Skip to main content Skip to search box
Home

Main navigation

  • About us

    Contact us

    Get in touch by phone, via our online form, or by post:

     

    Financial Conduct Authority
    12 Endeavour Square
    London E20 1JN

     

    Contact us

    What we do

    • About the FCA
    • Enhancing market integrity
    • How we work
    • Promoting competition
    • Protecting consumers

    How we regulate

    • Authorisation
    • Enforcement
    • Handbook of rules and guidance
    • International standards and regulations
    • Supervision

    How we operate

    • Complain about us, the PRA or the Bank of England (the regulators)
    • Corporate responsibility
    • Diversity, equity and inclusion: our progress
    • Environmental sustainability
    • Who we work with

    Who we are

    • Chair
    • Chief Executive
    • Committees
    • Executive committees
    • FCA Board

    Join us

    • Careers home
    • Early careers
    • Experienced professionals

    Our strategy 2025 to 2030

    Our vision and priorities for the next 5 years.

    How we work
  • Firms

    Firms overview

    Go to our dedicated section to see support for firms and our latest policy updates.

     

    Find out more

    Firm authorisation

    • Authorisation
    • Cancelling an authorisation or registration
    • Check if a firm is authorised
    • How to apply for authorisation or registration

    Regulated firms

    • All firms
    • Claims management companies
    • Consumer credit firms
    • Electronic money and payment institutions
    • Funeral plan providers and intermediaries
    • Innovation Hub
    • Mutual societies

    Tasks for firms

    • Approved persons
    • Change in control
    • Fees and levies
    • Keeping your firm's information up to date
    • Principals and appointed representatives

    Focus areas

    • Consumer Duty
    • Cost of living: firm information
    • Cryptoassets
    • FCA support services for firms
    • Helping people access cash
    • Regulatory framework reforms
    • Senior Managers and Certification Regime

    Consumer Duty

    We're hosting events to help firms prepare for the new rules. Sign up to hear about these and related communications.

    Sign up
  • Markets

    Primary markets

    • Forms and checklists
    • Knowledge Base
    • Listing applications and cancellations
    • Regulatory Disclosures
    • The sponsor regime

    Markets policy

    • About LIBOR transition
    • Data reporting services providers
    • Securitisation
    • UK EMIR
    • UK Securities Financing Transactions Regulation (UK SFTR)

    Regulated markets

    • Benchmarks
    • Central securities depositories

    Market abuse

    • How to report suspected market abuse as a firm or trading venue
    • How to report suspected market abuse as an individual
    • Market Abuse Regulation
    • Polling and Market Abuse Regulation

    Short selling

    • Exemptions from short-selling requirements
    • Notification and disclosure of net short positions
    • Short selling

    Transaction reporting

    • Instrument reference data
    • Transaction reporting
  • Consumers

    Our Consumer section

    See our dedicated section to help you stay up-to-date with financial services in the UK.

     

    Find out more

    Your rights

    • Considering a defined benefit pension transfer
    • FCA Firm Checker
    • High risk investments
    • How to check a firm or individual is authorised
    • Information for victims of financial crime
    • Your rights with financial services

    Complaints

    • Complain about a regulator
    • How to claim compensation if a firm fails
    • How to complain
    • Using claims management companies

    Scams

    • Crypto investment scams
    • Fake FCA communications
    • Loan fee fraud
    • Pension scams
    • Protect yourself from scams

    Report a firm

    • Misleading financial promotions
    • Report a payment services or e-money firm
    • Report a scam
    • Unfair contracts

    FCA Warning List

    Find our most up-to-date warnings of firms and individuals running scams or operating without authorisation.

    Read more
  • News

    Sign up to receive daily alerts on the warnings we issue

    Receive new and updated warnings in a daily email.

     

    Sign up

    News

    • Blogs
    • News stories
    • Press releases
    • Speeches
    • Statements
    • Warnings

    Media centre

    • Inside FCA podcasts
    • Media library

    Events

    • See all FCA events
  • Publications

    Policy and guidance

    Corporate documents

    Notices and decisions

    Data

    Research

    Forms

    Open consultations

    See our current open consultations and the deadlines for giving feedback.

    Respond to our consultations

bi-insurance-test-case-fca-defences-reply.pdf

File

bi-insurance-test-case-fca-defences-reply.pdf406.98 KB

  • Accessibility
  • Complain about us
  • Copyright notice
  • Corporate responsibility
  • Cymraeg
  • Freedom of information
  • Modern Slavery and Human Trafficking Statement
  • Privacy
  • Sitemap
  • Translated languages

Social

  • LinkedIn
  • RSS Feed
  • Twitter

Registers and Systems Registers and Systems

  • My FCA
  • Financial Services Register
  • FCA Handbook
  • Connect
  • RegData
  • Online Invoicing System

Careers Careers

  • Careers home
  • Early careers
  • Experienced professionals

Contact Contact

FCA Head Office

12 Endeavour Square

London E20 1JN

Contact us

Plain Language Commission Gold Award Plain Language Commission. Clear English Gold Standard Award logo

Copyright © 2025 FCA. All rights reserved.

Back to top

Company no. 01920623