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Regulatory route and scope
We help you understand whether Appointed Representative status, Introducer Appointed Representative status or direct FCA authorisation is the right route for your business.
Practical Appointed Representative and Introducer Appointed Representative support for credit brokers, introducers and finance businesses that need the right regulated structure in place.
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AR and IAR status can provide a practical route for firms that want to operate in the regulated credit broking market.
But the right structure matters.
An Appointed Representative arrangement or Introducer Appointed Representative arrangement needs clear responsibilities, controlled activity, approved customer communications, effective oversight and ongoing monitoring.
At Authorised Compliance, we help firms understand whether AR status, IAR status, direct FCA authorisation or another route is most appropriate for their business model.
Authorised Compliance brings more than 20 years of experience across consumer finance, credit broking, lender relationships, AR networks, IAR models, fintech platforms and motor finance.
That means we understand the practical difference between a business that only introduces customers and a business that carries out wider credit broking activity.
We help firms build representative arrangements that reflect how the business actually works, not generic structures that leave uncertainty around permissions, responsibilities and customer outcomes.
A strong AR or IAR arrangement should be clear from the start. Everyone involved needs to understand what activity is allowed, what needs approval, how customers should be treated and how the arrangement will be monitored.
We help firms put the right framework in place across permissions, customer journeys, financial promotions, complaints, Consumer Duty, training, monitoring and governance.
The aim is to create a structure that supports responsible growth while keeping regulatory risk properly controlled.
Authorised Compliance supports firms that are considering, applying for or operating under AR or IAR arrangements.
This includes credit brokers, lead generation businesses, affiliate and publisher partners, fintech platforms, motor finance introducers, retail finance introducers and growing firms that need a compliant route into regulated credit broking.
We also support businesses that are unsure whether AR status, IAR status or direct authorisation is the right route. The correct answer depends on the activity being carried out, the customer journey, the commercial model and the level of regulatory control required.
AR and IAR support is particularly useful when your business is launching a new credit broking journey, working with finance partners, introducing customers to lenders, using affiliates, publishing financial promotions or reviewing whether your current regulatory structure is still right.
You may also need support if your website has not been reviewed, your role in the customer journey is unclear, your financial promotion process is informal, your complaints process is limited or your team is unsure what activity is allowed under the arrangement.
Getting these areas right early helps reduce confusion, protect customers and keep the arrangement properly controlled.
We review your business model, customer journey, marketing channels, lender relationships, partner activity, permissions and existing compliance framework.
We highlight where the proposed AR or IAR arrangement may create risk, including scope, disclosures, promotions, complaints, Consumer Duty and monitoring.
We help improve the framework, financial promotion controls, customer journey, policies, training, monitoring arrangements and approval process.
We support the relationship through onboarding, readiness reviews, ongoing monitoring, action tracking, MI and remediation planning where needed.
AR and IAR arrangements can quickly become difficult when responsibilities are unclear or the support is too generic.
Authorised Compliance is built around credit broking expertise. We understand how brokers, introducers, affiliates, lenders and finance partners work together in practice.
Our advice is practical, commercially aware and focused on helping firms build representative arrangements that are properly controlled from the start.
Speak to Authorised Compliance about AR and IAR support
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Specialist compliance support for UK credit brokers, Appointed Representatives and Introducer Appointed Representatives. We help firms build practical, FCA-aligned compliance frameworks covering customer journeys, financial promotions, AR/IAR oversight, Consumer Duty, complaints, monitoring and regulatory applications.
Services
FCA application supportAR and IAR supportCredit broker complianceWebsite and financial promotion reviewsConsumer Duty supportCompliance monitoringComplaints and customer outcome reviewsRegulatory remediation supportUseful links
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Email: support@authorisedcompliance.com
Office address: Atlantic Business Centre, Atlantic Street, Broadheath, Altrincham, England, WA14 5NQ
Registered office: Atlantic Business Centre, Atlantic Street, Broadheath, Altrincham, England, WA14 5NQ
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.