Consumer Credit Compliance

What Consumer Credit Compliance does

Consumer Credit Compliance is a privately held UK compliance consultancy founded in 2013 and headquartered in Harrogate, North Yorkshire. It operates as an FCA-authorised Principal firm (FRN 631736) under Consumer Credit Compliance Limited, and since 2017 has run an Appointed Representative (AR) Network through which retailers, automotive dealers and other consumer credit firms can offer finance products to their customers under CCC's regulatory cover. The company has cumulatively worked with over 2,500 businesses since inception and publicly references enterprise relationships with Oak Furnitureland, The Lounge Co., Worcester Bosch, Van Monster and Motors.co.uk.

The core product is the Appointed Representative Network: a 12-month minimum, auto-renewing subscription under which CCC provides FCA compliance frameworks, ongoing monitoring, phone and email support, financial promotions review, regulator liaison and monthly compliance reviews. This is complemented by an e-Learning platform and bespoke in-house training (delivered through a separate subsidiary, Consumer Credit Compliance Training Limited) and a standalone Financial Promotions review service. Technology is conventional and non-proprietary: Zoho CRM, Microsoft Exchange and SharePoint for client data, WordPress with Wordfence for the website, and Google Analytics, SessionCam and Hotjar for analytics. There is no app, public API or SDK, and no disclosed AI/ML capability.

Revenue is generated through three streams: recurring subscriptions for ongoing AR compliance (monthly or annual billing in advance), professional services fees for bespoke training and venue-based programmes, and per-engagement fees for financial promotions review. Pricing is bespoke and not publicly disclosed, with payment required in advance and direct debit mandated for monthly AR retainers. The company is bootstrapped, holds no external investment, and operates entirely within the United Kingdom; its only material regulatory milestone beyond FCA Principal status is Cyber Essentials certification achieved in October 2022.

Name

Consumer Credit Compliance

Legal name

Consumer Credit Compliance Limited

Website

https://consumercreditcompliance.co.uk

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

Consumer Credit Compliance is a UK FCA-authorised Principal firm that runs an Appointed Representative Network, enabling retailers, automotive dealers and other businesses to offer consumer credit under its regulatory cover, supported by compliance training and financial promotions review services.

Ownership category

akta.pro rank

Product category

Regulatory Compliance Consultancy

akta.pro primary industry

Regulatory Compliance Advisory (BPAHAFAB)

akta.pro secondary industry

Compliance, Audit & Regulatory Services for Collections (FSAKAJAL)

Keywords

• Regulatory compliance services
• Appointed representative network
• FCA compliance consultancy
• Consumer credit compliance
• Financial promotions review

Headquarters

HQ city

Harrogate

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Appointed Representative Network Services: Ongoing compliance services provided to appointed representatives including telephone support, email support, liaising with regulators on behalf of clients, periodic newsletters, and monitoring. Services are charged according to proposals issued to clients with fees potentially increased at any time. The minimum term for ongoing compliance service is 12 months, automatically renewed.
2. Compliance Training: Bespoke in-house training and e-Learning courses covering FCA compliance and data protection. Training services include venue hire and hospitality costs borne by the client.
3. Financial Promotions Review: Compliance review service for clients' marketing and advertisement content with written recommendations provided where appropriate.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Consumer Credit Compliance is an FCA-regulated Principal firm that operates an Appointed Representative Network, allowing UK retailers and businesses to offer consumer credit and finance products to their customers without holding their own FCA authorisation. The firm provides ongoing compliance support including telephone and email support, regulatory liaison, monthly compliance reviews, financial promotions review, and bespoke e-Learning training to ensure appointed representatives meet FCA Threshold conditions and regulatory obligations.

Product overview

Consumer Credit Compliance is a single-service consultancy providing FCA regulatory compliance services primarily through its Appointed Representative Network, complemented by e-Learning training and Financial Promotions review services. The core offering is the Appointed Representative Network, where the company acts as a Principal firm, enabling retailers to offer finance products. e-Learning provides compliance training on FCA and data protection topics. Financial Promotions offers marketing content compliance reviews. All services are integrated under the same regulatory umbrella to help ARs remain FCA compliant.

Differentiator

Problem solved

Functional benefit

Products and services

• Appointed Representative Network An FCA-regulated Principal network that allows UK businesses (retailers, manufacturers, automotive dealers) to offer consumer credit and finance products to their customers as Appointed Representatives, without holding their own FCA authorisation. Includes bespoke support packages with telephone and email support, regulator liaison, periodic newsletters, and a minimum 12-month service term.
• e-Learning Self-service online compliance training platform providing courses on FCA compliance and data protection for appointed representatives and their teams. Materials can be revisited as needed to support ongoing competency development.
• Financial Promotions Compliance review service for clients' marketing and advertisement content. Reviews financial promotions and provides written recommendations to ensure regulatory compliance with FCA financial promotions rules.
• Compliance Training Bespoke in-house training covering FCA compliance and data protection requirements for appointed representatives and consumer credit firms. Venue hire and hospitality costs are borne by the client.

Quantifiable outcome

• Over 2,500 businesses served since 2013
• +1 more outcomes

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• SimplyBiz Group: Established UK AR/network support provider and compliance services platform. Operates a broader membership proposition that overlaps with CCC's Principal/AR network model.
• Newable: UK business support group providing advice, compliance and finance-related services to SMEs; overlaps with CCC on regulatory and compliance support for regulated firms.
• Experian (UK Compliance/Data Services): Global credit information group that supports UK lenders with credit reporting, compliance and consumer data services, making it a broader incumbent adjacent to CCC's compliance focus.
• Deloitte (UK Regulatory & Compliance practice): Global professional services firm with a large UK regulatory and compliance advisory practice serving banks and consumer credit firms; broad incumbent alternative for enterprise clients in CCC's space.

Direct peers

• Compass Compliance Solutions: UK compliance consultancy offering FCA authorisation, ongoing compliance and training services to consumer credit and financial services firms, directly aligned with CCC's offerings.
• Thistle Initiatives: UK-based FCA compliance consultancy supporting regulated firms with authorisations, ongoing compliance and training. Directly comparable niche to CCC's AR/principal services.
• Regulatory Risk Partners (RegRisk): UK regulatory and compliance advisory firm serving FCA-regulated firms. Overlaps with CCC in delivering compliance support, training and regulatory liaison.
• PRA Law / Compliance Co. UK FCA compliance support firm providing tailored compliance, training and policy services to authorised firms and appointed representatives.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/consumer-credit-compliance-limited

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Consumer Credit Compliance