information Commissioner’s Office under reference ZB802407.
© 2026, Authorised Compliance Ltd.
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