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1000+

Successful FCA applications

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Winner of Best Financial Services Compliance Consultancy 2020 - 2023

2000+

Happy customers served

Types of credit & Mortgages compliance services

With a commercial lens and birdseye view over the whole consumer credit and mortgage compliance landscape, we apply our expertise to get ‘good consumer outcomes’.

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Applications

Navigating the depth of technical knowledge and breadth of documentation for submission is tough, save time and money by getting it right, first time

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Consumer Credit Compliance support

We’ll preempt possible pitfalls, by keeping up to date with changes to meet the FCA threshold conditions, and keeping your policies and procedures compliant

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Audit and advisory

Reviewing your vulnerable customer and responsible lending procedures, or developing policies as your business grows - we’ll help protect your business and customers

Wondering how long it’ll take? What your options are? Where to start? Or whether you’re ready to become authorised?

Head to our FCA authorisation FAQs

Buy Now Pay Later

We can help you get application ready, threshold conditions and regulation ready, and provide advice on structuring your business model, ahead of the upcoming regulation.

We also have a suite of policies, procedures and templates, built upon the back of our extensive experience and direct FCA feedback from working with many firms across the credit space.

We will then work with you to ensure they are tailored to your business and are reflective of the proposed model, structure and proposed control and procedures in place.

Who we support

We provide consumer credit compliance support to different types of firms in the sector, including:
  • Credit Lenders
  • Buy Now Pay Later Lenders
  • High-Cost Short-Term Credit Lenders
  • Revolving Account Credit Lenders
  • Business to business Lenders
  • Credit Brokers
  • Limited Scope Credit Brokers
  • Credit Reference Agencies
  • Peer to Peer Lending
  • Providing Credit Information Services
  • Debt Counsellors and Adjusters
  • Debt Collectors
  • Debt Administrators
  • Consumer Hirers
  • Mortgage Brokers
  • Mortgage Lenders
  • Mortgage Advisors
And many more...
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Union
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Credit Reference Agency permission

Credit Reference Agency permission

Read the case study
The Senior Managers & Certification Regime (SM&CR) for Credit

The Senior Managers & Certification Regime (SM&CR) for Credit

Read the case study
Peer-to-Peer Lending Supervision

Peer-to-Peer Lending Supervision

Read the case study
Thistle provided us with invaluable, technical advice during our FCA application process. The team took time to understand the particulars of our business and then apply their knowledge, skill and expertise to ensure that commercial goals were being met, whilst also ensuring regulatory requirements and objectives were a central focus to business operation.
Cherry Godfrey

Acquisition Due Diligence

We have been helping UK and overseas firms acquire FCA regulated businesses since 2012. Over that time we have handled regulatory due diligence on more than 60 regulated entities, advising on transactions worth over £5 billion.

If you are looking at acquiring a regulated firm, our expert team can help. We offer a range of acquisition due diligence services to help you fully understand the regulatory risk any transaction poses.

 

Find out more ➜

What our clients have to say

“Thistle Initiatives helped Nova secure its UK Credit Reference Agency licence from the FCA. They were able to help us complete all the paperwork needed by the FCA to a very high standard that was specific to our business model. Shazana and Matt also gave welcoming and expert service throughout, and were a huge help with the FCA's queries during multiple rounds.”
Nova-Credit
Nova Credit UK
“Thistle’s guidance during our FCA application was very helpful. As a new company to the market, they helped us to successfully get our FCA approval and meanwhile advising us on where they could. The team at Thistle were engaged, knowledgeable, and supporting, exercising their experience in the best way to approach regulation, compliance, and the FCA in order to help us create more liveable cities with our full-service monthly bike membership. I would be very happy to recommend Thistle to other firms.”
Swapfiets
Swapfiets

“Thistle provides us with invaluable, proactive and engaging compliance support. The service from the Thistle team is always accurate, detailed and tailored, taking into consideration our model, as well as the size and scale of our business and operations. We highly recommend the Thistle team.”

BLEND
Blend
“From end to end, Thistle’s assistance with our discretionary and advisory application for FCA authorisation was fantastic. They provided a professional and efficient service assisting with all aspects; we are very satisfied with the outcome.”
Topstone Capital-3
Topstone Capital

Some of our recent credit & mortgages blog posts

Credit and Mortgages Monthly Newsletter - March 2024

Credit and Mortgages Monthly Newsletter - March 2024

2 April 2024
Here's an overview of our monthly credit updates: - Consumer Duty firm survey – ...
Review of Firms' Treatment of Customers in Vulnerable Circumstances: FCA's Findings and Expectations

Review of Firms' Treatment of Customers in Vulnerable Circumstances: FCA's Findings and Expectations

2 April 2024
Summary In March 2024, the FCA announced that it would conduct a review into ...
Regulators Unite: FCA's Warning on Debt Collection Practices

Regulators Unite: FCA's Warning on Debt Collection Practices

2 April 2024
Summary Together with Ofgem, Ofwat and Ofcom, we've set out our expectations ...