Using the Financial Services Register

Find out how to check if a firm is authorised, what it means if you’re using an Appointed Representative, and what to do if a firm is unauthorised.

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A man smiles as he scrolls on his iPad

A man smiles as he scrolls on his iPad

A man smiles as he scrolls on his iPad

First published: 20/03/2023 Last updated: 03/02/2025 See all updates

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In the UK, almost all firms that provide financial services must be authorised or registered by us.

Being authorised means that firms must meet certain standards and have our permission to provide certain products and services.

Being registered means that firms must meet certain requirements, but they don’t need to have our permission to provide products and services.

How to check a firm is authorised

You can check our Financial Services Register (FS Register) to make sure a firm or individual is authorised. It will also tell you the activities the firm has permission for. 

Search the FS Register[1] 

  1. 1

    Search for the firm by name, or by using its firm reference number (FRN).

  2. 2

    If the firm is authorised, check it has permission for the products and services you need, to reduce the risk of something going wrong.

  3. 3

    Check the firm’s contact details and make sure they match the contact details you’ve been given. If there aren’t any contact details listed, or the firm says they’re out of date, call us on 0800 111 6768.

  4. 4

    If the firm is authorised but you’re not sure what protections you have, ask the firm using the details on the FS Register. 

    You should also check with the Financial Ombudsman Service[2] and Financial Services Compensation Scheme (FSCS)[3] to get a better idea of how you’d be covered if something went wrong.

    If you’re struggling to check the FS Register, find out how to contact us[4].

Using authorised firms

If a firm is authorised, it gives you greater protection if things go wrong. 

If you deal with a firm that isn’t authorised, or that doesn’t have permission for the activities you need, you won’t have access to the Financial Ombudsman if you have a complaint.

You also won’t be protected by the FSCS if the firm goes out of business. This means that it’s unlikely you’d get your money back.  

What to do if a firm is unauthorised

Unfortunately, there are firms that work without our authorisation. This is against the law.

If we’ve published a warning about an unauthorised firm, this will appear on the FS Register when you search for the firm.

Some unauthorised firms might appear as clone firms. A clone firm[5] is a copy of a genuine, authorised firm. Scammers pretend to be working for the authorised firm to con you.

For a full list of the firms we’ve published warnings about, you can search our Warning List[6]. 

Find out more about how to protect yourself from scams[7].

No longer authorised or revoked firms

If you see a firm that's 'No longer authorised' or 'Revoked' it means that the firm's authorisation has been cancelled and you should avoid dealing with it.

Products and services we do and don't regulate

Financial firms offer a wide range of products and services, some of which we regulate, and some of which we don't.  

Firms we authorise can offer both regulated and unregulated products and services. But we have more limited powers over unregulated products and services.  

Below we’ve listed a few common types of financial products and services which we do and don’t regulate. 

Learn more about financial services including mortgages, borrowing money, insurance and bank accounts by visiting MoneyHelper[8].

Appointed Representatives

You may notice that some firms on the FS Register are listed as Appointed Representatives (ARs). This means they’re carrying out activities on behalf of another firm, known as their principal.

ARs can have more than one principal. The principal agrees what activities the AR can do and is responsible for that business. 

It’s important you check with the principal what these activities are. If the AR has gone beyond the activities the principal has allowed, you may not be protected by the Financial Ombudsman or the FSCS if something goes wrong. 

You can find contact details for ARs and principal firms on the FS Register[8]. 

: Information added on products and services we do and don't regulate.
: Information added Check protections with Financial Ombudsman and FSCS.
: Information added No longer authorised or revoked firms.

More information

Check our Warning List of unauthorised firms[6]
Report a scam to us[11]
Protect yourself from scams[7]

Source URL: https://www.fca.org.uk/consumers/using-financial-services-register

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