Consumer credit - Financial Conduct Authority

Consumer credit

We regulate more than 50,000 firms that offer credit, loans or debt services. Firms must be authorised by us, or have interim permission, to offer consumer credit.

Consumer credit firms include credit card issuers, credit brokers, payday lenders, log book lenders, peer-to-peer lenders, pawnbrokers, and debt management and debt collection firms.

If your firm wants to start carrying out consumer credit activities it must apply for authorisation.

If your firm registered for interim permission to offer consumer credit from 1 April 2014, when we took over regulation, you need to apply for authorisation in your allocated application period.

Consumer credit authorisation

Last Modified: 31/03/2015

Firms must be authorised by us, or have interim permission, to offer consumer credit. Find out more about authorisation and how to apply for it.

Consumer Credit Register

Last Modified: 26/02/2015

The Consumer Credit Register is a public record of firms that have interim permission to carry out consumer credit activities.

Authorisation webinars

Published: 05/03/2015     Last Modified: 17/07/2015

Watch our webinars on how to prepare for authorisation and hear answers to some common queries sent to us by consumer credit firms.

Interim permission

Last Modified: 05/11/2014

Consumer credit firms that held an OFT licence and want to continue to offer consumer credit had to register for interim permission. Find out more about interim permission.

New Firms web section


Tell us what you think about the new website section for firms.

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Policy statement

Detailed rules for the FCA regime for consumer credit.

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Consumer credit research

Find out more on the consumer credit market

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