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    Offer Finance Without
    Your Own FCA
    Authorisation

    Join Consumer Credit Compliance's Appointed Representative Network. We're the FCA-authorised Principal. You trade under our permissions, we handle the regulation. You focus on growing your business.

    No direct FCA authorisation needed
    Faster route to market
    Full compliance support included
    No obligation · Speak to a specialist · FCA authorised firm (FRN 631736)
    Enquire About AR Network Membership
    Takes 2 minutes · No obligation · For UK businesses seeking AR membership

      Principal since 2017
      FCA Authorised FRN 631736
      6 industries served
      5★ Google Reviews
      2017
      Established as PrincipalFCA Full Permission since 2017
      6
      Industries SupportedRetail, Auto, Telecoms & more
      4
      FCA Permissions HeldCredit Broking, Debt Adjusting, Debt Counselling & Insurance
      5★
      Google ReviewsRated 5 stars by our AR members
      Why Choose CCC as Your Principal

      We handle the regulation.
      You run the business.

      As your FCA-authorised Principal firm, Consumer Credit Compliance takes full responsibility for your regulatory conduct, supplying everything you need to trade legally and confidently.

      We take full regulatory responsibility. As Principal, we are liable for your business practices and regulatory conduct
      All policies, processes & documents provided. Everything you need to remain compliant is supplied and maintained by our team
      Ongoing compliance monitoring programme. We continuously monitor your activity to keep you within FCA requirements
      No FCA reporting burden on your firm. You don't report to FCA RegData; we manage all regulatory reporting on your behalf
      Principal firm since 2017 (FRN 631736). Holding permissions for Credit Broking, Debt Adjusting, Debt Counselling & Insurance Mediation
      Consumer Credit Compliance team meeting
      Rated Excellent
      Google Reviews · 5 / 5
      FCA Principal Firm
      Authorised since 2017
      What You Get as an AR

      Everything included in
      your AR membership

      As your Principal firm, we provide the complete regulatory infrastructure, so you can focus entirely on your customers and your growth.

      Faster
      Route to Market
      Get to market far quicker than pursuing direct FCA authorisation. Our onboarding process is in-depth but significantly faster than an FCA application.
      Policies & Documentation
      All necessary compliance policies, processes, and documentation are provided and kept up to date by our team. You never start from scratch.
      Ongoing Compliance Monitoring
      We run a structured compliance monitoring programme covering your regulated activities, keeping you within FCA requirements at all times.
      Guidance & Support
      Direct access to our compliance team. We believe in openness, good communication, and pragmatic guidance, not box-ticking bureaucracy.
      Who It's For
      Suitable for businesses across six sectors

      Our AR Network is open to businesses in a wide range of sectors that want to offer finance or credit services to their customers without obtaining their own FCA authorisation.

      Check If You Qualify
      Retail & Consumer Goods
      Automotive
      Home Improvements
      Telecommunications
      Finance & Credit Broking
      General Insurance
      How AR Membership Works

      From enquiry to trading
      in three clear steps

      Our AR onboarding process is thorough, because it needs to be. But we handle the heavy lifting, so it's far simpler than applying to the FCA directly.

      1
      Enquiry & Assessment
      Get in touch and tell us about your business. We'll assess whether your firm meets our criteria, explain the permissions available under our authorisation, and walk you through what AR membership involves, with no jargon.
      2
      In-Depth Onboarding
      We conduct a thorough onboarding review, similar in depth to an FCA application, but managed entirely by our team. We provide all required policies, processes, and documentation tailored to your business activities.
      3
      Trade Under Our Permissions
      Once appointed, you operate under Consumer Credit Compliance's FCA authorisation. We provide ongoing compliance monitoring, regulatory guidance, and support, so you can focus entirely on running and growing your business.
      Start Your Enquiry

      No obligation · Reply within 1 working day · FCA authorised firm

      AR Member Success Stories

      Businesses just like yours
      already trading with us

      ”

      “We engaged the Consumer Credit Compliance to provide AR services and support us with our FCA compliance obligations but the team also compliments our wider risk and compliance framework well. The monthly meetings that we have with Ian and Helen are clear and structured and enable us to focus on actions to appropriately address key business risk and compliance concerns in a proportionate and commercial manner. The Consumer Credit Compliance team applies robust market and regulatory knowledge in an agile and commercial way. This is more than just a tick box service.”

      “We have been working with Consumer Credit Compliance for a few years as we offer finance for the purchase of our products and have chosen the AR route. Working in a regulated space can be daunting when it is new, but the support provided with the e-learning is so helpful, especially as it can be revisited as necessary. Our monthly reviews with Ian are clear and he is really understanding and he supports us well. He is a really decent person to work with in partnership on our compliance. The support and patience provided by the wider team, when we did our first annual review is really appreciated too.”

      “After learning we needed permissions to conduct our regulated business, we chose to become an Appointed Representative as opposed to becoming directly authorised. We chose Consumer Credit Compliance Limited who took the hassle out of submitting our forms to the FCA. We have a good working relationship with CCC who we closely engage with to ensure we remain compliant. Their monitoring of our business against the FCA’s Threshold Conditions gives us the confidence we are doing things right. We have been an AR for a number of years now and this has allowed our business to grow compliantly.”

      “Worcester Bosch has been working with Consumer Credit Compliance for several years now. Our relationship covers direct compliance support as well as support provided to our customer base. Consumer Credit Compliance achieved and surpassed the high standards and rigorous checks that we require for companies that we partner with and provide access to our customers. The personal relationships that we have been built with Consumer Credit Compliance have only added to the exceptional levels of service that we have experienced. The support from the team has allowed us to meet and exceed our business goals. A partnership we are confident will continue long into the future.”

      FAQ

      Your questions,
      answered honestly

      Can't find the answer you're looking for? Book a free 30-minute call with our team.

      Ask an Expert
      What exactly is an Appointed Representative?
      An Appointed Representative (AR) is a business that operates under the FCA authorisation of another firm, known as the Principal. As an AR of Consumer Credit Compliance, you can offer regulated financial services (such as finance, credit broking, or insurance products) without needing your own FCA authorisation. We, as the Principal, are responsible for your regulatory conduct and ensure you have everything required to remain compliant.
      What FCA permissions will my business have as an AR?
      Consumer Credit Compliance holds FCA permissions for Credit Broking, Debt Adjusting, Debt Counselling, and Insurance Mediation, acquired progressively since becoming a Principal in 2017. As your Principal, we extend the permissions relevant to your business activities. During your enquiry, we'll confirm exactly which permissions apply to what you want to do.
      How long does AR onboarding take?
      Our AR onboarding process is in-depth because we take our Principal responsibilities seriously and need to be 100% satisfied before we extend CCC's permissions to your firm. While it is not as lengthy as a direct FCA application, it is thorough. We'll give you a clear timeline at the outset of your enquiry. The result is a well-structured, compliant business that can trade with genuine confidence.
      What are my responsibilities as an Appointed Representative?
      As an AR, you are not directly regulated by the FCA, but you must still follow FCA rules, operate within agreed permissions, and cooperate fully with our compliance monitoring programme. You'll need to provide information for compliance checks and adhere to the policies and processes we supply. We believe a strong Principal/AR relationship is built on openness, transparency, and mutual respect, not restriction.
      Which industries and business types can join the AR Network?
      Our AR Network is designed for businesses across a wide range of sectors who want to offer finance or credit services to customers. This includes retailers offering pay-monthly options, car dealerships, home improvement companies, telecoms businesses, and credit brokers. If you're unsure whether your business qualifies, simply get in touch and we'll be happy to assess your situation with no obligation.
      Free AR Network Enquiry · No Obligation

      Ready to offer finance
      without the FCA hassle?

      Get in touch with the CCC team. We'll assess whether your business qualifies for our AR Network and walk you through exactly how it works, honestly and without pressure.

      No obligation
      FCA Principal since 2017
      Reply within 1 working day
      FCA Authorised FRN 631736
      01423 613335 Enquire Now →
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