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1</head><body class="font-sans antialiased"><div hidden=""><!--$--><!--/$--></div><!--$!--><template data-dgst="BAILOUT_TO_CLIENT_SIDE_RENDERING"></template><!--/$--><nav data-nav-root="true" aria-label="Main navigation" class="sticky top-0 border-b border-emerald-500/20 bg-[#0a1224]/95 text-slate-100 backdrop-blur z-50"><div class="mx-auto max-w-7xl px-4 sm:px-6 lg:px-8"><div class="relative flex justify-between items-center h-16"><a class="flex items-center gap-2" href="/"><span class="text-2xl font-bold text-white drop-shadow">MEMA</span><span class="text-sm font-medium text-slate-300">Consultants</span></a><div class="hidden xl:flex items-center space-x-1"><div class=""><a aria-haspopup="true" aria-expanded="false" class="relative flex h-16 items-center whitespace-nowrap px-4 font-medium transition hover:text-emerald-300" href="/services">Services<svg class="ml-1 inline w-3 h-3 transition-transform duration-200 motion-reduce:transition-none opacity-60" viewBox="0 0 12 12" 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pt-6"><div class="grid flex-1 grid-cols-3 gap-6"><div class="min-w-0"><a class="inline-flex px-3 transition hover:opacity-70" href="/get-authorised"><span class="flex items-center gap-1.5 text-[11px] font-semibold uppercase tracking-wider text-emerald-700"><svg width="15" height="15" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="text-emerald-600"><path d="M13.5 6.5C10 10 8 13 8.5 15.5c2.5.5 5.5-1.5 9-5 1.6-1.6 2-4.5 2-6-1.5 0-4.4.4-6 2z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5" stroke-linejoin="round"></path><circle cx="14.3" cy="9.7" r="1.3" stroke="currentColor" stroke-width="1.5"></circle><path d="M8.5 15.5l-3.5 1 1-3.5M4.5 16.5c-1 1-1.3 3.2-1.2 4.2 1-.1 3.2-.4 4.2-1.4" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg>Get Authorised<svg width="12" height="12" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="opacity-60"><path d="M4 12h16M13 5l7 7-7 7" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span></a><div class="mt-2"><div class="min-w-0"><p class="px-3 pb-1 pt-3 text-[11px] font-semibold uppercase tracking-wider text-slate-400">Your route to authorisation</p><div class="space-y-0.5"><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/fca-authorisation"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><path d="M12 2L4 5v6c0 5.55 3.84 10.74 9 12 5.16-1.26 9-6.45 9-12V5l-8-3z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></path><path d="M9 12l2 2 4-4" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">FCA Authorisation</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">End-to-end application support from scoping to approval.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/variation-of-permissions"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><rect x="4" y="4" width="7" height="7" rx="1" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></rect><rect x="13" y="4" width="7" height="7" rx="1" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></rect><rect x="4" y="13" width="7" height="7" rx="1" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></rect><rect x="13" y="13" width="7" height="7" rx="1" fill="currentColor" opacity="0.3" stroke="currentColor" stroke-width="1.5"></rect><path d="M16.5 16.5l3 3" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Variation of Permissions</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Add, remove or amend permissions on an existing Part 4A.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/regulatory-perimeter-assessment"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 64 64" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><rect x="12" y="8" width="40" height="48" rx="4" fill="#19b07b" opacity="0.1"></rect><rect x="12" y="8" width="40" height="48" rx="4" stroke="#19b07b" stroke-width="2"></rect><rect x="16" y="12" width="32" height="10" rx="2" fill="#19b07b" opacity="0.2"></rect><circle cx="22" cy="32" r="3" fill="#19b07b"></circle><circle cx="32" cy="32" r="3" fill="#19b07b"></circle><circle cx="42" cy="32" r="3" fill="#19b07b"></circle><circle cx="22" cy="42" r="3" fill="#19b07b"></circle><circle cx="32" cy="42" r="3" fill="#19b07b"></circle><circle cx="42" cy="42" r="3" fill="#19b07b"></circle><rect x="16" y="48" width="32" height="4" rx="2" fill="#19b07b"></rect></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Regulatory Perimeter Assessment</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">A consultant-led analysis of activities, exclusions and permissions.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/services/appointed-representative-to-direct-authorisation"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class="">
1<path d="M12 2L4 5v6c0 5.55 3.84 10.74 9 12 5.16-1.26 9-6.45 9-12V5l-8-3z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></path><path d="M9 12l2 2 4-4" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Appointed Representative to Direct Authorisation</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Plan the move from appointed representative status to a directly authorised business.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/services/uk-authorisation-for-international-firms"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><path d="M12 2L4 5v6c0 5.55 3.84 10.74 9 12 5.16-1.26 9-6.45 9-12V5l-8-3z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></path><path d="M9 12l2 2 4-4" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">UK Authorisation for International Firms</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Design a UK presence and authorisation route that reflects how the business operates.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/change-in-control"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><rect x="4" y="4" width="7" height="7" rx="1" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></rect><rect x="13" y="4" width="7" height="7" rx="1" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></rect><rect x="4" y="13" width="7" height="7" rx="1" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></rect><rect x="13" y="13" width="7" height="7" rx="1" fill="currentColor" opacity="0.3" stroke="currentColor" stroke-width="1.5"></rect><path d="M16.5 16.5l3 3" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Change in Control</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Section 178 notices for acquiring, increasing or giving up control of an authorised firm.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a></div></div></div></div><div class="min-w-0"><a class="inline-flex px-3 transition hover:opacity-70" href="/stay-compl
1iant"><span class="flex items-center gap-1.5 text-[11px] font-semibold uppercase tracking-wider text-emerald-700"><svg width="15" height="15" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="text-emerald-600"><path d="M12 3l7 2.5v5c0 4.5-3 7.5-7 9-4-1.5-7-4.5-7-9v-5L12 3z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5" stroke-linejoin="round"></path><path d="M9 12l2 2 4-4" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg>Stay Compliant<svg width="12" height="12" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="opacity-60"><path d="M4 12h16M13 5l7 7-7 7" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span></a><div class="mt-2 space-y-0.5"><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/fca-compliance-consultants"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><circle cx="9" cy="7" r="3" stroke="currentColor" stroke-width="1.5" fill="currentColor" opacity="0.2"></circle><circle cx="15" cy="7" r="3" stroke="currentColor" stroke-width="1.5" fill="currentColor" opacity="0.2"></circle><path d="M4 20v-2a4 4 0 0 1 4-4h2" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path><path d="M14 14h2a4 4 0 0 1 4 4v2" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path><path d="M10 14h4" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Compliance Outsourcing</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Your external compliance function - monitoring, advice and reporting.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/senior-managers-and-certification-regime"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><circle cx="12" cy="6" r="2.5" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></circle><circle cx="6" cy="16" r="2" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></circle><circle cx="12" cy="16" r="2" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></circle><circle cx="18" cy="16" r="2" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></circle><path d="M12 8.5v5.5M12 14l-4.5 2M12 14l4.5 2" stroke="currentColor" stroke-width="1.5"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">SM&CR Implementation</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">SMF mapping, responsibilities, certification and F&P.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/services/consumer-duty"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><path d="M12 21a9 9 0 1 0 0-18 9 9 0 0 0 0 18z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></path><path d="M8 12l2.5 2.5L16 9" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Consumer Duty</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">
1Outcomes evidence, fair value and the annual board report.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/financial-crime"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><circle cx="12" cy="12" r="9" stroke="currentColor" stroke-width="1.5" fill="currentColor" opacity="0.1"></circle><path d="M12 6v12M6 12h12" stroke="currentColor" stroke-width="1.5"></path><circle cx="12" cy="12" r="2" fill="currentColor"></circle></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Financial Crime</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">AML/CTF frameworks, risk assessments and controls testing.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/services/regulatory-training"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><path d="M12 3L2 8l10 5 10-5-10-5z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5" stroke-linejoin="round"></path><path d="M2 13l10 5 10-5" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M2 18l10 5 10-5" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Regulatory Training</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Role-based training and competence for staff and boards.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/horizonscanning"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><path d="M12 2L4 5v6c0 5.55 3.84 10.74 9 12 5.16-1.26 9-6.45 9-12V5l-8-3z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></path><path d="M9 12l2 2 4-4" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Regulatory Horizon Scanning</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Turn regulatory updates into owned actions, decisions and evidence.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a></div></div><div class="min-w-0"><a class="inline-flex px-3 transition hover:opacity-70" href="/respond-to-fca"><span class="flex items-center gap-1.5 text-[11px] font-semibold uppercase tracking-wider text-emerald-700"><svg width="15" height="15" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="text-emerald-600"><circle cx="12" cy="12" r="9" fill="currentColor" opacity="0.15" stroke="currentColor" stroke-width="1.5"></circle><circle cx="12" cy="12" r="3.5" stroke="currentColor" stroke-width="1.5"></circle><path d="M4.9 4.9l4.3 4.3M19.1 4.9l-4.3 4.3M4.9 19.1l4.3-4.3M19.1 19.1l-4.3-4.3" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path></svg>
1Fix A Regulatory Issue<svg width="12" height="12" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="opacity-60"><path d="M4 12h16M13 5l7 7-7 7" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span></a><div class="mt-2 space-y-0.5"><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/services/voluntary-requirements"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><rect x="4" y="4" width="7" height="7" rx="1" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></rect><rect x="13" y="4" width="7" height="7" rx="1" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></rect><rect x="4" y="13" width="7" height="7" rx="1" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></rect><rect x="13" y="13" width="7" height="7" rx="1" fill="currentColor" opacity="0.3" stroke="currentColor" stroke-width="1.5"></rect><path d="M16.5 16.5l3 3" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Voluntary Requirements (VREQ)</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">
1Negotiate, scope and discharge VREQs and OIREQs.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/fca-interview-preparation"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class=""><path d="M12 3l9 5v1H3V8l9-5z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5" stroke-linejoin="round"></path><path d="M6 11v6M10 11v6M14 11v6M18 11v6" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path><path d="M4 20h16" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">FCA & Regulated Role Interview Preparation</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Evidence-led preparation for FCA meetings and senior regulated-role interviews.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/services/fca-supervisory-response"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><path d="M12 2L4 5v6c0 5.55 3.84 10.74 9 12 5.16-1.26 9-6.45 9-12V5l-8-3z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></path><path d="M9 12l2 2 4-4" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">FCA Supervisory Response</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Structured responses to Dear CEO letters, information requests and interventions.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/contact/consultation"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><circle cx="9" cy="7" r="3" stroke="currentColor" stroke-width="1.5" fill="currentColor" opacity="0.2"></circle><circle cx="15" cy="7" r="3" stroke="currentColor" stroke-width="1.5" fill="currentColor" opacity="0.2"></circle><path d="M4 20v-2a4 4 0 0 1 4-4h2" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path><path d="M14 14h2a4 4 0 0 1 4 4v2" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path><path d="M10 14h4" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Remediation & Change</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Remediation planning, delivery and regulatory change enablement.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a></div></div></div><div class="flex w-[280px] shrink-0 flex-col rounded-xl bg-emerald-50/70 bg-[length:100%_auto] bg-bottom bg-no-repeat p-5 ring-1 ring-emerald-100" style="background-image:url('/images/nav/menu-card-bg.webp')"><p class="text-lg font-bold leading-snug text-slate-900">Not sure which you need?</p><span class="mt-3 h-1 w-10 rounded bg-emerald-500"></span>
1<p class="mt-3 text-sm leading-snug text-slate-600">Where is your firm right now?</p><div class="mt-4 space-y-2"><a class="group block rounded-lg border border-emerald-200/70 bg-white/70 px-3 py-2.5 transition hover:border-emerald-400 hover:bg-white" href="/get-authorised"><span class="flex items-center gap-2 text-sm font-semibold text-slate-800"><svg width="20" height="20" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="h-4 w-4 flex-shrink-0 text-emerald-600"><path d="M13.5 6.5C10 10 8 13 8.5 15.5c2.5.5 5.5-1.5 9-5 1.6-1.6 2-4.5 2-6-1.5 0-4.4.4-6 2z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5" stroke-linejoin="round"></path><circle cx="14.3" cy="9.7" r="1.3" stroke="currentColor" stroke-width="1.5"></circle><path d="M8.5 15.5l-3.5 1 1-3.5M4.5 16.5c-1 1-1.3 3.2-1.2 4.2 1-.1 3.2-.4 4.2-1.4" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg>Get Authorised<svg width="14" height="14" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="ml-auto text-emerald-600 opacity-0 transition group-hover:opacity-100"><path d="M4 12h16M13 5l7 7-7 7" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span><span class="mt-1 block text-xs leading-snug text-slate-600">Not authorised yet, or you need a permission you do not hold</span></a><a class="group block rounded-lg border border-emerald-200/70 bg-white/70 px-3 py-2.5 transition hover:border-emerald-400 hover:bg-white" href="/stay-compliant"><span class="flex items-center gap-2 text-sm font-semibold text-slate-800"><svg width="20" height="20" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="h-4 w-4 flex-shrink-0 text-emerald-600"><path d="M12 3l7 2.5v5c0 4.5-3 7.5-7 9-4-1.5-7-4.5-7-9v-5L12 3z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5" stroke-linejoin="round"></path><path d="M9 12l2 2 4-4" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg>Stay Compliant<svg width="14" height="14" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="ml-auto text-emerald-600 opacity-0 transition group-hover:opacity-100"><path d="M4 12h16M13 5l7 7-7 7" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span><span class="mt-1 block text-xs leading-snug text-slate-600">Authorised already, and the work is keeping it that way</span></a><a class="group block rounded-lg border border-emerald-200/70 bg-white/70 px-3 py-2.5 transition hover:border-emerald-400 hover:bg-white" href="/respond-to-fca"><span class="flex items-center gap-2 text-sm font-semibold text-slate-800"><svg width="20" height="20" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="h-4 w-4 flex-shrink-0 text-emerald-600"><circle cx="12" cy="12" r="9" fill="currentColor" opacity="0.15" stroke="currentColor" stroke-width="1.5"></circle><circle cx="12" cy="12" r="3.5" stroke="currentColor" stroke-width="1.5"></circle><path d="M4.9 4.9l4.3 4.3M19.1 4.9l-4.3 4.3M4.9 19.1l4.3-4.3M19.1 19.1l-4.3-4.3" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path></svg>Fix A Regulatory Issue<svg width="14" height="14" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="ml-auto text-emerald-600 opacity-0 transition group-hover:opacity-100"><path d="M4 12h16M13 5l7 7-7 7" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span><span class="mt-1 block text-xs leading-snug text-slate-600">The FCA has been in touch, or something needs putting right</span></a></div></div></div><div class="border-t border-slate-100 px-6 pb-4 pt-3"><p class="pb-2 text-[11px] font-semibold uppercase tracking-wider text-slate-400">Permissions by activity</p><div class="flex flex-wrap gap-2"><a class="inline-flex items-center gap-2 rounded-lg border border-slate-200 px-3 py-1.5 text-sm font-medium text-slate-600 transition hover:border-emerald-200 hover:bg-emerald-50 hover:text-primary-900" href="/services/ais-permissions"><svg width="20" height="20" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class="h-4 w-4 text-emerald-600">
1<path d="M12 2L4 5v6c0 5.55 3.84 10.74 9 12 5.16-1.26 9-6.45 9-12V5l-8-3z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></path><path d="M9 12l2 2 4-4" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg>AIS/PIS Permissions</a><a class="inline-flex items-center gap-2 rounded-lg border border-slate-200 px-3 py-1.5 text-sm font-medium text-slate-600 transition hover:border-emerald-200 hover:bg-emerald-50 hover:text-primary-900" href="/services/cryptoasset-regulatory-readiness"><svg width="20" height="20" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class="h-4 w-4 text-emerald-600"><circle cx="12" cy="12" r="9" fill="currentColor" opacity="0.15" stroke="currentColor" stroke-width="1.5"></circle><path d="M9 8h4a2 2 0 0 1 0 4H9V8z" stroke="currentColor" stroke-width="1.5" stroke-linejoin="round"></path><path d="M9 12h5a2 2 0 0 1 0 4H9v-4z" stroke="currentColor" stroke-width="1.5" stroke-linejoin="round"></path><path d="M11 6v2M13 6v2M11 16v2M13 16v2" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path></svg>Cryptoasset Regulatory Readiness</a><a class="inline-flex items-center gap-2 rounded-lg border border-slate-200 px-3 py-1.5 text-sm font-medium text-slate-600 transition hover:border-emerald-200 hover:bg-emerald-50 hover:text-primary-900" href="/services/buy-now-pay-later"><svg width="20" height="20" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class="h-4 w-4 text-emerald-600"><rect x="2" y="6" width="20" height="12" rx="2" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></rect><path d="M2 10h20" stroke="currentColor" stroke-width="1.5"></path><rect x="5" y="13" width="6" height="2" rx="0.5" fill="currentColor"></rect></svg>Buy Now Pay Later</a><a class="inline-flex items-center gap-2 rounded-lg border border-slate-200 px-3 py-1.5 text-sm font-medium text-slate-600 transition hover:border-emerald-200 hover:bg-emerald-50 hover:text-primary-900" href="/credit-broking"><svg width="20" height="20" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class="h-4 w-4 text-emerald-600"><rect x="3" y="3" width="18" height="18" rx="2" fill="currentColor" opacity="0.1" stroke="currentColor" stroke-width="1.5"></rect><path d="M3 9h18M9 3v18" stroke="currentColor" stroke-width="1.5"></path><circle cx="6" cy="6" r="1" fill="currentColor"></circle><circle cx="15" cy="15" r="1.5" fill="currentColor"></circle></svg>Credit Broking</a><a class="inline-flex items-center gap-2 rounded-lg border border-slate-200 px-3 py-1.5 text-sm font-medium text-slate-600 transition hover:border-emerald-200 hover:bg-emerald-50 hover:text-primary-900" href="/mortgage-broking"><svg width="20" height="20" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class="h-4 w-4 text-emerald-600"><rect x="3" y="3" width="18" height="18" rx="2" fill="currentColor" opacity="0.1" stroke="currentColor" stroke-width="1.5"></rect><path d="M3 9h18M9 3v18" stroke="currentColor" stroke-width="1.5"></path><circle cx="6" cy="6" r="1" fill="currentColor"></circle><circle cx="15" cy="15" r="1.5" fill="currentColor"></circle></svg>Mortgage Broking</a><a class="inline-flex items-center gap-2 rounded-lg border border-slate-200 px-3 py-1.5 text-sm font-medium text-slate-600 transition hover:border-emerald-200 hover:bg-emerald-50 hover:text-primary-900" href="/insurance-broking"><svg width="20" height="20" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class="h-4 w-4 text-emerald-600"><rect x="3" y="3" width="18" height="18" rx="2" fill="currentColor" opacity="0.1" stroke="currentColor" stroke-width="1.5"></rect><path d="M3 9h18M9 3v18" stroke="currentColor" stroke-width="1.5"></path><circle cx="6" cy="6" r="1" fill="currentColor"></circle><circle cx="15" cy="15" r="1.5" fill="currentColor"></circle></svg>Insurance Broking</a><a class="inline-flex items-center gap-2 rounded-lg border border-slate-200 px-3 py-1.5 text-sm font-medium text-slate-600 transition hover:border-emerald-200 hover:bg-emerald-50 hover:text-primary-900" href="/consumer-credit"><svg width="20" height="20" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class="h-4 w-4 text-emerald-600"><rect x="2" y="6" width="20" height="12" rx="2" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></rect><path d="M2 10h20" stroke="currentColor" stroke-width="1.5"></path><rect x="5" y="13" width="6" height="2" rx="0.5" fill="currentColor"></rect></svg>Consumer Credit</a><a class="inline-flex items-center gap-2 rounded-lg border border-slate-200 px-3 py-1.5 text-sm font-medium text-slate-600 transition hover:border-emerald-200 hover:bg-emerald-50 hover:text-primary-900" href="/limited-permission-credit-broking"><svg width="20" height="20" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class="h-4 w-4 text-emerald-600"><rect x="3" y="3" width="18" height="18" rx="2" fill="currentColor" opacity="0.1" stroke="currentColor" stroke-width="1.5"></rect><path d="M3 9h18M9 3v18" stroke="currentColor" stroke-width="1.5"></path><circle cx="6" cy="6" r="1" fill="currentColor"></circle><circle cx="15" cy="15" r="1.5" fill="currentColor"></circle></svg>Limited-Permission Credit Broking</a><a class="inline-flex items-center gap-2 rounded-lg border border-slate-200 px-3 py-1.5 text-sm font-medium text-slate-600 transition hover:border-emerald-200 hover:bg-emerald-50 hover:text-primary-900" href="/funeral-plans"><svg width="20" height="20" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class="h-4 w-4 text-emerald-600">
1<path d="M12 2L4 5v6c0 5.55 3.84 10.74 9 12 5.16-1.26 9-6.45 9-12V5l-8-3z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></path><path d="M9 12l2 2 4-4" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg>Funeral Plans</a></div></div><div class="border-t border-slate-100 px-6 py-3 text-center"><a class="inline-flex items-center gap-1 text-sm font-semibold text-emerald-600 transition hover:text-emerald-700" href="/services">View all services<!-- --> <svg width="14" height="14" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class=""><path d="M4 12h16M13 5l7 7-7 7" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a></div></div></div></div></div></div><div class=""><a aria-haspopup="true" aria-expanded="false" class="relative flex h-16 items-center whitespace-nowrap px-4 font-medium transition hover:text-emerald-300" href="/tools">Tools<svg class="ml-1 inline w-3 h-3 transition-transform duration-200 motion-reduce:transition-none opacity-60" viewBox="0 0 12 12" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><path d="M2.5 4.5L6 8L9.5 4.5"></path></svg><span class="pointer-events-none absolute inset-x-3 bottom-0 h-0.5 origin-center rounded-full bg-emerald-400 transition-transform duration-200 motion-reduce:transition-none scale-x-0"></span></a><div class="absolute left-0 right-0 top-full z-50 pt-2 transition-all duration-200 motion-reduce:transition-none pointer-events-none invisible translate-y-1 opacity-0"><div class="relative isolate max-h-[calc(100vh-5.5rem)] overflow-y-auto overflow-x-hidden overscroll-contain rounded-2xl border border-slate-200 bg-white text-slate-700 shadow-2xl ring-1 ring-black/5"><div aria-hidden="true" class="pointer-events-none sticky top-0 z-0 h-0"><div class="h-[840px] w-full bg-[length:100%_100%] bg-no-repeat opacity-70" style="background-image:url('/images/nav/menu-bg.webp')"></div></div><div class="relative z-10"><div><div class="flex gap-6 px-6 pb-4 pt-6"><div class="grid flex-1 grid-cols-3 gap-6"><div class="min-w-0"><a class="inline-flex px-3 transition hover:opacity-70" href="/get-authorised"><span class="flex items-center gap-1.5 text-[11px] font-semibold uppercase tracking-wider text-emerald-700"><svg width="15" height="15" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="text-emerald-600"><path d="M13.5 6.5C10 10 8 13 8.5 15.5c2.5.5 5.5-1.5 9-5 1.6-1.6 2-4.5 2-6-1.5 0-4.4.4-6 2z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5" stroke-linejoin="round"></path><circle cx="14.3" cy="9.7" r="1.3" stroke="currentColor" stroke-width="1.5"></circle><path d="M8.5 15.5l-3.5 1 1-3.5M4.5 16.5c-1 1-1.3 3.2-1.2 4.2 1-.1 3.2-.4 4.2-1.4" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg>Get Authorised<svg width="12" height="12" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="opacity-60"><path d="M4 12h16M13 5l7 7-7 7" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span></a><div class="mt-2 space-y-0.5"><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/tools/perimeter-assessment"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 64 64" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><rect x="12" y="8" width="40" height="48" rx="4" fill="#19b07b" opacity="0.1"></rect><rect x="12" y="8" width="40" height="48" rx="4" stroke="#19b07b" stroke-width="2"></rect><rect x="16" y="12" width="32" height="10" rx="2" fill="#19b07b" opacity="0.2"></rect><circle cx="22" cy="32" r="3" fill="#19b07b"></circle><circle cx="32" cy="32" r="3" fill="#19b07b"></circle><circle cx="42" cy="32" r="3" fill="#19b07b"></circle><circle cx="22" cy="42" r="3" fill="#19b07b"></circle><circle cx="32" cy="42" r="3" fill="#19b07b"></circle><circle cx="42" cy="42" r="3" fill="#19b07b"></circle><rect x="16" y="48" width="32" height="4" rx="2" fill="#19b07b"></rect></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Perimeter Assessment</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Map your activities to permissions and sourcebooks.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/tools/fca-calculator"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 64 64" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><rect x="12" y="8" width="40" height="48" rx="4" fill="#19b07b" opacity="0.1"></rect><rect x="12" y="8" width="40" height="48" rx="4" stroke="#19b07b" stroke-width="2"></rect><rect x="16" y="12" width="32" height="10" rx="2" fill="#19b07b" opacity="0.2"></rect><circle cx="22" cy="32" r="3" fill="#19b07b"></circle><circle cx="32" cy="32" r="3" fill="#19b07b"></circle><circle cx="42" cy="32" r="3" fill="#19b07b"></circle><circle cx="22" cy="42" r="3" fill="#19b07b"></circle><circle cx="32" cy="42" r="3" fill="#19b07b"></circle><circle cx="42" cy="42" r="3" fill="#19b07b"></circle><rect x="16" y="48" width="32" height="4" rx="2" fill="#19b07b"></rect></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">FCA Fee Calculator</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Estimate your application and annual FCA fees.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/tools/fca-authorisation-checklist"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 64 64" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><rect x="14" y="12" width="36" height="44" rx="3" fill="#19b07b" opacity="0.1"></rect><rect x="14" y="12" width="36" height="44" rx="3" stroke="#19b07b" stroke-width="2"></rect><rect x="24" y="8" width="16" height="8" rx="2" fill="#19b07b" opacity="0.3"></rect><rect x="24" y="8" width="16" height="8" rx="2" stroke="#19b07b" stroke-width="1.5"></rect><path d="M20 26 L24 30 L32 22" stroke="#19b07b" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M20 36 L24 40 L32 32" stroke="#19b07b" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><rect x="20" y="44" width="8" height="8" rx="1.5" stroke="#19b07b" stroke-width="1.5" opacity="0.5"></rect><path d="M36 26 L44 26" stroke="#19b07b" stroke-width="1.5" opacity="0.6"></path><path d="M36 36 L44 36" stroke="#19b07b" stroke-width="1.5" opacity="0.6"></path><path d="M36 48 L44 48" stroke="#19b07b" stroke-width="1.5" opacity="0.6"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Authorisation Readiness Checklist</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">
1Track your application preparation against 45 items.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a></div></div><div class="min-w-0"><a class="inline-flex px-3 transition hover:opacity-70" href="/stay-compliant"><span class="flex items-center gap-1.5 text-[11px] font-semibold uppercase tracking-wider text-emerald-700"><svg width="15" height="15" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="text-emerald-600"><path d="M12 3l7 2.5v5c0 4.5-3 7.5-7 9-4-1.5-7-4.5-7-9v-5L12 3z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5" stroke-linejoin="round"></path><path d="M9 12l2 2 4-4" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg>Stay Compliant<svg width="12" height="12" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="opacity-60"><path d="M4 12h16M13 5l7 7-7 7" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span></a><div class="mt-2 space-y-0.5"><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/tools/company-check"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class=""><path d="M12 3l7 2.5v5c0 4.5-3 7.5-7 9-4-1.5-7-4.5-7-9v-5L12 3z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5" stroke-linejoin="round"></path><path d="M9 12l2 2 4-4" stroke="currentColor" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Company Trust Check</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Check companies, directors, PSCs and filing risks before onboarding or payment.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/tools/smcr"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 64 64" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><circle cx="32" cy="20" r="8" fill="#19b07b" opacity="0.2"></circle><circle cx="32" cy="20" r="8" stroke="#19b07b" stroke-width="2"></circle><circle cx="18" cy="44" r="6" fill="#19b07b" opacity="0.2"></circle><circle cx="18" cy="44" r="6" stroke="#19b07b" stroke-width="1.5"></circle><circle cx="32" cy="44" r="6" fill="#19b07b" opacity="0.2"></circle><circle cx="32" cy="44" r="6" stroke="#19b07b" stroke-width="1.5"></circle><circle cx="46" cy="44" r="6" fill="#19b07b" opacity="0.2"></circle><circle cx="46" cy="44" r="6" stroke="#19b07b" stroke-width="1.5"></circle><path d="M32 28 L18 38" stroke="#19b07b" stroke-width="2"></path><path d="M32 28 L32 38" stroke="#19b07b" stroke-width="2"></path><path d="M32 28 L46 38" stroke="#19b07b" stroke-width="2"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">SM&CR Navigator</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Build your SM&CR framework step by step.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/tools/consumer-duty"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 64 64" fill="none" xmlns="http://www.w3.org/2000/svg" class="">
1<path d="M32 8 L48 16 L48 32 Q48 44 32 56 Q16 44 16 32 L16 16 Z" fill="#19b07b" opacity="0.1"></path><path d="M32 8 L48 16 L48 32 Q48 44 32 56 Q16 44 16 32 L16 16 Z" stroke="#19b07b" stroke-width="2"></path><circle cx="32" cy="28" r="4" fill="#19b07b"></circle><path d="M32 32 L32 40" stroke="#19b07b" stroke-width="2.5" stroke-linecap="round"></path><circle cx="32" cy="44" r="1.5" fill="#19b07b"></circle></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Consumer Duty Outcomes Checker</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Rapid assessment against the four outcomes.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/tools/consumer-duty-diagnostic"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 64 64" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><path d="M32 8 L48 16 L48 32 Q48 44 32 56 Q16 44 16 32 L16 16 Z" fill="#19b07b" opacity="0.1"></path><path d="M32 8 L48 16 L48 32 Q48 44 32 56 Q16 44 16 32 L16 16 Z" stroke="#19b07b" stroke-width="2"></path><circle cx="32" cy="28" r="4" fill="#19b07b"></circle><path d="M32 32 L32 40" stroke="#19b07b" stroke-width="2.5" stroke-linecap="round"></path><circle cx="32" cy="44" r="1.5" fill="#19b07b"></circle></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Consumer Duty Board Diagnostic</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Prepare your annual board report across seven areas.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/tools/vulnerability"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 64 64" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><path d="M32 8 L48 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stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/tools/financial-crime-assessment"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 64 64" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><rect x="12" y="42" width="8" height="14" rx="1" fill="#19b07b" opacity="0.3"></rect><rect x="22" y="32" width="8" height="24" rx="1" fill="#19b07b" opacity="0.5"></rect><rect x="32" y="20" width="8" height="36" rx="1" fill="#19b07b" opacity="0.7"></rect><rect x="42" y="28" width="8" height="28" rx="1" fill="#19b07b" opacity="0.6"></rect><path d="M8 12 L56 12" stroke="#19b07b" stroke-width="2" stroke-linecap="round"></path><path d="M52 8 L56 12 L52 16" stroke="#19b07b" stroke-width="2" stroke-linecap="round" 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1Fix A Regulatory Issue<svg width="12" height="12" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="opacity-60"><path d="M4 12h16M13 5l7 7-7 7" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span></a><div class="mt-2 space-y-0.5"><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/tools/fca-fines"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 64 64" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><rect x="12" y="42" width="8" height="14" rx="1" fill="#19b07b" opacity="0.3"></rect><rect x="22" y="32" width="8" height="24" rx="1" fill="#19b07b" opacity="0.5"></rect><rect x="32" y="20" width="8" height="36" rx="1" fill="#19b07b" opacity="0.7"></rect><rect x="42" y="28" width="8" height="28" rx="1" fill="#19b07b" opacity="0.6"></rect><path d="M8 12 L56 12" stroke="#19b07b" stroke-width="2" stroke-linecap="round"></path><path d="M52 8 L56 12 L52 16" stroke="#19b07b" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">FCA Fines Database</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Benchmark against 10+ years of enforcement actions.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/fca-complaints-handling"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 64 64" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><rect x="16" y="12" width="32" height="40" rx="2" fill="#19b07b" opacity="0.1"></rect><rect x="16" y="12" width="32" height="40" rx="2" stroke="#19b07b" stroke-width="2"></rect><path d="M22 22 L42 22" stroke="#19b07b" stroke-width="1.5"></path><path d="M22 28 L42 28" stroke="#19b07b" stroke-width="1.5"></path><path d="M22 34 L38 34" stroke="#19b07b" stroke-width="1.5"></path><path d="M22 40 L38 40" stroke="#19b07b" stroke-width="1.5"></path><circle cx="22" cy="46" r="1.5" fill="#19b07b"></circle><circle cx="28" cy="46" r="1.5" fill="#19b07b"></circle><circle cx="34" cy="46" r="1.5" fill="#19b07b"></circle></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Complaints Checker (DISP)</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Stay on track with DISP timelines and root-cause analysis.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a></div></div></div><div class="flex w-[280px] shrink-0 flex-col rounded-xl bg-gradient-to-br from-emerald-50 to-blue-50 p-5 ring-1 ring-emerald-100"><span class="flex h-11 w-11 items-center justify-center rounded-full bg-white text-emerald-600 shadow-sm"><svg width="22" height="22" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class=""><path d="M14.7 6.3a4 4 0 0 0-5 5.1l-5.4 5.4a1.5 1.5 0 0 0 0 2.1l0.8 0.8a1.5 1.5 0 0 0 2.1 0l5.4-5.4a4 4 0 0 0 5.1-5l-2.6 2.6-2-2 2.6-2.6z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5" stroke-linejoin="round"></path></svg></span>
1<p class="mt-4 text-lg font-bold leading-snug text-slate-900">Free regulatory tools, built by ex-regulators.</p><span class="mt-3 h-1 w-10 rounded bg-emerald-500"></span><p class="mt-3 text-sm leading-snug text-slate-600">Self-assess, benchmark and prepare for the FCA - no signup required.</p><a class="mt-5 inline-flex items-center justify-center gap-2 rounded-lg bg-emerald-600 px-4 py-2.5 text-sm font-semibold text-white transition hover:bg-emerald-700" href="/tools">Explore All Tools<!-- --> <svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class=""><path d="M4 12h16M13 5l7 7-7 7" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a></div></div><div class="border-t border-slate-100 px-6 py-3 text-center"><a class="inline-flex items-center gap-1 text-sm font-semibold text-emerald-600 transition hover:text-emerald-700" href="/tools">View all tools<!-- --> <svg width="14" height="14" 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max-w-[calc(100vw-2rem)] p-3"><div class="space-y-0.5"><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/why-mema"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><rect x="3" y="4" width="18" height="16" rx="2" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></rect><path d="M3 8h18" stroke="currentColor" stroke-width="1.5"></path><circle cx="12" cy="14" r="2" stroke="currentColor" stroke-width="1.5" fill="currentColor" opacity="0.3"></circle><path d="M8 14h8" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Why MEMA</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Our approach and what sets us apart.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/about-us"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><rect x="3" y="4" width="18" height="16" rx="2" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></rect><path d="M3 8h18" stroke="currentColor" stroke-width="1.5"></path><circle cx="12" cy="14" r="2" stroke="currentColor" stroke-width="1.5" fill="currentColor" opacity="0.3"></circle><path d="M8 14h8" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">About Us</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Our team and ex-regulator experience.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/about-us#team"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><rect x="3" y="4" width="18" height="16" rx="2" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></rect><path d="M3 8h18" stroke="currentColor" stroke-width="1.5"></path><circle cx="12" cy="14" r="2" stroke="currentColor" stroke-width="1.5" fill="currentColor" opacity="0.3"></circle><path d="M8 14h8" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Meet the Team</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">
1Meet the people behind MEMA.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/case-studies"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><path d="M3 3v16a2 2 0 0 0 2 2h16" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path><path d="M7 16l4-6 3 3 5-8" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><circle cx="7" cy="16" r="1.5" fill="currentColor"></circle><circle cx="11" cy="10" r="1.5" fill="currentColor"></circle><circle cx="14" cy="13" r="1.5" fill="currentColor"></circle><circle cx="19" cy="5" r="1.5" fill="currentColor"></circle></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Case Studies</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Client work, interventions and outcomes.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/reg-software"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 80 80" fill="none" xmlns="http://www.w3.org/2000/svg" class="" aria-hidden="true"><defs><linearGradient id="intel-grad-_R_dlkilb_" x1="0%" y1="0%" x2="100%" y2="100%"><stop offset="0%" stop-color="#2563eb"></stop><stop offset="100%" stop-color="#1d4ed8"></stop></linearGradient><linearGradient id="accent-grad-_R_dlkilb_" x1="0%" y1="0%" x2="100%" y2="100%"><stop offset="0%" stop-color="#60a5fa"></stop><stop offset="100%" stop-color="#2563eb"></stop></linearGradient></defs><path d="M 40 8 L 62 18 L 62 36 Q 62 52 40 68 Q 18 52 18 36 L 18 18 Z" fill="url(#intel-grad-_R_dlkilb_)" opacity="0.1"></path><path d="M 40 8 L 62 18 L 62 36 Q 62 52 40 68 Q 18 52 18 36 L 18 18 Z" stroke="url(#intel-grad-_R_dlkilb_)" stroke-width="2.5" fill="none"></path><path d="M 40 14 L 56 22 L 56 36 Q 56 48 40 60 Q 24 48 24 36 L 24 22 Z" fill="white" opacity="0.95"></path><text x="40" y="30" font-size="9" font-weight="800" fill="#1e40af" text-anchor="middle" letter-spacing="1">FCA</text><path d="M 32 42 L 37 48 L 50 34" stroke="#2563eb" stroke-width="3.5" stroke-linecap="round" stroke-linejoin="round" fill="none"></path><circle cx="40" cy="48" r="1.5" fill="#1d4ed8" opacity="0.4"></circle><circle cx="28" cy="28" r="1" fill="#2563eb" opacity="0.3"></circle><circle cx="52" cy="28" r="1" fill="#2563eb" opacity="0.3"></circle></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Regulatory Software</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">The tools and platforms we build.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a><a class="group/item flex items-center gap-3 rounded-lg px-3 py-2 transition hover:bg-emerald-50" href="/contact"><span class="flex h-9 w-9 shrink-0 items-center justify-center rounded-md bg-slate-50 text-emerald-600 transition group-hover/item:bg-white"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class=""><path d="M21 15a2 2 0 0 1-2 2H7l-4 4V5a2 2 0 0 1 2-2h14a2 2 0 0 1 2 2z" fill="currentColor" opacity="0.2" stroke="currentColor" stroke-width="1.5"></path><path d="M8 10h8M8 14h5" stroke="currentColor" stroke-width="1.5" stroke-linecap="round"></path></svg></span><span class="min-w-0 flex-1"><span class="block text-sm font-semibold leading-tight text-slate-900 transition group-hover/item:text-emerald-700">Contact</span><span class="mt-0.5 line-clamp-2 block text-xs leading-snug text-slate-500">Get in touch with the MEMA team.</span></span><svg width="16" height="16" fill="none" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" class="shrink-0 text-slate-300 opacity-0 transition group-hover/item:translate-x-0.5 group-hover/item:text-emerald-500 group-hover/item:opacity-100"><path d="M9 6l6 6-6 6" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></a></div></div></div></div></div></div><a class="ml-4 whitespace-nowrap rounded-lg bg-white px-6 py-2 font-semibold text-emerald-600 shadow-lg shadow-emerald-900/20 transition hover:bg-slate-100" href="/contact/consultation">Book a Free Scoping Call</a></div><button aria-label="Toggle menu" aria-expanded="false" class="p-2 text-slate-100 xl:hidden"><svg class="w-6 h-6" fill="none" stroke="currentColor" viewBox="0 0 24 24">
1<path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M4 6h16M4 12h16M4 18h16"></path></svg></button></div></div></nav><main class="min-h-screen"><main class="bg-slate-50"><div class="mx-auto max-w-5xl px-4 py-16 sm:px-6 lg:px-8"><div class="mb-10 text-center"><p class="text-sm font-semibold uppercase tracking-wide text-emerald-600">MEMA Access</p><h1 class="mt-2 text-3xl font-bold text-slate-900">Sign in to your portal</h1><p class="mt-3 text-base text-slate-600">Choose the right login for clients or MEMA team members.</p></div><div class="grid gap-6 md:grid-cols-2"><div class="rounded-2xl border border-slate-200 bg-white p-6 shadow-sm shadow-slate-200/70"><h2 class="text-xl font-semibold text-slate-900">Client Portal</h2><p class="mt-2 text-sm text-slate-600">View your projects, documents, and messages.</p><div class="mt-4"><a class="inline-flex items-center justify-center rounded-lg bg-emerald-600 px-4 py-2 text-sm font-semibold text-white transition 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font-bold">Ready to get FCA authorised?</h3><p class="mt-2 max-w-xl text-slate-300">Book a free scoping call with our ex-regulator team and get a clear route to approval.</p><ul class="mt-4 flex flex-wrap gap-x-6 gap-y-2 text-sm text-slate-300"><li class="flex items-center gap-2"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 512 512" class="h-4 w-4 flex-shrink-0 text-emerald-400" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z"></path></svg>Operating since 2019</li><li class="flex items-center gap-2"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 512 512" class="h-4 w-4 flex-shrink-0 text-emerald-400" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z"></path></svg>100+ firms authorised</li><li class="flex items-center gap-2"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 512 512" class="h-4 w-4 flex-shrink-0 text-emerald-400" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z"></path></svg><a class="underline underline-offset-2 transition hover:text-white" href="/about-us#founders">Led by ex-FCA regulators</a></li></ul></div></div><div class="flex flex-col items-start gap-5 lg:items-end"><a class="inline-flex items-center justify-center gap-2 rounded-lg bg-emerald-500 px-6 py-3 font-semibold text-white transition-colors hover:bg-emerald-600" href="/contact/consultation">Book a Free Scoping Call<svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="h-3.5 w-3.5" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z"></path></svg></a><div class="flex flex-wrap items-center gap-3"><a href="https://apcc.org.uk/" target="_blank" rel="noopener noreferrer" title="APCC Member" aria-label="APCC Member" class="flex h-12 items-center rounded-lg bg-white px-3 shadow-sm ring-1 ring-black/5 transition hover:shadow-md"><img src="/logos/apcc-official.png" alt="Association of Professional Compliance Consultants (APCC) member" class="h-6 w-auto object-contain"/></a><a href="https://www.consumerduty.org/" target="_blank" rel="noopener noreferrer" title="Consumer Duty Alliance Affiliate" aria-label="Consumer Duty Alliance Affiliate" class="flex h-12 items-center rounded-lg bg-white px-3 shadow-sm ring-1 ring-black/5 transition hover:shadow-md"><img src="/logos/consumer-duty-alliance.svg" alt="Consumer Duty Alliance Affiliate" class="h-9 w-auto object-contain"/></a></div></div></div></div><div class="mx-auto max-w-7xl px-4 py-12 sm:px-6 lg:px-8"><div class="grid grid-cols-2 gap-x-8 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1MEMA</span><span class="text-xs font-semibold uppercase tracking-[0.28em] text-slate-500">Consultants</span></a><div class="mt-3 h-0.5 w-10 rounded bg-emerald-500"></div><p class="mt-4 text-sm text-slate-600">Expert FCA authorisation and regulatory compliance consulting for UK financial services.</p><div class="mt-5 space-y-2.5 text-sm text-slate-600"><p class="flex items-start gap-2.5"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 384 512" class="mt-0.5 h-4 w-4 flex-shrink-0 text-emerald-500" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M172.268 501.67C26.97 291.031 0 269.413 0 192 0 85.961 85.961 0 192 0s192 85.961 192 192c0 77.413-26.97 99.031-172.268 309.67-9.535 13.774-29.93 13.773-39.464 0zM192 272c44.183 0 80-35.817 80-80s-35.817-80-80-80-80 35.817-80 80 35.817 80 80 80z"></path></svg><span>Office 1810a, 60 Tottenham Court Road, Fitzrovia, London, W1T 2EW</span></p><p class="flex items-center gap-2.5"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 512 512" class="h-4 w-4 flex-shrink-0 text-emerald-500" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M493.4 24.6l-104-24c-11.3-2.6-22.9 3.3-27.5 13.9l-48 112c-4.2 9.8-1.4 21.3 6.9 28l60.6 49.6c-36 76.7-98.9 140.5-177.2 177.2l-49.6-60.6c-6.8-8.3-18.2-11.1-28-6.9l-112 48C3.9 366.5-2 378.1.6 389.4l24 104C27.1 504.2 36.7 512 48 512c256.1 0 464-207.5 464-464 0-11.2-7.7-20.9-18.6-23.4z"></path></svg><a href="tel:+443301330811" class="transition hover:text-emerald-500">0330 133 0811</a></p><p class="flex items-center gap-2.5"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 512 512" class="h-4 w-4 flex-shrink-0 text-emerald-500" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z"></path></svg><a href="mailto:[email protected]" class="transition hover:text-emerald-500">[email protected]</a></p></div><a href="https://uk.linkedin.com/company/mema-consultants-ltd" target="_blank" rel="noopener noreferrer" aria-label="MEMA Consultants on LinkedIn" class="mt-4 inline-flex h-9 w-9 items-center justify-center rounded-full bg-slate-100 text-slate-500 transition hover:bg-emerald-500 hover:text-white"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="h-4 w-4" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z"></path></svg></a></div><div><h4 class="mb-1 font-semibold text-slate-900">Services</h4><div class="mb-4 h-0.5 w-8 rounded bg-emerald-500"></div><ul class="space-y-2 text-sm text-slate-600"><li><a class="transition hover:text-emerald-500" href="/fca-authorisation">FCA Authorisation</a></li><li><a class="transition hover:text-emerald-500" href="/fca-compliance-consultants">Compliance Outsourcing</a></li><li><a class="transition hover:text-emerald-500" href="/senior-managers-and-certification-regime">SMCR Implementation</a></li><li><a class="transition hover:text-emerald-500" href="/services/consumer-duty">Consumer Duty</a></li><li><a class="transition hover:text-emerald-500" href="/financial-crime">Financial Crime & AML</a></li><li><a class="transition hover:text-emerald-500" href="/compliance-monitoring-programme">Compliance Monitoring</a></li><li><a class="transition hover:text-emerald-500" href="/fca-interview-preparation">Interview Preparation</a></li><li><a class="transition hover:text-emerald-500" href="/regulatory-perimeter-assessment">Perimeter Assessment</a></li><li><a class="transition hover:text-emerald-500" href="/limited-permission-credit-broking">Limited-Permission Credit Broking</a></li></ul></div><div><h4 class="mb-1 font-semibold text-slate-900">Free Tools</h4><div class="mb-4 h-0.5 w-8 rounded bg-emerald-500"></div><ul class="space-y-2 text-sm text-slate-600">
1<li><a class="transition hover:text-emerald-500" href="/tools/perimeter-assessment">Free Perimeter Assessment</a></li><li><a class="transition hover:text-emerald-500" href="/tools/will-the-fca-authorise-us">Will the FCA Authorise Us?</a></li><li><a class="transition hover:text-emerald-500" href="/tools/fca-calculator">FCA Fee Calculator</a></li><li><a class="transition hover:text-emerald-500" href="/tools/fca-fines">RegActions Enforcement Database</a></li><li><a class="transition hover:text-emerald-500" href="/tools/vulnerability">Vulnerability Checker</a></li><li><a class="transition hover:text-emerald-500" href="/tools/smcr">SMCR Assessment</a></li><li><a class="transition hover:text-emerald-500" href="/tools/fca-authorisation-checklist">Auth Readiness Checklist</a></li></ul></div><div><h4 class="mb-1 font-semibold text-slate-900">Resources</h4><div class="mb-4 h-0.5 w-8 rounded bg-emerald-500"></div><ul class="space-y-2 text-sm text-slate-600"><li><a class="transition hover:text-emerald-500" href="/resources/insights">Insights & Analysis</a></li><li><a class="transition hover:text-emerald-500" href="/resources/explainers">FCA Explainers</a></li><li><a class="transition hover:text-emerald-500" href="/resources/compare">Compare Options</a></li><li><a class="transition hover:text-emerald-500" href="/resources/guides">Guides & Templates</a></li><li><a class="transition hover:text-emerald-500" href="/resources/library">Downloads Library</a></li><li><a class="transition hover:text-emerald-500" href="/resources/news">Regulatory Intelligence</a></li></ul></div><div><h4 class="mb-1 font-semibold text-slate-900">About MEMA</h4><div class="mb-4 h-0.5 w-8 rounded bg-emerald-500"></div><ul class="space-y-2 text-sm text-slate-600"><li><a class="transition hover:text-emerald-500" href="/why-mema">Why MEMA</a></li><li><a class="transition hover:text-emerald-500" href="/about-us">About Us</a></li><li><a class="transition hover:text-emerald-500" href="/about-us#team">Meet the Team</a></li><li><a class="transition hover:text-emerald-500" href="/case-studies">Case Studies</a></li><li><a class="transition hover:text-emerald-500" href="/reg-software">Regulatory Software</a></li><li><a class="transition hover:text-emerald-500" href="/contact">Contact</a></li><li><a class="transition hover:text-emerald-500" href="/login">Login</a></li></ul></div><div class="col-span-2 md:col-span-3 lg:col-span-1"><div><h4 class="mb-1 font-semibold text-slate-900">Trusted Memberships</h4><div class="mb-4 h-0.5 w-8 rounded bg-emerald-500"></div><div class="flex flex-col gap-3"><a href="https://apcc.org.uk/" target="_blank" rel="noopener noreferrer" class="flex items-center gap-3 rounded-xl border border-slate-200 bg-white px-4 py-3 shadow-sm transition hover:shadow-md"><img src="/logos/apcc-official.png" alt="Association of Professional Compliance Consultants (APCC) member" class="h-6 w-auto object-contain"/><span class="text-sm font-medium text-slate-600">Member</span></a><a href="https://www.consumerduty.org/" target="_blank" rel="noopener noreferrer" class="flex items-center gap-3 rounded-xl border border-slate-200 bg-white px-4 py-3 shadow-sm transition hover:shadow-md"><img src="/logos/consumer-duty-alliance.svg" alt="Consumer Duty Alliance Affiliate" class="h-9 w-auto object-contain"/><span class="text-sm font-medium text-slate-600">Affiliate</span></a><a href="https://ico.org.uk/ESDWebPages/DoSearch/1018109" target="_blank" rel="noopener noreferrer" class="flex items-center gap-3 rounded-xl border border-slate-200 bg-white px-4 py-3 shadow-sm transition hover:shadow-md"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 512 512" aria-hidden="true" class="mt-0.5 h-5 w-5 flex-shrink-0 text-emerald-600" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M466.5 83.7l-192-80a48.15 48.15 0 0 0-36.9 0l-192 80C27.7 91.1 16 108.6 16 128c0 198.5 114.5 335.7 221.5 380.3 11.8 4.9 25.1 4.9 36.9 0C360.1 472.6 496 349.3 496 128c0-19.4-11.7-36.9-29.5-44.3zM256.1 446.3l-.1-381 175.9 73.3c-3.3 151.4-82.1 261.1-175.8 307.7z"></path></svg><div class="min-w-0"><p class="text-sm font-semibold text-slate-900">ICO</p><p class="text-xs leading-snug text-slate-500">
1Registered with the Information Commissioner's Office</p></div></a><div class="flex items-center gap-3 rounded-xl border border-slate-200 bg-white px-4 py-3 shadow-sm transition hover:shadow-md"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 512 512" aria-hidden="true" class="mt-0.5 h-5 w-5 flex-shrink-0 text-emerald-600" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M466.5 83.7l-192-80a48.15 48.15 0 0 0-36.9 0l-192 80C27.7 91.1 16 108.6 16 128c0 198.5 114.5 335.7 221.5 380.3 11.8 4.9 25.1 4.9 36.9 0C360.1 472.6 496 349.3 496 128c0-19.4-11.7-36.9-29.5-44.3zM256.1 446.3l-.1-381 175.9 73.3c-3.3 151.4-82.1 261.1-175.8 307.7z"></path></svg><div class="min-w-0"><p class="text-sm font-semibold text-slate-900">MEMA Financial Services Ltd</p><p class="text-xs leading-snug text-slate-500">Registered with the FCA as a Small Payment Institution</p></div></div></div></div></div></div><div class="border-t border-slate-200 pt-7 mt-12"><div class="flex flex-col gap-5 lg:flex-row lg:items-center lg:justify-between"><div><h3 class="text-base font-semibold text-slate-900">The weekly regulatory briefing</h3><p class="mt-1 max-w-lg text-sm text-slate-600">What the FCA published this week, what it means for your permissions, and what needs doing. One email a week, unsubscribe in a click.</p></div><form class="w-full lg:w-[24rem]"><div class="flex gap-2"><label for="footer-row-email" class="sr-only">Email address</label><input id="footer-row-email" type="email" placeholder="[email protected]" required="" autoComplete="email" class="min-w-0 flex-1 rounded-lg border border-slate-300 bg-white px-3.5 py-2.5 text-sm focus:border-emerald-500 focus:outline-none focus:ring-1 focus:ring-emerald-500" value=""/><button type="submit" class="shrink-0 rounded-lg bg-emerald-600 px-5 py-2.5 text-sm font-semibold text-white transition hover:bg-emerald-500 disabled:opacity-50">Subscribe</button></div><input type="text" tabindex="-1" autoComplete="off" aria-hidden="true" class="absolute -left-[10000px] h-px w-px overflow-hidden" name="website"/><div class="w-full overflow-hidden rounded-md" aria-label="Security check"><div id="newsletter-turnstile-_R_2l6lb_"></div></div><p class="mt-2 text-xs text-slate-500">We will email you to confirm. See our<!-- --> <a href="/privacy" class="underline">privacy policy</a>.</p></form></div></div><div class="mt-10 flex flex-col gap-4 border-t border-slate-200 pt-6 text-sm text-slate-500 lg:flex-row lg:items-center lg:justify-between"><p><span class="font-semibold text-slate-700">Part of the MEMA Group:</span> <span><span class="text-slate-600">MEMA Consultants<span class="text-slate-400"> (this site)</span></span></span><span><span class="px-1.5 text-slate-300">·</span><span>MEMA Financial Services</span></span><span><span class="px-1.5 text-slate-300">·</span><span>MEMA Technology</span></span><span><span class="px-1.5 text-slate-300">·</span><a href="https://nasaraconnect.com" target="_blank" rel="noopener noreferrer" class="transition hover:text-emerald-600">Nasara Connect</a></span></p><div class="flex flex-wrap items-center gap-x-5 gap-y-2"><a class="transition hover:text-emerald-500" href="/privacy">Privacy Policy</a><a class="transition hover:text-emerald-500" href="/terms">Terms of Service</a><a class="transition hover:text-emerald-500" href="/cookies">Cookie Policy</a><a class="transition hover:text-emerald-500" href="/cookies#cookie-settings">Cookie settings</a><span>© <!-- -->2026<!-- --> MEMA Consultants. All rights reserved.</span></div></div></div></footer><div class="fixed bottom-6 right-6 z-[60] hidden md:block"><button type="button" class="flex items-center gap-3 rounded-full bg-emerald-500 px-6 py-3 text-sm font-semibold text-white shadow-lg shadow-emerald-900/40 transition hover:bg-emerald-400 focus:outline-none focus-visible:ring-2 focus-visible:ring-white/70"><span>FCA Handbook Explainer</span></button></div><div class="fixed bottom-4 left-4 right-4 z-[60] md:hidden"><button type="button" class="flex w-full items-center justify-between rounded-2xl bg-emerald-500 px-4 py-3 text-sm font-semibold text-white shadow-lg shadow-emerald-900/40 transition hover:bg-emerald-400 focus:outline-none focus-visible:ring-2 focus-visible:ring-white/70"><span>MEMA FCA Explainer</span></button></div>
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