Claims management companies: our regulation

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class="views-element-container form-group"><div class="megamenu-promo view view-megamenu-promo-content view-id-megamenu_promo_content view-display-id-block js-view-dom-id-c1d245c5dc0b4de42649830319adc9222c03a949c083002870a6ef5afdcb20ba"> <h3 class="promo-block__title heading__underline">Contact us</h3> <div class="view-content"> <div class="views-row"><div class="promo-block__copy"><p>Get in touch by phone, via our online form, or by post:</p> <p> </p> <p>Financial Conduct Authority<br> 12 Endeavour Square<br> London E20 1JN</p> <p> </p> </div><a href="/contact" class="promo-block__read-more btn btn--arrow-right" aria-label="Contact us - Contact us">Contact us</a></div> </div> </div> </div> <div class="megamenu-categories"> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">What we do</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-8b5e36238eab8ddb79e230a72cc9c61f930148915de16392c7f1b5f5788082c9"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/about/what-we-do/the-fca" hreflang="en">About the FCA</a></li> <li class="menu--item"><a href="/about/what-we-do/enhancing-market-integrity" hreflang="en">Enhancing market integrity</a></li> <li class="menu--item"><a href="/about/how-we-work-menu" hreflang="en">How we work</a></li> <li class="menu--item"><a href="/about/what-we-do/promoting-competition" hreflang="en">Promoting competition</a></li> <li class="menu--item"><a href="/about/what-we-do/protecting-consumers" hreflang="en">Protecting consumers</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">How we regulate</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-0c2d797d2e3e895da161f64c4a1e9efa6d34ee07ed706696517dc17a8a0d73dc"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/authorisation-menu" hreflang="en">Authorisation</a></li> <li class="menu--item"><a href="/about/how-we-regulate/enforcement" hreflang="en">Enforcement</a></li> <li class="menu--item"><a href="/about/how-we-regulate/handbook" hreflang="en">Handbook of rules and guidance</a></li> <li class="menu--item"><a href="/about/how-we-regulate/international-standards-regulations" hreflang="en">International standards and regulations</a></li> <li class="menu--item"><a href="/about/how-we-regulate/supervision" hreflang="en">Supervision</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">How we operate</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-5c2aff4aa12360c9b335e09916cd034c662038cce2cf1531429bb16de39d6384"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/about/how-we-operate/complain-about-regulators" hreflang="en">Complain about us, the PRA or the Bank of England (the regulators)</a></li> <li class="menu--item"><a href="/about/how-we-operate/corporate-responsibility" hreflang="en">Corporate responsibility</a></li> <li class="menu--item"><a href="/about/how-we-operate/diversity-equity-inclusion" hreflang="en">Diversity, equity and inclusion</a></li> <li class="menu--item"><a href="/about/how-we-operate/environmental-sustainability" hreflang="en">Environmental sustainability</a></li> <li class="menu--item"><a href="/about/how-we-operate/who-work-with" hreflang="en">Who we work with</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Who we are</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-0f3dad6abca002b3316007b060a618ec223e207532eb95485cc42be303b1c360"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/about/who-we-are/chair" hreflang="en">Chair</a></li> <li class="menu--item"><a href="/about/who-we-are/chief-executive" hreflang="en">Chief Executive</a></li> <li class="menu--item"><a href="/about/who-we-are/committees" hreflang="en">Committees</a></li> <li class="menu--item"><a href="/about/who-we-are/executive-committees" hreflang="en">Executive committees</a></li> <li class="menu--item"><a href="/about/who-we-are/fca-board" hreflang="en">FCA Board</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Join us</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-b4f2dddff003c394eac194cb5f609606b88cc6d9da19a8e642a417fa11dd2939"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/careers-home" hreflang="en">Careers home</a></li> <li class="menu--item"><a href="/careers/early-careers" hreflang="en">Early careers</a></li> <li class="menu--item"><a href="/careers/experienced-professionals" hreflang="en">Experienced professionals</a></li> </ul> </div> </div> </div> </div> </div> <div class="views-element-container form-group"><div class="megamenu-footer view view-megamenu-footer view-id-megamenu_footer view-display-id-block js-view-dom-id-03eea32a75372eb99bdedf234a60c4339ba98546359e45d38975807b81268dd2"> </div> </div> <button tabindex="0" aria-label="Close menu link" class="megamenu__close btn--close text-hide hidden-xs js-megamenu-close">Close menu</button> </div> </div> </div> </div> </li> <li class="active active-trail tb-megamenu-item level-1 mega dropdown col-xs-12 col-sm-2 mega-menu__level-one-item mega-menu__firms"> <a href="/firms" class="dropdown-toggle mega-menu__level-one-link active-trail" data-drupal-link-system-path="node/2886">Firms</a> <div class="megamenu__menu view view-megamenu-block view-id-megamenu_block view-display-id-megamenu_block_contextual dropdown-menu mega-menu__level-two-wrapper"> <div class="view-content"> <div class="container"> <div class="row"> <div class="views-element-container form-group"><div class="megamenu-promo view view-megamenu-promo-content view-id-megamenu_promo_content view-display-id-block js-view-dom-id-99c11154d9217d1db8980ffeb4e2383ab64c24cb1f04b5f48ba1a99fae49fac1"> <h3 class="promo-block__title heading__underline">Firms overview</h3> <div class="view-content"> <div class="views-row"><div class="promo-block__copy"><p>Go to our dedicated section to see support for firms and our latest policy updates.</p> <p> </p> </div><a href="/firms" class="promo-block__read-more btn btn--arrow-right" aria-label="Firms overview - Find out more">Find out more</a></div> </div> </div> </div> <div class="megamenu-categories"> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><a href="/firms/authorisation" hreflang="en">Firm authorisation</a></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-2a58c3f45e4a60f6542ba735c3eee5a884ff169f9ec6147db536c2317cba8c72"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/firms/authorisation" hreflang="en">Authorisation</a></li> <li class="menu--item"><a href="/firms/authorisation/cancel" hreflang="en">Cancelling an authorisation or registration</a></li> <li class="menu--item"><a href="/firms/check-if-firm-authorised" hreflang="en">Check if a firm is authorised</a></li> <li class="menu--item"><a href="/firms/authorisation/apply" hreflang="en">How to apply for authorisation or registration</a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Regulated firms</span></h4><div class="megamenu__menu view view-megamenu-block view-id-megamenu_block view-display-id-megamenu_firms_types js-view-dom-id-ee55ac1397f505926ca5d8dc03da07470f6c074fbfa1cb7352b066bc38438f0f dropdown-menu mega-menu__level-two-wrapper"> <div class="view-content"> <div class="container"> <div class="row"> <div class="megamenu-categories"> <div class="item-list firms-types"> <ul> <li class="menu--item"><a href="/firms" hreflang="en">All firms</a></li> <li class="menu--item"><a href="/firms/claims-management-companies" hreflang="en">Claims management companies</a></li> <li class="menu--item"><a href="/firms/consumer-credit" hreflang="en">Consumer credit firms</a></li> <li class="menu--item"><a href="/firms/electronic-money-payment-institutions" hreflang="en">Electronic money and payment institutions</a></li> <li class="menu--item"><a href="/firms/funeral-plan-providers-intermediaries" hreflang="en">Funeral plan providers and intermediaries</a></li> <li class="menu--item"><a href="/firms/innovation" hreflang="en">Innovation Hub</a></li> <li class="menu--item"><a href="/firms/mutual-societies" hreflang="en">Mutual societies</a></li> </ul> </div> </div> <button tabindex="0" aria-label="Close menu link" class="megamenu__close btn--close text-hide hidden-xs js-megamenu-close">Close menu</button> </div> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link">Tasks for firms</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-a8b43f40656a43bda49f61ed0a6c6a9f0c9406aa82db1bb6cdc4c8317435ac6e"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/firms/approved-persons" hreflang="en">Approved persons</a></li> <li class="menu--item"><a href="/firms/change-control" hreflang="en">Change in control</a></li> <li class="menu--item"><a href="/firms/fees" hreflang="en">Fees and levies</a></li> <li class="menu--item"><a href="/firms/firm-details" hreflang="en">Keeping your firm's details up to date</a></li> <li class="menu--item"><a href="/firms/appointed-representatives-principals" hreflang="en">Principals and appointed representatives </a></li> </ul> </div> </div> </div> </div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><a href="/firms/consumer-duty" hreflang="en">Focus areas</a></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-84ab7f436d9decab03b02a99f17cd63ee8ef09074295e9cf069809c1f7973e04"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/firms/consumer-duty" hreflang="en">Consumer Duty</a></li> <li class="menu--item"><a href="/firms/cost-living-firm-information" hreflang="en">Cost of living: firm information</a></li> <li class="menu--item"><a href="/firms/cryptoassets-information" hreflang="en">Cryptoassets</a></li> <li class="menu--item"><a href="/firms/access-to-cash" hreflang="en">Helping people access cash</a></li> <li class="menu--item"><a href="/firms/regulatory-framework-reforms" hreflang="en">Regulatory framework reforms</a></li> <li class="menu--item"><a href="/firms/senior-managers-certification-regime" hreflang="en">Senior Managers and Certification Regime </a></li> </ul> </div> </div> </div> </div> </div> <div class="views-element-container form-group"><div class="megamenu-footer view view-megamenu-footer view-id-megamenu_footer view-display-id-block js-view-dom-id-4a4b6749844a48d9e5caa18ae129c5ba4b21e6fcecbd6337b2e836e7d0f6fec3"> <div class="view-content"> <div style="background-image: url(https://www.fca.org.uk/sites/default/files/styles/no_style/public/media/images/megamenu-banner-consumer-duty-350_78.jpg?itok=5eIJffZC);" class="megamenu-footer__image" > </div> <div class="views-row"><div class="megamenu-footer__copy"><p class="megamenu-footer__title">Consumer Duty </p> <p>We're hosting events to help firms prepare for the new rules. Sign up to hear about these and related communications.</p> </div><a href="/sign-consumer-duty-email-updates" class="megamenu-footer__read-more btn btn--arrow-right" aria-label="Consumer Duty - Sign up">Sign up</a></div> </div> </div> </div> <button tabindex="0" aria-label="Close menu link" class="megamenu__close btn--close text-hide hidden-xs js-megamenu-close">Close menu</button> </div> </div> </div> </div> </li> <li class="tb-megamenu-item level-1 mega dropdown col-xs-12 col-sm-2 mega-menu__level-one-item mega-menu__markets"> <a href="/markets" class="dropdown-toggle mega-menu__level-one-link" data-drupal-link-system-path="node/2891">Markets</a> <div class="megamenu__menu view view-megamenu-block view-id-megamenu_block view-display-id-megamenu_block_contextual dropdown-menu mega-menu__level-two-wrapper"> <div class="view-content"> <div class="container"> <div class="row"> <div class="views-element-container form-group"><div class="view view-megamenu-promo-content 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class="highlighted"> <div class="region region-highlighted"> <div data-drupal-messages-fallback class="hidden"></div> </div> </div> <a id="main-content"></a> <div class="region region-content"> <div class="container container-header--fca-innovation "> <div class="row row--relative"> <div data-history-node-id="53451" about="/firms/claims-management-regulation" class="article-header col-xs-12 four-step-limit col-sm-9"> <h1 class="page-header"> <span>Claims management companies: our regulation</span> </h1> <div class="article-meta "> <span class="pubdate">First published: <time datetime="2018-12-17T13:15:00Z">17/12/2018</time> </span> <span class="pubdate latest">Last updated: <span class="date">06/02/2023</span></span> <span class="revisions"><a href="#revisions">See all updates</a></span> </div> </div> </div> </div> <div class="container"> <div class="row"> <article data-history-node-id="53451" about="/firms/claims-management-regulation" class="article-header col-xs-12 four-step-limit col-sm-9 has-sidebar clearfix article-content--fca-innovation article-content--firms"> <div class="node-content__wrapper node-content__wrapper--border"> <section class="copy-highlighted copy-block component fca-colour--6c1d45 fca-innovation"> <div class="container"> <p>On 1 April 2019, we became the regulator of claims management companies (CMCs). Learn about regulation and activities needing FCA approval.</p> </div> </section> <div class="rhn__on-this-page visible-xs rhn__on-this-page--firms"> <button class="rhn__button"> <h2 class="h3">On this page <img src="/themes/custom/fca/images/document-blue.svg" alt=""></h2> </button> <ul class="nav navbar-nav"><li><a href="#section-about-the-fca-regime">About the FCA regime</a></li><li><a href="#section-who-needs-to-be-authorised">Who needs to be authorised</a></li><li><a href="#section-firms-previously-regulated-by-cmr">Firms previously regulated by CMR</a></li><li><a href="#section-firms-entering-regulation-for-first-time">Firms entering regulation for first time</a></li><li><a href="#section-cmcs-already-fca-authorised">CMCs already FCA-authorised</a></li></ul> </div> <section class="copy-block fca-innovation"> <div class="container"> <p>The focus of our regulation of claims management companies is on driving up standards of conduct and boosting consumer protection. We want CMCs to be trusted providers of high quality, good value services that help people pursue legitimate claims for redress.</p> <p>We have 3 main areas of focus:</p> <ul> <li><strong>Customers </strong>– We want customers to be empowered and confident in choosing a value-for-money service which is appropriate for their needs.</li> <li><strong>CMCs </strong>– We want CMCs to help customers secure redress in a way that complies with our rules and be authorised so that they meet a common set of standards.</li> <li><strong>Regulatory </strong>– We want to regulate in a way which prioritises high standards of conduct and improves public confidence in claims management services.</li> </ul> <p>There is a significant shift in the kind of regulation firms will now face. Under the FCA, there will be some rules and requirements that will be similar to the former regulator’s rules and requirements.</p> <ul> </ul> </div> </section> <section id="section-about-the-fca-regime" class="copy-block fca-innovation"> <div class="container"> <h2>About the FCA regime</h2> <p>It is important to make sure your firm can meet and maintain our standards, and is able to cope with the changes. This will be necessary whether you have been authorised for a long time, or whether you are entering regulation for the first time (eg, firms operating solely in Scotland, or firms who solely handle claims in relation to Section 75 of the Consumer Credit Act). There are several elements to the FCA’s regime that you need to be familiar with. These are explained in more detail:</p> <h3>Entering FCA regulation</h3> <ul> <li><a href="/firms/claims-management-regulation/temporary-permission">temporary permission</a></li> <li><a href="#Enteringclaims">firms entering claims management regulation for the first time</a> </li> <li><a href="/firms/claims-management-regulation/fees">fees that CMCs will need to pay</a></li> </ul> <h3>Full authorisation</h3> <ul> <li><a href="/firms/claims-management-regulation/apply-fca-authorisation">apply for FCA authorisation</a></li> <li><a href="#CMCFCA">CMCs already authorised by the FCA</a></li> </ul> <h3>Our rules</h3> <ul> <li><a href="/firms/claims-management-regulation/how-we-will-authorise-regulate">FCA standards and rules</a></li> <li><a href="/publications/policy-statements/ps19-9-applying-senior-managers-and-certification-regime-claims-management-companies">personal accountability of individuals</a></li> </ul> <h3>After authorisation</h3> <ul> <li>what happens after a firm is authorised</li> <li><a href="/firms/claims-management-regulation/complaints">complaints about CMCs</a></li> </ul> </div> </section> <section id="section-who-needs-to-be-authorised" class="copy-block fca-innovation"> <div class="container"> <h2>Who needs to be authorised</h2> <p>Some activities you may want to carry out as part of your business now require you by law to have approval from the FCA. Different types of activity may require different ‘permissions’. </p> <p>You may see the terms ‘permission’ and ‘authorisation’.  Authorisation is the process you will go through for the FCA to grant you permission to carry out regulated activities. See <a href="/firms/claims-management-regulation/apply-fca-authorisation">how to apply for authorisation</a>.</p> <p>Any claims management company constituted under law of part of Great Britain (ie, England, Wales and Scotland) or serving customers in Great Britain must have permission to carry out regulated activities by the FCA.</p> <p>Under the regime operated by the Claims Management Regulator (CMR), there was a single permission for all regulated claims management activity across 6 sectors. This means an authorised CMC can do any regulated activity in any of the 6 sectors: </p> <ul> <li>financial services and products</li> <li>personal injury</li> <li>housing disrepair</li> <li>specified benefit</li> <li>criminal injury</li> <li>employment</li> </ul> <p>One of the main changes of the transition to the FCA is that there are 7 separate permissions in total:</p> <ul> <li>1 permission for lead-generation activities (irrespective of the CMC sector), and</li> <li>1 permission for each sector listed above (6 in total) covering the activities of: <ul> <li>advising a claimant</li> <li>investigating a claim</li> <li>representing a claimant</li> </ul> </li> </ul> <p>Depending on which activities the firm performs, and in which sector they bring claims, some CMCs may only need 1 permission, but others may require several.</p> </div> </section> <section id="section-firms-previously-regulated-by-cmr" class="copy-block fca-innovation"> <div class="container"> <h2>Firms previously regulated by CMR</h2> <p>CMCs previously regulated by the CMR, and that wished to continue trading, had to register for temporary permission by 31 March 2019. Firms that registered must now apply for authorisation in 1 of 2 application periods. See our <a href="/firms/claims-management-regulation/apply-fca-authorisation">authorisation page</a> to find out more.</p> </div> </section> <section id="section-firms-entering-regulation-for-first-time" class="copy-block fca-innovation"> <div class="container"> <h2><a id="Enteringclaims" name="Enteringclaims"></a>Firms entering claims management regulation for the first time</h2> <p>The laws that were created to transfer regulation of claims management to the FCA also made some changes to which firms are regulated. This means some firms will be entering regulation for the first time. This mostly relates to:</p> <ul> <li><strong>firms that are incorporated in Scotland, and only serve Scottish customers, or</strong></li> <li><strong>firms that only handle claims about Section 75 of the Consumer Credit Act 1974</strong></li> </ul> <p>These firms had to register with us for temporary permission to continue operating by 31 March 2019.</p> <p>They must now apply for authorisation in application period 1, which will be open from 1 April to 31 May 2019. This is when we will assess whether or not the firm meets our requirements and conduct standards.</p> <ul> <li><strong>firms that wish to start claims management activity from 1 April 2019</strong></li> </ul> <p>These firms will need to submit their application to the the FCA, paying 1 application fee. This means that they must not perform any regulated activity until their application has been determined.</p> </div> </section> <section id="section-cmcs-already-fca-authorised" class="copy-block fca-innovation"> <div class="container"> <h2><a id="CMCFCA" name="CMCFCA"></a>CMCs that are already authorised by the FCA</h2> <p>Firms already authorised by the FCA (firms with Part 4A permissions) will need to apply for a variation of permission (VoP) to add claims management as a permission.</p> <p>These firms only pay 50% of the application fee, because we have already established that they have satisfied our Threshold Conditions (the minimum standards for authorisation), reducing our authorisations process.</p> <p>You will have to apply for VoP in the correct application period, otherwise you'll lose your temporary permission for CMC activity. 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href="#section-who-needs-to-be-authorised">Who needs to be authorised</a></li><li><a href="#section-firms-previously-regulated-by-cmr">Firms previously regulated by CMR</a></li><li><a href="#section-firms-entering-regulation-for-first-time">Firms entering regulation for first time</a></li><li><a href="#section-cmcs-already-fca-authorised">CMCs already FCA-authorised</a></li></ul> </div> <br> <div class="rhn__block"> <div class="rhn__header"> <h2 class="h5 rhn__header--title">In this section</h2> </div> <div class="view view-sidebar-in-this-section-published view-id-sidebar_in_this_section_published view-display-id-published"> <div class="rhn__items"> <div class="views-row"><div class="views-field views-field-nid"><span class="field-content"><div class="rhn__item"><a href="/firms/claims-management-regulation/temporary-permission">Temporary permission</a></div></span></div></div> <div class="views-row"><div class="views-field views-field-nid"><span class="field-content"><div class="rhn__item"><a href="/firms/claims-management-regulation/fees">CMCs: fees</a></div></span></div></div> <div class="views-row"><div class="views-field views-field-nid"><span class="field-content"><div class="rhn__item"><a href="/firms/claims-management-regulation/apply">Apply to become a claims management company</a></div></span></div></div> <div class="views-row"><div class="views-field views-field-nid"><span class="field-content"><div class="rhn__item"><a href="/firms/claims-management-regulation/how-we-will-authorise-regulate">CMCs: how we will authorise and regulate firms</a></div></span></div></div> <div class="views-row"><div class="views-field views-field-nid"><span class="field-content"><div class="rhn__item"><a href="/firms/claims-management-regulation/complaints">Complaints about CMCs</a></div></span></div></div> <div class="views-row"><div class="views-field views-field-nid"><span class="field-content"><div class="rhn__item"><a href="/firms/claims-management-companies-our-regulation/reporting-requirements-cmcs">Reporting requirements for CMCs</a></div></span></div></div> </div> </div> <div class="rhn__hr" aria-hidden="true"></div> </div> <div class="rhn__block"> <div class="rhn__header"> <h2 class="h5"> <a class="rhn__header--collapse related-content__title rhn__header--title" role="button" data-toggle="collapse" href="#relatedContentCollapse" aria-expanded="true" aria-controls="relatedContentCollapse"> CMC: more information </a> </h2> </div> <div class="rhn__items rhn__items--linked collapse in" id="relatedContentCollapse"> <div class="related-content__item rhn__item first"> <a href="/firms/claims-management">Claims management companies</a> </div> <div class="related-content__item rhn__item last"> <a href="/about/what-we-do/the-fca">About the FCA</a> </div> <div class="rhn__hr" aria-hidden="true"></div> </div> </div> <div class="rhn__block"> <div class="rhn__header"> <h2 class="h5"> <a 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