FCA Full Permission Consumer Credit Authorisation Services

FCA Full Permission Consumer Credit Authorisation

For firms where consumer credit is a core revenue-generating activity, obtaining FCA full permission consumer credit authorisation is essential.


Alumni Compliance provides specialist FCA authorisation application support for lenders and credit brokers, helping you identify the correct permissions, structure your application, and evidence governance, systems and controls to the standard the FCA expects.


We guide you through the full permission process end-to-end—from initial scoping and gap analysis to drafting a robust Regulatory Business Plan, policies and procedures, review financial information, and prepare SMCR documentation. 


Post-submission of your application, we also support you through FCA follow-up questions and information requests, ensuring your consumer credit authorisation application is clear, complete, and aligned to FCA requirements so you can operate compliantly in the UK consumer credit market.

Different Types of Full Permission Credit Brokers

Full Permission Primary Broker
This application type is typically relevant for firms seeking FCA full permission consumer credit authorisation to introduce customers to third-party finance for a wide range of products and services—not limited to motor finance or vehicle sales. This includes businesses that arrange or broker finance for general consumer purchases, where credit broking is a core activity and requires the appropriate FCA consumer credit permissions.
Full Permission Secondary Broker
A full permission secondary credit broker application is typically relevant where the firm is arranging or introducing customers to finance for the purchase of a vehicle that the firm does not own or supply. In other words, the business acts as an independent motor finance broker—sourcing finance from third-party lenders for consumers purchasing vehicles from other sellers—so credit broking is a primary regulated activity and requires the appropriate FCA consumer credit permissions.
Full Permission Commercial Broker
A full permission commercial credit broker application is typically relevant for firms that introduce sole traders and partnerships to finance products from a panel of lenders. Where the firm’s role involves arranging or broking credit for individuals or small business structures (such as sole traders) and this is a core activity, the business will usually need the appropriate FCA full permission consumer credit permissions to carry on credit broking lawfully.

Need support with your full permission application?