Perimeter assessment
Documented analysis of whether your product needs FCA permissions, uses an agent model or falls outside the perimeter.
Fintech · Thames Valley
Regulatory Solicitor for Fintech in the Thames Valley
Thames Valley fintechs cross the FCA perimeter earlier than founders expect — payments, credit-broking or investment features added to a product without a permissions strategy is the most common gap we see.
Regulatory Solicitor for Fintech in the Thames Valley.
Fintech, embedded-finance and B2B SaaS businesses in the Thames Valley whose product touches payments, credit, insurance or investments.
The FCA's Consumer Duty, financial promotions regime and payments perimeter guidance actively shape what fintechs can and cannot do without authorisation.
Common matters on this page.
Financial promotions
Approvals and s.21 gateway strategy for regulated communications.
Consumer Duty implementation
Documented compliance with the four outcomes and cross-cutting rules.
Legal risks & how we manage them
What can go wrong — and how we contain it.
Unauthorised regulated activity — a criminal offence.
Perimeter analysis before launch, revised on material feature changes.
Financial promotions distributed without a valid s.21 route.
Approver strategy and content controls.
Legislation that shapes this work.
- Financial Services and Markets Act 2000
- Sets the regulated-activity perimeter and s.21 promotions regime.
- Payment Services Regulations 2017
- Governs payment services and e-money.
- FCA Handbook — Consumer Duty (PRIN 12)
- Shapes product design, communications and customer service across all authorised firms.
FAQs
Questions we get asked.
- Do you handle FCA authorisation applications?
- We advise on the perimeter and can support authorisation applications; specialist regulatory counsel is coordinated for lodging.
- Can you review our marketing for financial promotion risk?
- Yes — routine and pre-launch review.
Topical cluster.
Talk to a fintech regulatory solicitor in the Thames Valley.
Speak to Radcliffe Enterprise Law for clear, commercial legal advice — by phone, video or in person.
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