Supporting material for applications by consumer credit, mortgage and other consumer finance firms

What type of firm are you?

What type of debt firm?

What type of lender?

Along with your main application form, you must complete these forms on our Connect system:

• consumer credit authorisation form
• Form A
• core details
• individual forms (one form for each person that will hold a senior management function)
• IT self-assessment questionnaire
• corporate corporate controller forms
• trust controller forms 
• disclosure of significant events appendix
• sole traders appendix
• owners and influencers appendix

And provide the following supporting material, using the guidance on this page:

• regulatory business plan (RBP)
• financial forecasts
• Consumer Duty requirements
• consumers in vulnerable circumstances policy
• complaints policy
• compliance monitoring plan (CMP)
• financial promotions policy
• financial crime policy
• senior managers' CVs and DBS checks
• outsourcing policy
• appointed representative onboarding and monitoring procedures

Make sure you also refer to the primary credit brokers page. This will have more information on exactly what your case officer will be expecting to see in your application.

Along with your main application form, you must complete these forms on our Connect system:

• authorisation form
• individuals Form A and Statement of Responsibilities
• controller forms – for any controllers, including corporate controllers, who aren't applying to be senior managers

And provide the following supporting material, using the guidance on this page:

• regulatory business plan (RBP)
• financial forecasts
• consumers in vulnerable circumstances policy
• complaints policy
• compliance monitoring plan (CMP)
• financial crime policy
• senior managers' CVs and DBS checks
• organisational structure chart and close links
• your recruitment, training and remuneration arrangements (where you have employees)
• an overview of your sales/advice process (covering your full range of regulated home finance products, such as lifetime mortgages)
• copies of qualification certificates
• a sample fact-find (including for equity release if you're advising on this)
• Initial Disclosure Document
• Professional Indemnity Insurance proposal and quote
• appointed representative onboarding and monitoring procedures (where you wish to appoint ARs)

Make sure you also refer to the mortgage brokers page. This will have more information on exactly what your case officer will be expecting to see in your application.

Along with your main application form, you must complete these forms on our Connect system:

• consumer credit authorisation form
• Form A
• core details
• individual forms (one form for each person that will hold a senior management function)
• IT self-assessment questionnaire
• corporate corporate controller forms
• trust controller forms
• disclosure of significant events appendix
• sole traders appendix
• owners and influencers appendix

And provide the following supporting material, using the guidance on this page:

• regulatory business plan (RBP)
• financial forecasts
• Consumer Duty requirements
• consumers in vulnerable circumstances policy
• complaints policy
• compliance monitoring plan (CMP)
• financial promotions policy
• financial crime policy
• outsourcing policy
• senior managers' CVs and DBS checks
• appointed representative onboarding and monitoring procedures

If you plan to offer your own finance, we also need to see your:

• conduct risk framework
• technology, cyber and resilience policy
• credit risk, affordability, arrears and forbearance policies and procedures
• credit and hire agreements

Make sure you also refer to the motor dealers page. This will have more information on exactly what your case officer will be expecting to see in your application.

Along with your main application form, you must complete these forms on our Connect system:

• consumer credit authorisation form
• Form A
• core details
• individual forms (one form for each person that will hold a senior management function)
• IT self-assessment questionnaire
• corporate corporate controller forms
• trust controller forms
• disclosure of significant events appendix
• sole traders appendix
• owners and influencers appendix

And provide the following supporting material, using the guidance on this page:

• regulatory business plan (RBP)
• financial forecasts
• Consumer Duty requirements
• consumers in vulnerable circumstances policy
• complaints policy
• compliance monitoring plan (CMP)
• financial promotions policy
• financial crime policy
• senior managers' CVs and DBS checks
• outsourcing policy
• appointed representative onboarding and monitoring procedures

If you plan to offer your own finance, we also need to see your:

• conduct risk framework
• technology, cyber and resilience policy
• credit risk, affordability, arrears and forbearance policies and procedures
• credit and hire agreements

Make sure you also refer to the vets and dentists page. This will have more information on exactly what your case officer will be expecting to see in your application.

Along with your main application form, you must complete these forms on our Connect system:

• consumer credit authorisation form
• Form A
• core details
• individual forms (one form for each person that will hold a senior management function)
• IT self-assessment questionnaire
• corporate corporate controller forms
• trust controller forms
• disclosure of significant events appendix
• sole traders appendix
• owners and influencers appendix

And provide the following supporting material, using the guidance on this page:

• regulatory business plan (RBP)
• financial forecasts
• Consumer Duty requirements
• consumers in vulnerable circumstances policy
• complaints policy
• compliance monitoring plan (CMP)
• financial promotions policy
• financial crime policy
• senior managers' CVs and DBS checks
• outsourcing policy
• appointed representative onboarding and monitoring procedures

If you plan to offer your own finance, we also need to see your:

• conduct risk framework
• technology, cyber and resilience policy
• credit risk, affordability, arrears and forbearance policies and procedures
• credit and hire agreements

Make sure you also refer to the gyms and golf clubs page. This will have more information on exactly what your case officer will be expecting to see in your application.

Along with your main application form, you must complete these forms on our Connect system:

• consumer credit authorisation form
• Form A
• core details
• individual forms (one form for each person that will hold a senior management function)
• IT self-assessment questionnaire
• corporate corporate controller forms
• trust controller forms
• disclosure of significant events appendix
• sole traders appendix
• owners and influencers appendix

And provide the following supporting material, using the guidance on this page:

• regulatory business plan (RBP)
• financial forecasts
• Consumer Duty requirements
• consumers in vulnerable circumstances policy
• complaints policy
• compliance monitoring plan (CMP)
• financial promotions policy
• financial crime policy
• senior managers' CVs and DBS checks
• outsourcing policy
• appointed representative onboarding and monitoring procedures

If you plan to offer your own finance, we also need to see your:

• conduct risk framework
• technology, cyber and resilience policy
• credit risk, affordability, arrears and forbearance policies and procedures
• credit and hire agreements

Make sure you also refer to the secondary credit brokers page. This will have more information on exactly what your case officer will be expecting to see in your application.

Make sure you complete all the required forms, and provide all the necessary supporting material.

Along with your main application form, you must complete these forms on our Connect system:

• mortgage supplement form 
• core details
• approved persons individuals Form A
• IT self-assessment questionnaire – this will help you determine whether you need to fill in the IT controls form, detailed IT controls form, or neither form

Depending on your firm's structure, you may also need to complete:

• corporate controller forms
• trust controller forms
• disclosure of significant events appendix
• owners and influencers appendix
• sole trader's appendix

Please provide the following supporting material, using the guidance on this page:

• regulatory business plan (RBP)
• financial forecasts
• Consumer Duty requirements
• complaints policy (including root cause analysis implementation)
• consumers in vulnerable circumstances policy
• conflicts of interest policies and procedures
• compliance monitoring plan (CMP) – your procedures for regulated mortgage business, including quality assurance and audit proposals
• financial crime policy
• technology, cyber and resilience policy
• senior managers' CVs and DBS checks
• experience, competence and qualifications of those who provide advice (if applicable)
• organisational structure chart and close links
• your recruitment, training and remuneration arrangements (where you have employees)
• management information suite proposals (what will be recorded, measured and analysed)
• market research report (to show how you've identified your firm's target market)
• marketing strategy: financial promotions
• responsible lending policy
• example ESIS document
• example offer document
• execution only policy (if you'll be offering direct-to-customer mortgages without advice)
• underwriting mandate organogram (a policy that identifies at which level a loan application needs to be escalated upwards for a decision to be made)
• exceptions policy (how a lender deals with applications that fall outside of the normal lending criteria)
• conduct risk framework (how conduct risks are identified through the product cycle and the governance over this from board through to audit and how this interacts with the operational and credit risk policies)
• tariff of fees and charges
• product design process and policy
• niche product criteria (eg lending into retirement, newly self-employed, impaired credit)
• distribution channels and due diligence procedures
• procedures for assessing affordability
• product terms and conditions
• nature and detail of third-party firms that are used and outsourcing agreements (including proposals for oversight of outsourcers)
• lending policy/criteria
• redemption process
• arrears and repossession policy and procedures
• collections procedures including forbearance and customer contact

Make sure you also refer to the home finance providers page. This will have explain everything else you need to read before you submit your application.

Along with your main application form, you must complete these forms on our Connect system:

• consumer credit authorisation form
• Form A
• core details
• individual forms (one form for each person that will hold a senior management function)
• IT self-assessment questionnaire
• corporate corporate controller forms
• trust controller forms 
• disclosure of significant events appendix
• sole traders appendix
• owners and influencers appendix

And provide the following supporting material, using the guidance on this page:

• regulatory business plan (RBP)
• financial forecasts
• Consumer Duty requirements
• consumers in vulnerable circumstances policy
• complaints policy
• compliance monitoring plan (CMP)
• financial promotions policy
• financial crime policy
• outsourcing policy
• conduct risk framework
• technology, cyber and resilience policy
• credit risk, affordability, arrears and forbearance policies and procedures
• credit and hire agreements
• senior managers' CVs and DBS checks
• organisational structure chart and close links
• recruitment, training and remuneration arrangements
• appointed representative onboarding and monitoring procedures

Make sure you also refer to the consumer credit lenders and hirers page. This will have more information on exactly what your case officer will be expecting to see in your application.

Along with your main application form, you must complete these forms on our Connect system:

• consumer credit authorisation form
• Form A
• core details
• individual forms (one form for each person that will hold a senior management function)
• IT self-assessment questionnaire

Depending on your firm's structure, you may also need to complete:

• corporate corporate controller forms
• trust controller forms
• disclosure of significant events appendix
• sole traders appendix
• owners and influencers appendix

And provide the following supporting material, using the guidance on this page:

• regulatory business plan (RBP)
• financial forecasts
• Consumer Duty requirements
• customer journey
• fees and charges
• ongoing suitability of a debt solution
• consumers in vulnerable circumstances policy
• complaints policy
• marketing strategy
• client assets
• conduct risk framework
• Quality Assurance (QA)
• conflicts of interest policies and procedures
• compliance monitoring plan (CMP)
• financial crime policy
• organisational structure chart and close links
• your recruitment, training and remuneration arrangements (where you have employees)
• business continuity plan
• wind-down plan
• senior managers' CVs and DBS checks
• appointed representative onboarding and monitoring procedures

Make sure you also refer to the debt firms page. This will have more information on exactly what your case officer will be expecting to see in your application.

Along with your main application form, you must complete these forms on our Connect system:

• consumer credit authorisation form
• Form A
• core details
• individual forms (one form for each person that will hold a senior management function)
• IT self-assessment questionnaire

Depending on your firm's structure, you may also need to complete:

• corporate corporate controller forms
• trust controller forms
• disclosure of significant events appendix
• sole traders appendix
• owners and influencers appendix

And provide the following supporting material, using the guidance on this page:

• regulatory business plan (RBP)
• financial forecasts
• Consumer Duty requirements
• customer journey
• consumers in vulnerable circumstances policy
• complaints policy
• Quality Assurance (QA)
• compliance monitoring plan (CMP)
• your recruitment, training and remuneration arrangements (where you have employees)

Make sure you also refer to the debt firms page. This will have more information on exactly what your case officer will be expecting to see in your application.

Along with your main application form, you must complete these forms on our Connect system:

• consumer credit authorisation form
• Form A
• core details
• individual forms (one form for each person that will hold a senior management function)
• IT self-assessment questionnaire

Depending on your firm's structure, you may also need to complete:

• corporate corporate controller forms
• trust controller forms
• disclosure of significant events appendix
• sole traders appendix
• owners and influencers appendix

And provide the following supporting material, using the guidance on this page:

• regulatory business plan (RBP)
• financial forecasts
• Consumer Duty requirements

Make sure you also refer to the debt firms page. This will have more information on exactly what your case officer will be expecting to see in your application.

Along with your main application form, you must complete these forms on our Connect system:

• consumer credit authorisation form
• Form A
• core details
• individual forms (one form for each person that will hold a senior management function)
• IT self-assessment questionnaire

Depending on your firm's structure, you may also need to complete:

• corporate corporate controller forms
• trust controller forms
• disclosure of significant events appendix
• sole traders appendix
• owners and influencers appendix

And provide the following supporting material, using the guidance on this page:

• regulatory business plan (RBP)
• financial forecasts
• Consumer Duty requirements
• assessment of customer circumstances
• arrears and default/forbearance
• disputed debt
• complaints policy
• consumers in vulnerable circumstances policy
• conduct risk framework
• Quality Assurance (QA)
• compliance monitoring plan (CMP)
• litigation and enforcement
• statute barred debt
• financial crime policy
• organisational structure chart and close links
• your recruitment, training and remuneration arrangements (where you have employees)
• senior managers' CVs and DBS checks
• appointed representative onboarding and monitoring procedures

Make sure you also refer to the debt firms page. This will have more information on exactly what your case officer will be expecting to see in your application.

Along with your main application form, you must complete these forms on our Connect system:

• consumer credit authorisation form
• Form A
• core details
• individual forms (one form for each person that will hold a senior management function)
• IT self-assessment questionnaire

Depending on your firm's structure, you may also need to complete:

• corporate corporate controller forms
• trust controller forms
• disclosure of significant events appendix
• sole traders appendix
• owners and influencers appendix

And provide the following supporting material, using the guidance on this page:

• regulatory business plan (RBP)
• financial forecasts
• Consumer Duty requirements
• due diligence
• arrears and default/forbearance
• disputed debt
• complaints policy
• litigation and enforcement
• statute barred debt
• consumers in vulnerable circumstances policy
• conduct risk framework
• Quality Assurance (QA)
• compliance monitoring plan (CMP)
• financial crime policy
• organisational structure chart and close links
• conflicts of interest policies and procedures
• your recruitment, training and remuneration arrangements (where you have employees)
• outsourcing policy
• senior managers' CVs and DBS checks
• appointed representative onboarding and monitoring procedures

Make sure you also refer to the debt firms page. This will have more information on exactly what your case officer will be expecting to see in your application.

Along with your main application form, you must complete these forms on our Connect system:

• Form A
• statement of responsibility (SOR) form
• list of members of the management body
• individual forms (one form for each person that will hold a senior management function)
• checklist and declaration Form

Depending on your firm's structure, you may also need to complete:

• controller forms
• disclosure of significant events appendix

And provide the following supporting material, using the guidance on this page:

• Consumer Duty requirements
• consumers in vulnerable circumstances policy
• complaints policy
• compliance monitoring plan (CMP)
• financial promotions policy
• financial crime policy
• business continuity plan
• technology, cyber and resilience policy
• senior managers' CVs

Make sure you also refer to the claims management companies page. This will have more information on exactly what your case officer will be expecting to see in your application.

Along with your main application form, you must complete these forms on our Connect system:

• Form A
• statement of responsibility (SOR) form
• checklist and declaration Form
• controller forms
• disclosure of significant events appendix
• core details
• individual forms (one form for each person that will hold a senior management function)
• IT self-assessment questionnaire (this will help you determine whether you need to fill in the IT controls form, detailed IT controls form, or neither form)
• fees and levies
• checklist and declaration Form
• owners and influencers appendix

And provide the following supporting material, using the guidance on this page:

• financial forecasts
• Consumer Duty requirements
• consumers in vulnerable circumstances policy
• complaints policy
• compliance monitoring plan (CMP)
• financial promotions policy (this is only required if you'll be signing off financial promotions) 
• financial crime policy
• technology, cyber and resilience policy
• senior managers' CVs and DBS checks
• wind-down plan (this is only required if you're applying to be a credit reference agency)

Make sure you also refer to the page for credit reference agency and credit information services provider applicants. This will have more information on exactly what your case officer will be expecting to see in your application.