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.
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.
The Consumer Credit Register is a public record of firms that have interim permission to carry out consumer credit activities.
Watch our webinars on how to prepare for authorisation and hear answers to some common queries sent to us by consumer credit firms.
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.
Copyright © 2014 FCA. All Rights Reserved.