CINXE.COM

<!DOCTYPE html> <html lang="en-GB" dir="ltr" prefix="content: http://purl.org/rss/1.0/modules/content/ dc: http://purl.org/dc/terms/ foaf: http://xmlns.com/foaf/0.1/ og: http://ogp.me/ns# rdfs: http://www.w3.org/2000/01/rdf-schema# schema: http://schema.org/ sioc: http://rdfs.org/sioc/ns# sioct: http://rdfs.org/sioc/types# skos: http://www.w3.org/2004/02/skos/core# xsd: http://www.w3.org/2001/XMLSchema# "> <head> <meta charset="utf-8" /> <meta name="description" content="The FCA is committed to ensuring consumers and businesses can access the cash they need. We’re using our powers to act where we find or anticipate significant issues." /> <link rel="canonical" href="https://www.fca.org.uk/firms/access-to-cash" /> <meta property="og:site_name" content="FCA" /> <meta property="og:type" content="article" /> <meta property="og:url" content="https://www.fca.org.uk/firms/access-to-cash" /> <meta property="og:title" content="Helping people access cash" /> <meta property="og:description" content="We're committed to ensuring consumers and businesses can access the cash they need. We're using our powers to act where we find or anticipate significant issues." /> <meta property="og:updated_time" content="2024-09-09T15:55:02+01:00" /> <meta property="article:published_time" content="2020-11-04T13:09:55+00:00" /> <meta property="article:modified_time" content="2024-09-09T15:55:02+01:00" /> <meta property="funnelback:created-date" content="04/11/2020" /> <meta property="funnelback:published-year" content="2020" /> <meta property="funnelback:content-type" content="Firms" /> <meta property="funnelback:category" content="Firms,Firms" /> <meta property="funnelback:date-of-release-year" content="2020" /> <meta property="funnelback:modified-date" content="09/09/2024" /> <meta property="funnelback:published-int-date" content="20201105" /> <meta property="funnelback:nid" content="71416" /> <meta property="funnelback:type" content="Firms,Focus areas" /> <meta property="funnelback:published-date" content="2020/11/05" /> <meta name="twitter:card" content="summary" /> <meta name="twitter:title" content="Helping people access cash" /> <meta name="twitter:site" content="@TheFCA" /> <meta name="twitter:description" content="We're committed to ensuring consumers and businesses can access the cash they need. We're using our powers to act where we find or anticipate significant issues." /> <meta name="twitter:site:id" content="169431716" /> <meta name="twitter:image" content="https://www.fca.org.uk/sites/default/files/images/fca-logo-social-media.jpg" /> <meta name="theme-color" content="#fff" /> <meta name="apple-mobile-web-app-capable" content="yes" /> <meta name="apple-mobile-web-app-status-bar-style" content="black" /> <meta name="Generator" content="Drupal 10 (https://www.drupal.org)" /> <meta name="MobileOptimized" content="width" /> <meta name="HandheldFriendly" content="true" /> <meta name="viewport" content="width=device-width, initial-scale=1.0" /> <style>div#sliding-popup, div#sliding-popup .eu-cookie-withdraw-banner, .eu-cookie-withdraw-tab {background: #6C1D45} div#sliding-popup.eu-cookie-withdraw-wrapper { background: transparent; } #sliding-popup h1, #sliding-popup h2, #sliding-popup h3, #sliding-popup p, #sliding-popup label, #sliding-popup div, .eu-cookie-compliance-more-button, .eu-cookie-compliance-secondary-button, .eu-cookie-withdraw-tab { color: #ffffff;} .eu-cookie-withdraw-tab { border-color: #ffffff;}#sliding-popup.sliding-popup-top { position: fixed; }</style> <meta name="theme-color" content="#6c1d45" /> <script type="application/ld+json">{ "@context": "https://schema.org", "@graph": { "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.fca.org.uk/" }, { "@type": "ListItem", "position": 2, "name": "Firms", "item": "https://www.fca.org.uk/firms" }, { "@type": "ListItem", "position": 3, "name": "Helping people access cash" } ] } }</script> <link rel="icon" href="/themes/custom/fca/favicon.ico" type="image/vnd.microsoft.icon" /> <link rel="alternate" hreflang="en" href="https://www.fca.org.uk/firms/access-to-cash" /> <script src="/sites/default/files/eu_cookie_compliance/eu_cookie_compliance.script.js?srwktk" defer></script> <title>Helping people access cash | FCA</title> <link rel="stylesheet" media="all" href="/sites/default/files/css/css_P_Y-meSkcc1s3nIU7NOelYj4qjnwxlnuXLYItPOg2y8.css?delta=0&language=en&theme=fca&include=eJx1UVuSwyAMuxANR2IccICpeQw27eb2C0naj3b3A2NkEJZcC5F2rVegpY78RjHfWTESWoklGw7QsOk3cDsAp3hnwaRXYFSbBe2prEA3ln0weIU_Mple1NdRYTe2lHvEsaVKEbJF_RdoHG7QSdQj4pP1EZdUXCdUT1y30pK-9mWGL3D0mzDL4lAgEi9SvKejVXNdYZ1GTcDzv48TMoM_BdaRmA3RrWDv5vjTQhUb4DThk2NqKRzlu_JiL3Uayqq2mAVWGk5kibJfM6jQwDeogd8DeiNLz7WvFDmMUczubKm7CdEHGksusCE4k4f3pjZ8xNL5gKcHW88Z6ZDCCM2GU9Esc7ER6Bc0KdFq" /> <link rel="stylesheet" media="all" href="/sites/default/files/css/css_CmXnutCBCCDwSADZj8umdDosQddGLt9WMRDqDNnH9g0.css?delta=1&language=en&theme=fca&include=eJx1UVuSwyAMuxANR2IccICpeQw27eb2C0naj3b3A2NkEJZcC5F2rVegpY78RjHfWTESWoklGw7QsOk3cDsAp3hnwaRXYFSbBe2prEA3ln0weIU_Mple1NdRYTe2lHvEsaVKEbJF_RdoHG7QSdQj4pP1EZdUXCdUT1y30pK-9mWGL3D0mzDL4lAgEi9SvKejVXNdYZ1GTcDzv48TMoM_BdaRmA3RrWDv5vjTQhUb4DThk2NqKRzlu_JiL3Uayqq2mAVWGk5kibJfM6jQwDeogd8DeiNLz7WvFDmMUczubKm7CdEHGksusCE4k4f3pjZ8xNL5gKcHW88Z6ZDCCM2GU9Esc7ER6Bc0KdFq" /> <link rel=preload href="/themes/custom/fca/bootstrap/fonts/bootstrap/glyphicons-halflings-regular.woff2" as="font" crossorigin> <meta name="google-site-verification" content="UMTpd8qXqUbCGtkijm3SkFV2lRJQM2lIIkMKmJg8jMk" /> <meta name="msvalidate.01" content="57E38F6BD7138599EBD7F7F4FF496957" /> <script src="https://www.google.com/recaptcha/api.js?hl=en&render=explicit&onload=drupalRecaptchaOnload" async defer></script> </head> <body class="page-node-71416 node-bg-6c1d45 logged-out"> <div class="skip-links"> <a href="#main-content" id="skip-main-content" class="visually-hidden sr-only-focusable focusable">Skip to main content</a> <a href="#edit-search-term" class="visually-hidden focusable skip-to-search">Skip to search box</a> </div> <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-PCC62S" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript><script type="text/javascript">(window.NREUM||(NREUM={})).init={ajax:{deny_list:["bam.nr-data.net"]}};(window.NREUM||(NREUM={})).loader_config={licenseKey:"1bdb6f7fb8",applicationID:"1114563801"};;/*! For license information please see nr-loader-rum-1.282.0.min.js.LICENSE.txt */ (()=>{var e,t,r={8122:(e,t,r)=>{"use strict";r.d(t,{a:()=>i});var n=r(944);function i(e,t){try{if(!e||"object"!=typeof e)return(0,n.R)(3);if(!t||"object"!=typeof t)return(0,n.R)(4);const r=Object.create(Object.getPrototypeOf(t),Object.getOwnPropertyDescriptors(t)),o=0===Object.keys(r).length?e:r;for(let a in o)if(void 0!==e[a])try{if(null===e[a]){r[a]=null;continue}Array.isArray(e[a])&&Array.isArray(t[a])?r[a]=Array.from(new Set([...e[a],...t[a]])):"object"==typeof e[a]&&"object"==typeof t[a]?r[a]=i(e[a],t[a]):r[a]=e[a]}catch(e){(0,n.R)(1,e)}return r}catch(e){(0,n.R)(2,e)}}},2555:(e,t,r)=>{"use strict";r.d(t,{Vp:()=>c,fn:()=>s,x1:()=>u});var n=r(384),i=r(8122);const o={beacon:n.NT.beacon,errorBeacon:n.NT.errorBeacon,licenseKey:void 0,applicationID:void 0,sa:void 0,queueTime:void 0,applicationTime:void 0,ttGuid:void 0,user:void 0,account:void 0,product:void 0,extra:void 0,jsAttributes:{},userAttributes:void 0,atts:void 0,transactionName:void 0,tNamePlain:void 0},a={};function s(e){try{const t=c(e);return!!t.licenseKey&&!!t.errorBeacon&&!!t.applicationID}catch(e){return!1}}function c(e){if(!e)throw new Error("All info objects require an agent identifier!");if(!a[e])throw new Error("Info for ".concat(e," was never set"));return a[e]}function u(e,t){if(!e)throw new Error("All info objects require an agent identifier!");a[e]=(0,i.a)(t,o);const r=(0,n.nY)(e);r&&(r.info=a[e])}},5217:(e,t,r)=>{"use strict";r.d(t,{D0:()=>m,gD:()=>b,xN:()=>v});r(860).K7.genericEvents;const n="experimental.marks",i="experimental.measures",o="experimental.resources";var a=r(993);const s=e=>{if(!e||"string"!=typeof e)return!1;try{document.createDocumentFragment().querySelector(e)}catch{return!1}return!0};var c=r(2614),u=r(944),l=r(384),d=r(8122);const f="[data-nr-mask]",g=()=>{const e={feature_flags:[],experimental:{marks:!1,measures:!1,resources:!1},mask_selector:"*",block_selector:"[data-nr-block]",mask_input_options:{color:!1,date:!1,"datetime-local":!1,email:!1,month:!1,number:!1,range:!1,search:!1,tel:!1,text:!1,time:!1,url:!1,week:!1,textarea:!1,select:!1,password:!0}};return{ajax:{deny_list:void 0,block_internal:!0,enabled:!0,autoStart:!0},distributed_tracing:{enabled:void 0,exclude_newrelic_header:void 0,cors_use_newrelic_header:void 0,cors_use_tracecontext_headers:void 0,allowed_origins:void 0},get feature_flags(){return e.feature_flags},set feature_flags(t){e.feature_flags=t},generic_events:{enabled:!0,autoStart:!0},harvest:{interval:30},jserrors:{enabled:!0,autoStart:!0},logging:{enabled:!0,autoStart:!0,level:a.p_.INFO},metrics:{enabled:!0,autoStart:!0},obfuscate:void 0,page_action:{enabled:!0},page_view_event:{enabled:!0,autoStart:!0},page_view_timing:{enabled:!0,autoStart:!0},performance:{get capture_marks(){return e.feature_flags.includes(n)||e.experimental.marks},set capture_marks(t){e.experimental.marks=t},get capture_measures(){return e.feature_flags.includes(i)||e.experimental.measures},set capture_measures(t){e.experimental.measures=t},capture_detail:!0,resources:{get enabled(){return e.feature_flags.includes(o)||e.experimental.resources},set enabled(t){e.experimental.resources=t},asset_types:[],first_party_domains:[],ignore_newrelic:!0}},privacy:{cookies_enabled:!0},proxy:{assets:void 0,beacon:void 0},session:{expiresMs:c.wk,inactiveMs:c.BB},session_replay:{autoStart:!0,enabled:!1,preload:!1,sampling_rate:10,error_sampling_rate:100,collect_fonts:!1,inline_images:!1,fix_stylesheets:!0,mask_all_inputs:!0,get mask_text_selector(){return e.mask_selector},set mask_text_selector(t){s(t)?e.mask_selector="".concat(t,",").concat(f):""===t||null===t?e.mask_selector=f:(0,u.R)(5,t)},get block_class(){return"nr-block"},get ignore_class(){return"nr-ignore"},get mask_text_class(){return"nr-mask"},get block_selector(){return e.block_selector},set block_selector(t){s(t)?e.block_selector+=",".concat(t):""!==t&&(0,u.R)(6,t)},get mask_input_options(){return e.mask_input_options},set mask_input_options(t){t&&"object"==typeof t?e.mask_input_options={...t,password:!0}:(0,u.R)(7,t)}},session_trace:{enabled:!0,autoStart:!0},soft_navigations:{enabled:!0,autoStart:!0},spa:{enabled:!0,autoStart:!0},ssl:void 0,user_actions:{enabled:!0,elementAttributes:["id","className","tagName","type"]}}},p={},h="All configuration objects require an agent identifier!";function m(e){if(!e)throw new Error(h);if(!p[e])throw new Error("Configuration for ".concat(e," was never set"));return p[e]}function v(e,t){if(!e)throw new Error(h);p[e]=(0,d.a)(t,g());const r=(0,l.nY)(e);r&&(r.init=p[e])}function b(e,t){if(!e)throw new Error(h);var r=m(e);if(r){for(var n=t.split("."),i=0;i<n.length-1;i++)if("object"!=typeof(r=r[n[i]]))return;r=r[n[n.length-1]]}return r}},3371:(e,t,r)=>{"use strict";r.d(t,{V:()=>f,f:()=>d});var n=r(8122),i=r(384),o=r(6154),a=r(9324);let s=0;const c={buildEnv:a.F3,distMethod:a.Xs,version:a.xv,originTime:o.WN},u={customTransaction:void 0,disabled:!1,isolatedBacklog:!1,loaderType:void 0,maxBytes:3e4,onerror:void 0,ptid:void 0,releaseIds:{},appMetadata:{},session:void 0,denyList:void 0,timeKeeper:void 0,obfuscator:void 0,harvester:void 0},l={};function d(e){if(!e)throw new Error("All runtime objects require an agent identifier!");if(!l[e])throw new Error("Runtime for ".concat(e," was never set"));return l[e]}function f(e,t){if(!e)throw new Error("All runtime objects require an agent identifier!");l[e]={...(0,n.a)(t,u),...c},Object.hasOwnProperty.call(l[e],"harvestCount")||Object.defineProperty(l[e],"harvestCount",{get:()=>++s});const r=(0,i.nY)(e);r&&(r.runtime=l[e])}},9324:(e,t,r)=>{"use strict";r.d(t,{F3:()=>i,Xs:()=>o,xv:()=>n});const n="1.282.0",i="PROD",o="CDN"},6154:(e,t,r)=>{"use strict";r.d(t,{OF:()=>c,RI:()=>i,WN:()=>l,bv:()=>o,gm:()=>a,mw:()=>s,sb:()=>u});var n=r(1863);const i="undefined"!=typeof window&&!!window.document,o="undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self.navigator instanceof WorkerNavigator||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis.navigator instanceof WorkerNavigator),a=i?window:"undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis),s=Boolean("hidden"===a?.document?.visibilityState),c=/iPad|iPhone|iPod/.test(a.navigator?.userAgent),u=c&&"undefined"==typeof SharedWorker,l=((()=>{const e=a.navigator?.userAgent?.match(/Firefox[/\s](\d+\.\d+)/);Array.isArray(e)&&e.length>=2&&e[1]})(),Date.now()-(0,n.t)())},1687:(e,t,r)=>{"use strict";r.d(t,{Ak:()=>c,Ze:()=>d,x3:()=>u});var n=r(7836),i=r(3606),o=r(860),a=r(2646);const s={};function c(e,t){const r={staged:!1,priority:o.P3[t]||0};l(e),s[e].get(t)||s[e].set(t,r)}function u(e,t){e&&s[e]&&(s[e].get(t)&&s[e].delete(t),g(e,t,!1),s[e].size&&f(e))}function l(e){if(!e)throw new Error("agentIdentifier required");s[e]||(s[e]=new Map)}function d(e="",t="feature",r=!1){if(l(e),!e||!s[e].get(t)||r)return g(e,t);s[e].get(t).staged=!0,f(e)}function f(e){const t=Array.from(s[e]);t.every((([e,t])=>t.staged))&&(t.sort(((e,t)=>e[1].priority-t[1].priority)),t.forEach((([t])=>{s[e].delete(t),g(e,t)})))}function g(e,t,r=!0){const o=e?n.ee.get(e):n.ee,s=i.i.handlers;if(!o.aborted&&o.backlog&&s){if(r){const e=o.backlog[t],r=s[t];if(r){for(let t=0;e&&t<e.length;++t)p(e[t],r);Object.entries(r).forEach((([e,t])=>{Object.values(t||{}).forEach((t=>{t[0]?.on&&t[0]?.context()instanceof a.y&&t[0].on(e,t[1])}))}))}}o.isolatedBacklog||delete s[t],o.backlog[t]=null,o.emit("drain-"+t,[])}}function p(e,t){var r=e[1];Object.values(t[r]||{}).forEach((t=>{var r=e[0];if(t[0]===r){var n=t[1],i=e[3],o=e[2];n.apply(i,o)}}))}},7836:(e,t,r)=>{"use strict";r.d(t,{P:()=>c,ee:()=>u});var n=r(384),i=r(8990),o=r(3371),a=r(2646),s=r(5607);const c="nr@context:".concat(s.W),u=function e(t,r){var n={},s={},l={},d=!1;try{d=16===r.length&&(0,o.f)(r).isolatedBacklog}catch(e){}var f={on:p,addEventListener:p,removeEventListener:function(e,t){var r=n[e];if(!r)return;for(var i=0;i<r.length;i++)r[i]===t&&r.splice(i,1)},emit:function(e,r,n,i,o){!1!==o&&(o=!0);if(u.aborted&&!i)return;t&&o&&t.emit(e,r,n);for(var a=g(n),c=h(e),l=c.length,d=0;d<l;d++)c[d].apply(a,r);var p=v()[s[e]];p&&p.push([f,e,r,a]);return a},get:m,listeners:h,context:g,buffer:function(e,t){const r=v();if(t=t||"feature",f.aborted)return;Object.entries(e||{}).forEach((([e,n])=>{s[n]=t,t in r||(r[t]=[])}))},abort:function(){f._aborted=!0,Object.keys(f.backlog).forEach((e=>{delete f.backlog[e]}))},isBuffering:function(e){return!!v()[s[e]]},debugId:r,backlog:d?{}:t&&"object"==typeof t.backlog?t.backlog:{},isolatedBacklog:d};return Object.defineProperty(f,"aborted",{get:()=>{let e=f._aborted||!1;return e||(t&&(e=t.aborted),e)}}),f;function g(e){return e&&e instanceof a.y?e:e?(0,i.I)(e,c,(()=>new a.y(c))):new a.y(c)}function p(e,t){n[e]=h(e).concat(t)}function h(e){return n[e]||[]}function m(t){return l[t]=l[t]||e(f,t)}function v(){return f.backlog}}(void 0,"globalEE"),l=(0,n.Zm)();l.ee||(l.ee=u)},2646:(e,t,r)=>{"use strict";r.d(t,{y:()=>n});class n{constructor(e){this.contextId=e}}},9908:(e,t,r)=>{"use strict";r.d(t,{d:()=>n,p:()=>i});var n=r(7836).ee.get("handle");function i(e,t,r,i,o){o?(o.buffer([e],i),o.emit(e,t,r)):(n.buffer([e],i),n.emit(e,t,r))}},3606:(e,t,r)=>{"use strict";r.d(t,{i:()=>o});var n=r(9908);o.on=a;var i=o.handlers={};function o(e,t,r,o){a(o||n.d,i,e,t,r)}function a(e,t,r,i,o){o||(o="feature"),e||(e=n.d);var a=t[o]=t[o]||{};(a[r]=a[r]||[]).push([e,i])}},3878:(e,t,r)=>{"use strict";function n(e,t){return{capture:e,passive:!1,signal:t}}function i(e,t,r=!1,i){window.addEventListener(e,t,n(r,i))}function o(e,t,r=!1,i){document.addEventListener(e,t,n(r,i))}r.d(t,{DD:()=>o,jT:()=>n,sp:()=>i})},5607:(e,t,r)=>{"use strict";r.d(t,{W:()=>n});const n=(0,r(9566).bz)()},9566:(e,t,r)=>{"use strict";r.d(t,{LA:()=>s,bz:()=>a});var n=r(6154);const i="xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx";function o(e,t){return e?15&e[t]:16*Math.random()|0}function a(){const e=n.gm?.crypto||n.gm?.msCrypto;let t,r=0;return e&&e.getRandomValues&&(t=e.getRandomValues(new Uint8Array(30))),i.split("").map((e=>"x"===e?o(t,r++).toString(16):"y"===e?(3&o()|8).toString(16):e)).join("")}function s(e){const t=n.gm?.crypto||n.gm?.msCrypto;let r,i=0;t&&t.getRandomValues&&(r=t.getRandomValues(new Uint8Array(e)));const a=[];for(var s=0;s<e;s++)a.push(o(r,i++).toString(16));return a.join("")}},2614:(e,t,r)=>{"use strict";r.d(t,{BB:()=>a,H3:()=>n,g:()=>u,iL:()=>c,tS:()=>s,uh:()=>i,wk:()=>o});const n="NRBA",i="SESSION",o=144e5,a=18e5,s={STARTED:"session-started",PAUSE:"session-pause",RESET:"session-reset",RESUME:"session-resume",UPDATE:"session-update"},c={SAME_TAB:"same-tab",CROSS_TAB:"cross-tab"},u={OFF:0,FULL:1,ERROR:2}},1863:(e,t,r)=>{"use strict";function n(){return Math.floor(performance.now())}r.d(t,{t:()=>n})},944:(e,t,r)=>{"use strict";function n(e,t){"function"==typeof console.debug&&console.debug("New Relic Warning: https://github.com/newrelic/newrelic-browser-agent/blob/main/docs/warning-codes.md#".concat(e),t)}r.d(t,{R:()=>n})},5284:(e,t,r)=>{"use strict";r.d(t,{t:()=>c,B:()=>s});var n=r(7836),i=r(6154);const o="newrelic";const a=new Set,s={};function c(e,t){const r=n.ee.get(t);s[t]??={},e&&"object"==typeof e&&(a.has(t)||(r.emit("rumresp",[e]),s[t]=e,a.add(t),function(e={}){try{i.gm.dispatchEvent(new CustomEvent(o,{detail:e}))}catch(e){}}({loaded:!0})))}},8990:(e,t,r)=>{"use strict";r.d(t,{I:()=>i});var n=Object.prototype.hasOwnProperty;function i(e,t,r){if(n.call(e,t))return e[t];var i=r();if(Object.defineProperty&&Object.keys)try{return Object.defineProperty(e,t,{value:i,writable:!0,enumerable:!1}),i}catch(e){}return e[t]=i,i}},6389:(e,t,r)=>{"use strict";function n(e,t=500,r={}){const n=r?.leading||!1;let i;return(...r)=>{n&&void 0===i&&(e.apply(this,r),i=setTimeout((()=>{i=clearTimeout(i)}),t)),n||(clearTimeout(i),i=setTimeout((()=>{e.apply(this,r)}),t))}}function i(e){let t=!1;return(...r)=>{t||(t=!0,e.apply(this,r))}}r.d(t,{J:()=>i,s:()=>n})},5289:(e,t,r)=>{"use strict";r.d(t,{GG:()=>o,We:()=>i,sB:()=>a});var n=r(3878);function i(){return"undefined"==typeof document||"complete"===document.readyState}function o(e,t){if(i())return e();(0,n.sp)("load",e,t)}function a(e){if(i())return e();(0,n.DD)("DOMContentLoaded",e)}},384:(e,t,r)=>{"use strict";r.d(t,{NT:()=>o,US:()=>l,Zm:()=>a,bQ:()=>c,dV:()=>s,nY:()=>u,pV:()=>d});var n=r(6154),i=r(1863);const o={beacon:"bam.nr-data.net",errorBeacon:"bam.nr-data.net"};function a(){return n.gm.NREUM||(n.gm.NREUM={}),void 0===n.gm.newrelic&&(n.gm.newrelic=n.gm.NREUM),n.gm.NREUM}function s(){let e=a();return e.o||(e.o={ST:n.gm.setTimeout,SI:n.gm.setImmediate,CT:n.gm.clearTimeout,XHR:n.gm.XMLHttpRequest,REQ:n.gm.Request,EV:n.gm.Event,PR:n.gm.Promise,MO:n.gm.MutationObserver,FETCH:n.gm.fetch,WS:n.gm.WebSocket}),e}function c(e,t){let r=a();r.initializedAgents??={},t.initializedAt={ms:(0,i.t)(),date:new Date},r.initializedAgents[e]=t}function u(e){let t=a();return t.initializedAgents?.[e]}function l(e,t){a()[e]=t}function d(){return function(){let e=a();const t=e.info||{};e.info={beacon:o.beacon,errorBeacon:o.errorBeacon,...t}}(),function(){let e=a();const t=e.init||{};e.init={...t}}(),s(),function(){let e=a();const t=e.loader_config||{};e.loader_config={...t}}(),a()}},2843:(e,t,r)=>{"use strict";r.d(t,{u:()=>i});var n=r(3878);function i(e,t=!1,r,i){(0,n.DD)("visibilitychange",(function(){if(t)return void("hidden"===document.visibilityState&&e());e(document.visibilityState)}),r,i)}},3434:(e,t,r)=>{"use strict";r.d(t,{Jt:()=>o,YM:()=>c});var n=r(7836),i=r(5607);const o="nr@original:".concat(i.W);var a=Object.prototype.hasOwnProperty,s=!1;function c(e,t){return e||(e=n.ee),r.inPlace=function(e,t,n,i,o){n||(n="");const a="-"===n.charAt(0);for(let s=0;s<t.length;s++){const c=t[s],u=e[c];l(u)||(e[c]=r(u,a?c+n:n,i,c,o))}},r.flag=o,r;function r(t,r,n,s,c){return l(t)?t:(r||(r=""),nrWrapper[o]=t,function(e,t,r){if(Object.defineProperty&&Object.keys)try{return Object.keys(e).forEach((function(r){Object.defineProperty(t,r,{get:function(){return e[r]},set:function(t){return e[r]=t,t}})})),t}catch(e){u([e],r)}for(var n in e)a.call(e,n)&&(t[n]=e[n])}(t,nrWrapper,e),nrWrapper);function nrWrapper(){var o,a,l,d;try{a=this,o=[...arguments],l="function"==typeof n?n(o,a):n||{}}catch(t){u([t,"",[o,a,s],l],e)}i(r+"start",[o,a,s],l,c);try{return d=t.apply(a,o)}catch(e){throw i(r+"err",[o,a,e],l,c),e}finally{i(r+"end",[o,a,d],l,c)}}}function i(r,n,i,o){if(!s||t){var a=s;s=!0;try{e.emit(r,n,i,t,o)}catch(t){u([t,r,n,i],e)}s=a}}}function u(e,t){t||(t=n.ee);try{t.emit("internal-error",e)}catch(e){}}function l(e){return!(e&&"function"==typeof e&&e.apply&&!e[o])}},9559:(e,t,r)=>{"use strict";r.d(t,{A5:()=>d,NF:()=>c,tV:()=>u});var n=r(6154),i=r(1863),o=r(5289),a=r(9566),s=r(384);const c="websocket-",u="addEventListener",l={};function d(e){if(l[e.debugId]++)return e;if(!(0,s.dV)().o.WS)return e;class t extends WebSocket{static name="WebSocket";constructor(...t){super(...t);const r=(0,a.LA)(6);this.report=function(t){const r=(0,i.t)();return function(n,...a){const s=a[0]?.timeStamp||(0,i.t)(),u=(0,o.We)();e.emit(c+n,[s,s-r,u,t,...a])}}(r),this.report("new");["message","error","open","close"].forEach((e=>{this.addEventListener(e,(function(t){this.report(u,{eventType:e,event:t})}))}))}send(...e){this.report("send",...e);try{return super.send(...e)}catch(t){throw this.report("send-err",...e),t}}}return n.gm.WebSocket=t,e}},993:(e,t,r)=>{"use strict";r.d(t,{ET:()=>o,p_:()=>i});var n=r(860);const i={ERROR:"ERROR",WARN:"WARN",INFO:"INFO",DEBUG:"DEBUG",TRACE:"TRACE"},o="log";n.K7.logging},3969:(e,t,r)=>{"use strict";r.d(t,{Pj:()=>u,TZ:()=>i,XG:()=>c,rs:()=>o,xV:()=>s,z_:()=>a});var n=r(9559);const i=r(860).K7.metrics,o="sm",a="cm",s="storeSupportabilityMetrics",c="storeEventMetrics",u=["new","send","close",n.tV]},6630:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.pageViewEvent},782:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.pageViewTiming},6344:(e,t,r)=>{"use strict";r.d(t,{G4:()=>i});var n=r(2614);r(860).K7.sessionReplay;const i={RECORD:"recordReplay",PAUSE:"pauseReplay",REPLAY_RUNNING:"replayRunning",ERROR_DURING_REPLAY:"errorDuringReplay"};n.g.ERROR,n.g.FULL,n.g.OFF},4234:(e,t,r)=>{"use strict";r.d(t,{W:()=>o});var n=r(7836),i=r(1687);class o{constructor(e,t){this.agentIdentifier=e,this.ee=n.ee.get(e),this.featureName=t,this.blocked=!1}deregisterDrain(){(0,i.x3)(this.agentIdentifier,this.featureName)}}},7603:(e,t,r)=>{"use strict";r.d(t,{j:()=>K});var n=r(860),i=r(2555),o=r(3371),a=r(9908),s=r(7836),c=r(1687),u=r(5289),l=r(6154),d=r(944),f=r(3969),g=r(384),p=r(6344);const h=["setErrorHandler","finished","addToTrace","addRelease","recordCustomEvent","addPageAction","setCurrentRouteName","setPageViewName","setCustomAttribute","interaction","noticeError","setUserId","setApplicationVersion","start",p.G4.RECORD,p.G4.PAUSE,"log","wrapLogger"],m=["setErrorHandler","finished","addToTrace","addRelease"];var v=r(1863),b=r(2614),y=r(993);var w=r(2646),A=r(3434);const E=new Map;function R(e,t,r,n){if("object"!=typeof t||!t||"string"!=typeof r||!r||"function"!=typeof t[r])return(0,d.R)(29);const i=function(e){return(e||s.ee).get("logger")}(e),o=(0,A.YM)(i),a=new w.y(s.P);a.level=n.level,a.customAttributes=n.customAttributes;const c=t[r]?.[A.Jt]||t[r];return E.set(c,a),o.inPlace(t,[r],"wrap-logger-",(()=>E.get(c))),i}function _(){const e=(0,g.pV)();h.forEach((t=>{e[t]=(...r)=>function(t,...r){let n=[];return Object.values(e.initializedAgents).forEach((e=>{e&&e.api?e.exposed&&e.api[t]&&n.push(e.api[t](...r)):(0,d.R)(38,t)})),n.length>1?n:n[0]}(t,...r)}))}const x={};function N(e,t,g=!1){t||(0,c.Ak)(e,"api");const h={};var w=s.ee.get(e),A=w.get("tracer");x[e]=b.g.OFF,w.on(p.G4.REPLAY_RUNNING,(t=>{x[e]=t}));var E="api-",_=E+"ixn-";function N(t,r,n,o){const a=(0,i.Vp)(e);return null===r?delete a.jsAttributes[t]:(0,i.x1)(e,{...a,jsAttributes:{...a.jsAttributes,[t]:r}}),T(E,n,!0,o||null===r?"session":void 0)(t,r)}function k(){}h.log=function(e,{customAttributes:t={},level:r=y.p_.INFO}={}){(0,a.p)(f.xV,["API/log/called"],void 0,n.K7.metrics,w),function(e,t,r={},i=y.p_.INFO){(0,a.p)(f.xV,["API/logging/".concat(i.toLowerCase(),"/called")],void 0,n.K7.metrics,e),(0,a.p)(y.ET,[(0,v.t)(),t,r,i],void 0,n.K7.logging,e)}(w,e,t,r)},h.wrapLogger=(e,t,{customAttributes:r={},level:i=y.p_.INFO}={})=>{(0,a.p)(f.xV,["API/wrapLogger/called"],void 0,n.K7.metrics,w),R(w,e,t,{customAttributes:r,level:i})},m.forEach((e=>{h[e]=T(E,e,!0,"api")})),h.addPageAction=T(E,"addPageAction",!0,n.K7.genericEvents),h.recordCustomEvent=T(E,"recordCustomEvent",!0,n.K7.genericEvents),h.setPageViewName=function(t,r){if("string"==typeof t)return"/"!==t.charAt(0)&&(t="/"+t),(0,o.f)(e).customTransaction=(r||"http://custom.transaction")+t,T(E,"setPageViewName",!0)()},h.setCustomAttribute=function(e,t,r=!1){if("string"==typeof e){if(["string","number","boolean"].includes(typeof t)||null===t)return N(e,t,"setCustomAttribute",r);(0,d.R)(40,typeof t)}else(0,d.R)(39,typeof e)},h.setUserId=function(e){if("string"==typeof e||null===e)return N("enduser.id",e,"setUserId",!0);(0,d.R)(41,typeof e)},h.setApplicationVersion=function(e){if("string"==typeof e||null===e)return N("application.version",e,"setApplicationVersion",!1);(0,d.R)(42,typeof e)},h.start=()=>{try{(0,a.p)(f.xV,["API/start/called"],void 0,n.K7.metrics,w),w.emit("manual-start-all")}catch(e){(0,d.R)(23,e)}},h[p.G4.RECORD]=function(){(0,a.p)(f.xV,["API/recordReplay/called"],void 0,n.K7.metrics,w),(0,a.p)(p.G4.RECORD,[],void 0,n.K7.sessionReplay,w)},h[p.G4.PAUSE]=function(){(0,a.p)(f.xV,["API/pauseReplay/called"],void 0,n.K7.metrics,w),(0,a.p)(p.G4.PAUSE,[],void 0,n.K7.sessionReplay,w)},h.interaction=function(e){return(new k).get("object"==typeof e?e:{})};const S=k.prototype={createTracer:function(e,t){var r={},i=this,o="function"==typeof t;return(0,a.p)(f.xV,["API/createTracer/called"],void 0,n.K7.metrics,w),g||(0,a.p)(_+"tracer",[(0,v.t)(),e,r],i,n.K7.spa,w),function(){if(A.emit((o?"":"no-")+"fn-start",[(0,v.t)(),i,o],r),o)try{return t.apply(this,arguments)}catch(e){const t="string"==typeof e?new Error(e):e;throw A.emit("fn-err",[arguments,this,t],r),t}finally{A.emit("fn-end",[(0,v.t)()],r)}}}};function T(e,t,r,i){return function(){return(0,a.p)(f.xV,["API/"+t+"/called"],void 0,n.K7.metrics,w),i&&(0,a.p)(e+t,[r?(0,v.t)():performance.now(),...arguments],r?null:this,i,w),r?void 0:this}}function j(){r.e(296).then(r.bind(r,8778)).then((({setAPI:t})=>{t(e),(0,c.Ze)(e,"api")})).catch((e=>{(0,d.R)(27,e),w.abort()}))}return["actionText","setName","setAttribute","save","ignore","onEnd","getContext","end","get"].forEach((e=>{S[e]=T(_,e,void 0,g?n.K7.softNav:n.K7.spa)})),h.setCurrentRouteName=g?T(_,"routeName",void 0,n.K7.softNav):T(E,"routeName",!0,n.K7.spa),h.noticeError=function(t,r){"string"==typeof t&&(t=new Error(t)),(0,a.p)(f.xV,["API/noticeError/called"],void 0,n.K7.metrics,w),(0,a.p)("err",[t,(0,v.t)(),!1,r,!!x[e]],void 0,n.K7.jserrors,w)},l.RI?(0,u.GG)((()=>j()),!0):j(),h}var k=r(5217),S=r(8122);const T={accountID:void 0,trustKey:void 0,agentID:void 0,licenseKey:void 0,applicationID:void 0,xpid:void 0},j={};var I=r(5284);const O=e=>{const t=e.startsWith("http");e+="/",r.p=t?e:"https://"+e};let P=!1;function K(e,t={},r,n){let{init:a,info:c,loader_config:u,runtime:d={},exposed:f=!0}=t;d.loaderType=r;const p=(0,g.pV)();c||(a=p.init,c=p.info,u=p.loader_config),(0,k.xN)(e.agentIdentifier,a||{}),function(e,t){if(!e)throw new Error("All loader-config objects require an agent identifier!");j[e]=(0,S.a)(t,T);const r=(0,g.nY)(e);r&&(r.loader_config=j[e])}(e.agentIdentifier,u||{}),c.jsAttributes??={},l.bv&&(c.jsAttributes.isWorker=!0),(0,i.x1)(e.agentIdentifier,c);const h=(0,k.D0)(e.agentIdentifier),m=[c.beacon,c.errorBeacon];P||(h.proxy.assets&&(O(h.proxy.assets),m.push(h.proxy.assets)),h.proxy.beacon&&m.push(h.proxy.beacon),_(),(0,g.US)("activatedFeatures",I.B),e.runSoftNavOverSpa&&=!0===h.soft_navigations.enabled&&h.feature_flags.includes("soft_nav")),d.denyList=[...h.ajax.deny_list||[],...h.ajax.block_internal?m:[]],d.ptid=e.agentIdentifier,(0,o.V)(e.agentIdentifier,d),e.ee=s.ee.get(e.agentIdentifier),void 0===e.api&&(e.api=N(e.agentIdentifier,n,e.runSoftNavOverSpa)),void 0===e.exposed&&(e.exposed=f),P=!0}},8374:(e,t,r)=>{r.nc=(()=>{try{return document?.currentScript?.nonce}catch(e){}return""})()},860:(e,t,r)=>{"use strict";r.d(t,{$J:()=>u,K7:()=>s,P3:()=>c,XX:()=>i,qY:()=>n,v4:()=>a});const n="events",i="jserrors",o="browser/blobs",a="rum",s={ajax:"ajax",genericEvents:"generic_events",jserrors:i,logging:"logging",metrics:"metrics",pageAction:"page_action",pageViewEvent:"page_view_event",pageViewTiming:"page_view_timing",sessionReplay:"session_replay",sessionTrace:"session_trace",softNav:"soft_navigations",spa:"spa"},c={[s.pageViewEvent]:1,[s.pageViewTiming]:2,[s.metrics]:3,[s.jserrors]:4,[s.spa]:5,[s.ajax]:6,[s.sessionTrace]:7,[s.softNav]:8,[s.sessionReplay]:9,[s.logging]:10,[s.genericEvents]:11},u={[s.pageViewEvent]:a,[s.pageViewTiming]:n,[s.ajax]:n,[s.spa]:n,[s.softNav]:n,[s.metrics]:i,[s.jserrors]:i,[s.sessionTrace]:o,[s.sessionReplay]:o,[s.logging]:"browser/logs",[s.genericEvents]:"ins"}}},n={};function i(e){var t=n[e];if(void 0!==t)return t.exports;var o=n[e]={exports:{}};return r[e](o,o.exports,i),o.exports}i.m=r,i.d=(e,t)=>{for(var r in t)i.o(t,r)&&!i.o(e,r)&&Object.defineProperty(e,r,{enumerable:!0,get:t[r]})},i.f={},i.e=e=>Promise.all(Object.keys(i.f).reduce(((t,r)=>(i.f[r](e,t),t)),[])),i.u=e=>"nr-rum-1.282.0.min.js",i.o=(e,t)=>Object.prototype.hasOwnProperty.call(e,t),e={},t="NRBA-1.282.0.PROD:",i.l=(r,n,o,a)=>{if(e[r])e[r].push(n);else{var s,c;if(void 0!==o)for(var u=document.getElementsByTagName("script"),l=0;l<u.length;l++){var d=u[l];if(d.getAttribute("src")==r||d.getAttribute("data-webpack")==t+o){s=d;break}}if(!s){c=!0;var f={296:"sha512-l47U0Uoe1hZBr59ploFpMvlKF+8qyXRcrIz3FyX0RjKPtbVX/XVLlM33rGSBPUp0xtj5pGZfY8WGANUrr9Zq4A=="};(s=document.createElement("script")).charset="utf-8",s.timeout=120,i.nc&&s.setAttribute("nonce",i.nc),s.setAttribute("data-webpack",t+o),s.src=r,0!==s.src.indexOf(window.location.origin+"/")&&(s.crossOrigin="anonymous"),f[a]&&(s.integrity=f[a])}e[r]=[n];var g=(t,n)=>{s.onerror=s.onload=null,clearTimeout(p);var i=e[r];if(delete e[r],s.parentNode&&s.parentNode.removeChild(s),i&&i.forEach((e=>e(n))),t)return t(n)},p=setTimeout(g.bind(null,void 0,{type:"timeout",target:s}),12e4);s.onerror=g.bind(null,s.onerror),s.onload=g.bind(null,s.onload),c&&document.head.appendChild(s)}},i.r=e=>{"undefined"!=typeof Symbol&&Symbol.toStringTag&&Object.defineProperty(e,Symbol.toStringTag,{value:"Module"}),Object.defineProperty(e,"__esModule",{value:!0})},i.p="https://js-agent.newrelic.com/",(()=>{var e={374:0,840:0};i.f.j=(t,r)=>{var n=i.o(e,t)?e[t]:void 0;if(0!==n)if(n)r.push(n[2]);else{var o=new Promise(((r,i)=>n=e[t]=[r,i]));r.push(n[2]=o);var a=i.p+i.u(t),s=new Error;i.l(a,(r=>{if(i.o(e,t)&&(0!==(n=e[t])&&(e[t]=void 0),n)){var o=r&&("load"===r.type?"missing":r.type),a=r&&r.target&&r.target.src;s.message="Loading chunk "+t+" failed.\n("+o+": "+a+")",s.name="ChunkLoadError",s.type=o,s.request=a,n[1](s)}}),"chunk-"+t,t)}};var t=(t,r)=>{var n,o,[a,s,c]=r,u=0;if(a.some((t=>0!==e[t]))){for(n in s)i.o(s,n)&&(i.m[n]=s[n]);if(c)c(i)}for(t&&t(r);u<a.length;u++)o=a[u],i.o(e,o)&&e[o]&&e[o][0](),e[o]=0},r=self["webpackChunk:NRBA-1.282.0.PROD"]=self["webpackChunk:NRBA-1.282.0.PROD"]||[];r.forEach(t.bind(null,0)),r.push=t.bind(null,r.push.bind(r))})(),(()=>{"use strict";i(8374);var e=i(944),t=i(6344),r=i(9566);class n{agentIdentifier;constructor(){this.agentIdentifier=(0,r.LA)(16)}#e(t,...r){if("function"==typeof this.api?.[t])return this.api[t](...r);(0,e.R)(35,t)}addPageAction(e,t){return this.#e("addPageAction",e,t)}recordCustomEvent(e,t){return this.#e("recordCustomEvent",e,t)}setPageViewName(e,t){return this.#e("setPageViewName",e,t)}setCustomAttribute(e,t,r){return this.#e("setCustomAttribute",e,t,r)}noticeError(e,t){return this.#e("noticeError",e,t)}setUserId(e){return this.#e("setUserId",e)}setApplicationVersion(e){return this.#e("setApplicationVersion",e)}setErrorHandler(e){return this.#e("setErrorHandler",e)}addRelease(e,t){return this.#e("addRelease",e,t)}log(e,t){return this.#e("log",e,t)}}class o extends n{#e(t,...r){if("function"==typeof this.api?.[t])return this.api[t](...r);(0,e.R)(35,t)}start(){return this.#e("start")}finished(e){return this.#e("finished",e)}recordReplay(){return this.#e(t.G4.RECORD)}pauseReplay(){return this.#e(t.G4.PAUSE)}addToTrace(e){return this.#e("addToTrace",e)}setCurrentRouteName(e){return this.#e("setCurrentRouteName",e)}interaction(){return this.#e("interaction")}wrapLogger(e,t,r){return this.#e("wrapLogger",e,t,r)}}var a=i(860),s=i(5217);const c=Object.values(a.K7);function u(e){const t={};return c.forEach((r=>{t[r]=function(e,t){return!0===(0,s.gD)(t,"".concat(e,".enabled"))}(r,e)})),t}var l=i(7603);var d=i(1687),f=i(4234),g=i(5289),p=i(6154),h=i(384);const m=e=>p.RI&&!0===(0,s.gD)(e,"privacy.cookies_enabled");function v(e){return!!(0,h.dV)().o.MO&&m(e)&&!0===(0,s.gD)(e,"session_trace.enabled")}var b=i(6389);class y extends f.W{constructor(e,t,r=!0){super(e.agentIdentifier,t),this.auto=r,this.abortHandler=void 0,this.featAggregate=void 0,this.onAggregateImported=void 0,!1===e.init[this.featureName].autoStart&&(this.auto=!1),this.auto?(0,d.Ak)(e.agentIdentifier,t):this.ee.on("manual-start-all",(0,b.J)((()=>{(0,d.Ak)(e.agentIdentifier,this.featureName),this.auto=!0,this.importAggregator(e)})))}importAggregator(t,r={}){if(this.featAggregate||!this.auto)return;let n;this.onAggregateImported=new Promise((e=>{n=e}));const o=async()=>{let o;try{if(m(this.agentIdentifier)){const{setupAgentSession:e}=await i.e(296).then(i.bind(i,3861));o=e(t)}}catch(t){(0,e.R)(20,t),this.ee.emit("internal-error",[t]),this.featureName===a.K7.sessionReplay&&this.abortHandler?.()}try{if(!this.#t(this.featureName,o))return(0,d.Ze)(this.agentIdentifier,this.featureName),void n(!1);const{lazyFeatureLoader:e}=await i.e(296).then(i.bind(i,6103)),{Aggregate:a}=await e(this.featureName,"aggregate");this.featAggregate=new a(t,r),t.runtime.harvester.initializedAggregates.push(this.featAggregate),n(!0)}catch(t){(0,e.R)(34,t),this.abortHandler?.(),(0,d.Ze)(this.agentIdentifier,this.featureName,!0),n(!1),this.ee&&this.ee.abort()}};p.RI?(0,g.GG)((()=>o()),!0):o()}#t(e,t){switch(e){case a.K7.sessionReplay:return v(this.agentIdentifier)&&!!t;case a.K7.sessionTrace:return!!t;default:return!0}}}var w=i(6630);class A extends y{static featureName=w.T;constructor(e,t=!0){super(e,w.T,t),this.importAggregator(e)}}var E=i(9908),R=i(2843),_=i(3878),x=i(782),N=i(1863);class k extends y{static featureName=x.T;constructor(e,t=!0){super(e,x.T,t),p.RI&&((0,R.u)((()=>(0,E.p)("docHidden",[(0,N.t)()],void 0,x.T,this.ee)),!0),(0,_.sp)("pagehide",(()=>(0,E.p)("winPagehide",[(0,N.t)()],void 0,x.T,this.ee))),this.importAggregator(e))}}var S=i(9559),T=i(3969);class j extends y{static featureName=T.TZ;constructor(e,t=!0){super(e,T.TZ,t),(0,S.A5)(this.ee),T.Pj.forEach((e=>{this.ee.on(S.NF+e,((...t)=>{(0,E.p)("buffered-"+S.NF+e,[...t],void 0,this.featureName,this.ee)}))})),this.importAggregator(e)}}new class extends o{constructor(t){super(),p.gm?(this.features={},(0,h.bQ)(this.agentIdentifier,this),this.desiredFeatures=new Set(t.features||[]),this.desiredFeatures.add(A),this.runSoftNavOverSpa=[...this.desiredFeatures].some((e=>e.featureName===a.K7.softNav)),(0,l.j)(this,t,t.loaderType||"agent"),this.run()):(0,e.R)(21)}get config(){return{info:this.info,init:this.init,loader_config:this.loader_config,runtime:this.runtime}}run(){try{const t=u(this.agentIdentifier),r=[...this.desiredFeatures];r.sort(((e,t)=>a.P3[e.featureName]-a.P3[t.featureName])),r.forEach((r=>{if(!t[r.featureName]&&r.featureName!==a.K7.pageViewEvent)return;if(this.runSoftNavOverSpa&&r.featureName===a.K7.spa)return;if(!this.runSoftNavOverSpa&&r.featureName===a.K7.softNav)return;const n=function(e){switch(e){case a.K7.ajax:return[a.K7.jserrors];case a.K7.sessionTrace:return[a.K7.ajax,a.K7.pageViewEvent];case a.K7.sessionReplay:return[a.K7.sessionTrace];case a.K7.pageViewTiming:return[a.K7.pageViewEvent];default:return[]}}(r.featureName).filter((e=>!(e in this.features)));n.length>0&&(0,e.R)(36,{targetFeature:r.featureName,missingDependencies:n}),this.features[r.featureName]=new r(this)}))}catch(t){(0,e.R)(22,t);for(const e in this.features)this.features[e].abortHandler?.();const r=(0,h.Zm)();delete r.initializedAgents[this.agentIdentifier]?.api,delete r.initializedAgents[this.agentIdentifier]?.features,delete this.sharedAggregator;return r.ee.get(this.agentIdentifier).abort(),!1}}}({features:[A,k,j],loaderType:"lite"})})()})();</script> <div class="dialog-off-canvas-main-canvas" data-off-canvas-main-canvas> <header class="header" lang="en-GB"> <div class="container"> <div class="row"> <div class="col-xs-12 col-sm-4 header__logo-col"> <a class="header__logo navbar-btn pull-left" href="/" title="Home"> <img src="/themes/custom/fca/images/logo.png" alt="Home" width="210" height="66"> </a> </div> <div class="col-md-8 col-sm-8 header__nav-col"> <div class="row header__nav-search"> <div id="block-fca-funnelback-fca-funnelback-search-box" class="block block-fca-funnelback clearfix col-xs-12 col-md-6 header__nav-search-block"> <section class="fca-funnelback-search-form block block-fca-funnelback block-funnelback-search-block clearfix" data-drupal-selector="fca-funnelback-search-form" id="block-funnelbacksearchblock"> <form action="/firms/access-to-cash?fca_action=search" method="post" id="fca-funnelback-search-form" accept-charset="UTF-8"> <div class="input-group search-input-group"> <label class="sr-only" for="edit-search-term"> Search </label> <input title="Search" placeholder="Search" class="funnelback-query form-text form-control" data-drupal-selector="edit-search-term" type="text" id="edit-search-term" name="search_term" value="" size="60" maxlength="128" /> <span class="input-group-btn"> <button aria-label="Search" title="Submit" class="form-submit btn--search text-hide button js-form-submit form-submit btn-primary btn icon-before" id="edit-submit--funnelback_search_form" data-drupal-selector="edit-submit" type="submit" name="op" value="Search"><span class="icon glyphicon glyphicon-search" aria-hidden="true"></span> Search</button> </span> </div> <input data-drupal-selector="form-q4-ehabh-zzorh6do3-dfe5clkznlx9uodwvczivi-8" type="hidden" name="form_build_id" value="form-Q4_EhaBh_ZzORh6do3-dfe5cLkZnLX9UOdwVCziVI_8" /><input data-drupal-selector="edit-fca-funnelback-search-form" type="hidden" name="form_id" value="fca_funnelback_search_form" /> </form> </section> </div> </div> </div> <div class="col-md-10 header__nav-col header__nav-menu"> <div class="row header__nav-wrapper"> <nav class="navbar navbar-default header__nav-navigation" aria-labelledby="navbar-collapse"> <div class="navbar-header"> <button type="button" class="navbar-toggle menu-icon" data-toggle="collapse" data-target=".navbar-collapse"> <span class="sr-only">Toggle navigation</span> <span class="icon-bar"></span> <span class="icon-bar"></span> <span class="icon-bar"></span> </button> </div> <div class="navbar-collapse collapse" id="navbar-collapse"> <section class="block-tb-megamenu-main-menu"> <div class="tb-megamenu tb-megamenu-main-menu"> <nav aria-labelledby="block-fca-main-menu-menu" id="block-fca-main-menu"> <p class="sr-only" id="block-fca-main-menu-menu">Main navigation</p> <div class="always-show"> <ul class="tb-megamenu-nav nav level-0 items-6 list-inline mega-menu" lang="en-GB"> <li class="first tb-megamenu-item level-1 mega dropdown col-xs-12 col-sm-2 mega-menu__level-one-item mega-menu__about-us"> <a href="/about" class="dropdown-toggle mega-menu__level-one-link" data-drupal-link-system-path="node/98011">About us</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-74857083e9a563d24344ef3c82dcf6dffb17a0d19f6ce35fa100b91d154b24f7"> <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-c16e9c9c7c7803b5c78a083fcea188e2ced8b6a5c8331b547de8032aba38e2e6"> <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-bb0a8a87776f1618dd5bb907dc79be7207327e6ea5c9c7249070003e9a529ca9"> <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-96d08f685b742208fdb70d17a345e6fbd2974171b5027fab3388204c65ceb0f0"> <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-8dd36d77b655d82e6b38338a008c042c1a506de456c2e36df4770abb4f1f15cf"> <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-73bbf356e85f59c62e4a2a292266730fc2de6e53002c2a115070ec2769b4d948"> <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-1721b84004a87a69ca2691c817f12107b8220dc9abb4732ce4e16d93a43b7804"> </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-85b62d21fd9ffef7464c33335ce5ee9e851f7d73c3641ef08be9f300de03c327"> <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-a6f9238210638ed871993382d511142854c33c440c00c1440b362b6c89bbcbe7"> <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-1961d350bdc5e8fd1c71071be208c203590617195e1d79d92f3862cb4e44265a 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-6550b057a23b79b5013e2b2cc407f5bf9a09a03e51261f3d6edfc7c8fd56136a"> <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-0641b658d4b385ef46f8ce4cd3c6bc0581c65dd260ad7754d04af43024cd6777"> <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-d301a88e5e0143be77368742e44f9b76a8d758b6ef87bdd6d746065e5a0fcbdf"> <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 view-id-megamenu_promo_content view-display-id-block js-view-dom-id-b0c826523cc22e9c82b4bee9ef0274513a153991acb8050f1ca3fddabf9df3c3"> </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">Primary markets</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-a08fed8db019add32ae8f362638a3ad17cca34af9c0f952cd8e5173ad1593a4f"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/markets/primary-markets/forms" hreflang="en">Forms and checklists</a></li> <li class="menu--item"><a href="/markets/primary-markets/knowledge-base" hreflang="en">Knowledge Base</a></li> <li class="menu--item"><a href="/markets/primary-markets/listing-applications" hreflang="en">Listing applications and cancellations</a></li> <li class="menu--item"><a href="/markets/ukla/regulatory-disclosures" hreflang="en">Regulatory Disclosures</a></li> <li class="menu--item"><a href="/markets/primary-markets/sponsor-regime" hreflang="en">The sponsor regime</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">Markets policy</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-4ae051aa98fb1339289d54257c0a968d7fb550a34e112a57efb2a8e78f16be5b"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/markets/libor-transition" hreflang="en">About LIBOR transition</a></li> <li class="menu--item"><a href="/markets/data-reporting-services-providers-drsps" hreflang="en">Data reporting services providers</a></li> <li class="menu--item"><a href="/markets/securitisation" hreflang="en">Securitisation</a></li> <li class="menu--item"><a href="/markets/uk-emir" hreflang="en">UK EMIR</a></li> <li class="menu--item"><a href="/markets/sftr" hreflang="en">UK Securities Financing Transactions Regulation (UK SFTR)</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 markets</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-621bbfa65af552c6245b0f814dacfc5b51113d25189274b2d9bcae64dbc8321d"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/markets/benchmarks" hreflang="en">Benchmarks</a></li> <li class="menu--item"><a href="/markets/central-securities-depositories" hreflang="en">Central securities depositories</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">Market abuse</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-ca13b9f57e400032a93312c4d3164c54cf35e3c0b31f8a72e128b35f3a3e0f3c"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/markets/market-abuse/how-report-suspected-market-abuse-firm-or-trading-venue" hreflang="en">How to report suspected market abuse as a firm or trading venue</a></li> <li class="menu--item"><a href="/markets/market-abuse/how-report-suspected-market-abuse-individual" hreflang="en">How to report suspected market abuse as an individual</a></li> <li class="menu--item"><a href="/markets/market-abuse/regulation" hreflang="en">Market Abuse Regulation</a></li> <li class="menu--item"><a href="/markets/market-abuse/polling-and-market-abuse-regulation" hreflang="en">Polling and Market Abuse Regulation</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">Short selling</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-d90670a3d016617a7b574beb7dde6c21c3e599a18ccf8c79a0b65dbe9827733d"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/markets/short-selling/exemptions-requirements" hreflang="en">Exemptions from short-selling requirements</a></li> <li class="menu--item"><a href="/markets/short-selling/notification-disclosure-net-short-positions" hreflang="en">Notification and disclosure of net short positions</a></li> <li class="menu--item"><a href="/markets/short-selling" hreflang="en">Short selling</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">Transaction reporting</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-0a42013d868f806ade5a323917066a35fbbfe3215e0db11a0388c0f4a72e5c6d"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/markets/transaction-reporting/instrument-reference-data" hreflang="en">Instrument reference data</a></li> <li class="menu--item"><a href="/markets/transaction-reporting" hreflang="en">Transaction reporting</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-1ecaedfdcc23e7dad51871dcfcb352094dbfc00b4b0b261228466a039c265295"> </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__consumers"> <a href="/consumers" class="dropdown-toggle mega-menu__level-one-link" data-drupal-link-system-path="node/2901">Consumers</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-3b81fda10b1f6fd2a069b3f07edd16666ecf66411bfd309519483908bd450b9d"> <h3 class="promo-block__title heading__underline">Our Consumer section</h3> <div class="view-content"> <div style="background-image: url(https://www.fca.org.uk/sites/default/files/styles/no_style/public/media/images/megamenu-promo-consumers-326_151.jpg?itok=TUo8zN9W);" class="megamenu-promo__image" > </div> <div class="views-row"><div class="promo-block__copy"><p>See our dedicated section to help you stay up-to-date with financial services in the UK.</p> <p> </p> </div><a href="/consumers" class="promo-block__read-more btn btn--arrow-right" aria-label="Our Consumer section - 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"><span class="no-link">Your rights</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-74073d0ba009f700b26108761b9eae28bb38082d076d4d2bead06f801245063b"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/consumers/check-if-firm-fca-authorised" hreflang="en">Check if a firm is authorised</a></li> <li class="menu--item"><a href="/consumers/pension-transfer-defined-benefit" hreflang="en">Considering a defined benefit pension transfer</a></li> <li class="menu--item"><a href="/consumers/high-risk-investments" hreflang="en">High risk investments</a></li> <li class="menu--item"><a href="/consumers/information-victims-financial-crime" hreflang="en">Information for victims of financial crime</a></li> <li class="menu--item"><a href="/consumers/using-financial-services-register" hreflang="en">Using the Financial Services Register</a></li> <li class="menu--item"><a href="/consumers/your-rights-financial-services" hreflang="en">Your rights with financial services</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">Complaints</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-28ad61fd8c42df50e3d01c62cdc19f03dd53c0b50e3b29523d6f169d7e67b078"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/consumers/complain-about-regulator" hreflang="en">Complain about a regulator</a></li> <li class="menu--item"><a href="/consumers/claim-compensation-firm-fails" hreflang="en">How to claim compensation if a firm fails</a></li> <li class="menu--item"><a href="/consumers/how-complain" hreflang="en">How to complain</a></li> <li class="menu--item"><a href="/consumers/using-claims-management-companies" hreflang="en">Using claims management companies</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">Scams</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-3c52fd6c5cd706e944bd29e29c9c91d0c893dd832069647339c06660b098f383"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/consumers/crypto-investment-scams" hreflang="en">Crypto investment scams</a></li> <li class="menu--item"><a href="/consumers/fake-fca-communications" hreflang="en">Fake FCA communications</a></li> <li class="menu--item"><a href="/consumers/loan-fee-fraud" hreflang="en">Loan fee fraud</a></li> <li class="menu--item"><a href="/consumers/pension-scams" hreflang="en">Pension scams</a></li> <li class="menu--item"><a href="/consumers/protect-yourself-scams" hreflang="en">Protect yourself from scams</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">Report a firm</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-c3f7b6d4a672f62cb20849fe35a119c650da0eab2a3f197b6db8d5d26e4b8a04"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/consumers/misleading-financial-promotions" hreflang="en">Misleading financial promotions</a></li> <li class="menu--item"><a href="/consumers/how-complain/report-payment-services-e-money-firm" hreflang="en">Report a payment services or e-money firm</a></li> <li class="menu--item"><a href="/consumers/report-scam" hreflang="en">Report a scam</a></li> <li class="menu--item"><a href="/consumers/unfair-contracts" hreflang="en">Unfair contracts</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-6b5c845d74d5cab07187005ed6fd656e870839a8383deb00f237594bd881b9c7"> <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-warnings-350_78.jpg?itok=w6yre39y);" class="megamenu-footer__image" > </div> <div class="views-row"><div class="megamenu-footer__copy"><p class="megamenu-footer__title">FCA Warning List </p> <p>Find our most up-to-date warnings of firms and individuals running scams or operating without authorisation.</p> </div><a href="/consumers/warning-list-unauthorised-firms" class="megamenu-footer__read-more btn btn--arrow-right" aria-label="FCA Warning List - Read more">Read more</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__news"> <a href="/news" class="dropdown-toggle mega-menu__level-one-link" data-drupal-link-system-path="node/11876">News</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-a4e279fc5a7b3b6d60930494b3703003770a17c7ecac43c33314789f23135a4a"> <h3 class="promo-block__title heading__underline">Sign up to receive daily alerts on the warnings we issue</h3> <div class="view-content"> <div class="views-row"><div class="promo-block__copy"><p>Receive new and updated warnings in a daily email.</p> <p> </p> </div><a href="/sign-fca-warnings-list-daily-alerts" class="promo-block__read-more btn btn--arrow-right" aria-label="Sign up to receive daily alerts on the warnings we issue - Sign up">Sign up</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="/news" hreflang="en">News</a></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-489e747e615bd44a1fc10528e0f92ee0d8191621ee51110150c3c4d55b5496d4"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/news/blogs/blogs" hreflang="en">Blogs</a></li> <li class="menu--item"><a href="/news/news-stories/news-stories" hreflang="en">News stories</a></li> <li class="menu--item"><a href="/news/press-releases/press-releases" hreflang="en">Press releases</a></li> <li class="menu--item"><a href="/news/speeches/speeches" hreflang="en">Speeches</a></li> <li class="menu--item"><a href="/news/statements/statements" hreflang="en">Statements</a></li> <li class="menu--item"><a href="/news/warnings/warnings" hreflang="en">Warnings</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">Media centre</span></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-97cd1dec76a2b8010b44b206b01035d5fe646c61ce9fe8d590183f946c52599d"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/news/news-stories/inside-fca-podcasts" hreflang="en">Inside FCA podcasts</a></li> <li class="menu--item"><a href="/news/news-stories/media-library" hreflang="en">Media library</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="/events" hreflang="en">Events</a></h4><div class="view view-megamenu-block-items view-id-megamenu_block_items view-display-id-default js-view-dom-id-195d8bf3bc97c3cc11bf4be7c0576d6d54f0fa400a3aa4809baec1a65399e44b"> <div class="view-content"> <div class="item-list"> <ul> <li class="menu--item"><a href="/news/news-stories/see-all-fca-events" hreflang="en">See all FCA events</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-872f2e9e1e965d39922b7f4d46df57e44c901b3e07772bd6a8ed3edbb97e036c"> </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="last tb-megamenu-item level-1 mega dropdown col-xs-12 col-sm-2 mega-menu__level-one-item mega-menu__publications"> <a href="/publications" class="dropdown-toggle mega-menu__level-one-link" data-drupal-link-system-path="node/6011">Publications</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 view-id-megamenu_promo_content view-display-id-block js-view-dom-id-e9800610eba853a7f436fd2180225e48a95bfea912c1446d1b9405f316f6afc2"> </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"><a href="/publications/search-results?p_search_term=%20&category=policy%20and%20guidance%2Cpolicy%20and%20guidance-calls%20for%20input%2Cpolicy%20and%20guidance-consultation%20papers%2Cpolicy%20and%20guidance-discussion%20papers%2Cpolicy%20and%20guidance-feedback%20statements%2Cpolicy%20and%20guidance-finalised%20guidance%2Cpolicy%20and%20guidance-guidance%20consultations%2Cpolicy%20and%20guidance-good%20and%20poor%20practice%2Cpolicy%20and%20guidance-handbook%2Cpolicy%20and%20guidance-market%20studies%2Cpolicy%20and%20guidance-multi-firm%20reviews%2Cpolicy%20and%20guidance-newsletters%2Cpolicy%20and%20guidance-policy%20statements%2Cpolicy%20and%20guidance-thematic%20reviews&sort_by=dmetaZ">Policy and guidance</a></span></h4></div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link"><a href="/publications/search-results?category=corporate%20documents%2Ccorporate%20documents-annual%20reports%2Ccorporate%20documents-business%20plans%2Ccorporate%20documents-corporate%20documents%2Ccorporate%20documents-impact%20assessments%2Ccorporate%20documents-memorandums%20of%20understanding%2Ccorporate%20documents-correspondence%2Ccorporate%20documents-foi%20releases%2Ccorporate%20documents-meeting%20minutes&start=1">Corporate documents</a></span></h4></div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link"><a href="/publications/search-results?p_search_term&category=notices%20and%20decisions-decision%20notices%2Cnotices%20and%20decisions-libor%20notices%2Cnotices%20and%20decisions-final%20notices%2Cnotices%20and%20decisions-warning%20notices%2Cnotices%20and%20decisions-supervisory%20notices%2Cnotices%20and%20decisions-cancellation%20notices%2Cnotices%20and%20decisions-requirement%20notices%2Cnotices%20and%20decisions-temporary%20product%20interventions%2Cnotices%20and%20decisions-undertakings%2Cnotices%20and%20decisions-waivers%20and%20crr%20notices">Notices and decisions</a></span></h4></div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link"><a href="/data">Data</a></span></h4></div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link"><a href="/research">Research</a></span></h4></div> <div class="megamenu-category col-sm-4 col-lg-4"><h4 class="menu__heading heading__underline"><span class="no-link"><a href="/publications/search-results?start=1&category=forms">Forms</a></span></h4></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-ece3dfdcca152fea7e22354dc1b97fa50401b8b284907668b636c3bb93a2766a"> </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> </ul> </div> </nav> </div> </section> </div> </nav> </div> </div> </div> </div> </header>  <div class="container" aria-label="Breadcrumb trail"> <div class="breadcrumb-wrapper"> <ol class="breadcrumb"> <li><a href="/">Home</a></li> <li><a href="/firms">Firms</a></li> <li class="active">Helping people access cash</li> </ol> </div> </div> <div role="main" class="main-container js-quickedit-main-content"> <section> <div 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="71416" about="/firms/access-to-cash" class="article-header col-xs-12 four-step-limit col-sm-9"> <h1 class="page-header"> <span>Helping people access cash</span> </h1> <div class="article-meta " > <span class="pubdate">First published: <time datetime="2020-11-05T14:01:25Z">05/11/2020</time> </span> <span class="pubdate latest">Last updated: <span class="date">09/09/2024</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="71416" about="/firms/access-to-cash" 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>We're committed to ensuring consumers and businesses can access the cash they need. We're using our powers to act where we find or anticipate significant issues.</p> </div> </section> <div class="rhn__on-this-page visible-xs rhn__on-this-page--firms"> <h3>On this page <img src="/themes/custom/fca/images/document-blue.svg" alt="document icon"></h3> <ul class="nav navbar-nav"><li><a href="#section-our-new-access-to-cash-rules">Our new access to cash rules</a></li><li><a href="#section-why-access-to-cash-is-important">Why access to cash is important</a></li><li><a href="#section-branch-closures">Branch closures</a></li><li><a href="#section-next-steps">Next steps</a></li><li><a href="#section-the-story-so-far">The story so far</a></li><li><a href="#section-ongoing-assessment-of-the-uk-s-cash-infrastructure">Ongoing assessment of the UK’s cash infrastructure</a></li></ul> </div> <section id="section-our-new-access-to-cash-rules" class="copy-block fca-innovation"> <div class="container"> <div class="copy-block__call-out"><strong>Update:</strong> on 24 July 2024, we published <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="746abb92-fa73-4705-a50a-4ff47ce8bab3" href="/publications/policy-statements/ps24-8-access-cash" title="PS24/8: Access to cash">our new rules</a> to protect access to cash using the powers given to us in the Financial Services and Markets Act 2023.</div> <h2>Our new access to cash rules</h2> <p>On 24 July 2024, we published our <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="746abb92-fa73-4705-a50a-4ff47ce8bab3" href="/publications/policy-statements/ps24-8-access-cash" title="PS24/8: Access to cash">Access to cash Policy Statement</a>.</p> <p>Our rules aim to address the cash access needs of consumers and businesses in local communities by requiring designated firms to assess and plug gaps in local cash provision.</p> <p>Our new rules come into force on 18 September 2024.</p> <p>The banks and building societies designated by the Treasury will have to:  </p> <ul> <li>assess cash access and understand if additional services are needed, when changes are being made to local cash access services    </li> <li>respond to local residents, community organisations and representative groups, who’ll be able to request an assessment of whether there are gaps in local cash access</li> <li>deliver reasonable additional cash services, where significant gaps are found</li> <li>keep facilities, including bank branches and ATMs, open until additional cash services identified are available</li> </ul> <p>Designated firms should speak to their supervisory contact if they have any queries in relation to access to cash.</p> </div> </section> <section id="section-why-access-to-cash-is-important" class="copy-block fca-innovation"> <div class="container"> <h2>Why access to cash is important</h2> <p>Our Financial Lives 2022 survey found that 6% of adults in the UK used cash to pay for everything or most things over the 12 months since May 2021, with this figure increasing (9%) for those in vulnerable circumstances.</p> <p>Our data shows that most people currently have reasonable access to cash. As of <a href="/publications/data/access-cash-coverage-uk-2023-q2" data-entity-type="node" data-entity-uuid="df4c7e25-1286-4a57-9788-d56f9099466e" data-entity-substitution="canonical" title="Access to cash coverage in the UK 2023 Q2">Q2 2023</a>, 95.0% of the UK population are within 1 mile of a free-to-use cash withdrawal point, such as cash machines, Post Office branches or bank/building society branches, and 99.7% of the UK population are within 3 miles of a free-to-use cash access point.</p> <p>But, the long-term decline in the use of cash through technological and social change has made it more expensive for individual firms to maintain their existing infrastructure, in response we updated our guidance to deliver good customer outcomes when branches are closed.</p> <p>Along with the Payment Systems Regulator (PSR), the Bank of England and the Treasury, we are committed to protecting access to cash – particularly for consumers in vulnerable circumstances who rely on it.<span style="color:#3f3f3f;font-family:"Verdana",sans-serif;font-size:10.5pt;line-height:107%;"> </span>This is part of our business plan commitment to put consumers' needs first and to ensure they can access the cash they need<font face="Verdana, sans-serif"><span style="font-size:14px;">.</span></font></p> </div> </section> <section id="section-branch-closures" class="copy-block fca-innovation"> <div class="container"> <h2 class="paragraph">Branch closures</h2> <p>Our new powers focus on access to cash rather than wider banking services, and don’t prevent bank branches from closing. However, our new rules will have an impact where branch closures leave significant gaps in communities' cash services. </p> <p>We continue to supervise bank branch and ATM closures or conversions to ensure customers receive good outcomes as required under the <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="e5bb7759-5280-47dd-9a7d-b841fc98f00d" href="/firms/consumer-duty" title="Consumer Duty">Consumer Duty</a>.</p> <p>We updated our <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="3fed30e9-c742-42af-b0c2-c549712a3752" href="/publications/finalised-guidance/fg22-6-branch-and-atm-closures-or-conversions" title="FG22/6: Branch and ATM closures or conversions">guidance</a> for firms in October 2022. We also shared information on the <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="d6bfdbd8-ad03-4f1e-98af-5bf4c20b5747" href="/firms/future-access-cash/branch-atm-closures-good-practice-areas-improvement" title="Branch and ATM closures or conversions; good practice and areas for improvement">good practice and areas for improvement</a> we have identified when supervising firms planning branch or ATM closures or conversions.</p> </div> </section> <section id="section-next-steps" class="copy-block fca-innovation"> <div class="container"> <h2>Next steps</h2> <p>Our new rules come into force on 18 September 2024.</p> <p>We will continue to <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="5777f977-6ec4-4f6f-93ca-3e488d5d031b" href="/firms/helping-people-access-cash/previous-access-cash-coverage-data" title="Previous access to cash coverage data">publish updates</a> about access to cash coverage to inform our policy work and to ensure we can act quickly if we see problems emerging. More on our research and data publications is set out below.</p> </div> </section> <section id="section-the-story-so-far" class="copy-block fca-innovation"> <div class="container"> <h2>The story so far</h2> <p>In August 2023, we published our <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="5ae83f5d-2131-4a32-9931-1d7c734e35db" href="/news/statements/financial-services-markets-act-2023-gives-fca-new-powers-protect-access-cash" title="Financial Services & Markets Act 2023 gives FCA new powers to protect access to cash ">Cash Access Policy Statement</a> setting out our overall approach to cash access in the UK.  </p> <p>As part of the <a href="https://www.gov.uk/government/publications/joint-authorities-cash-strategy-group-update" target="_blank">Joint Authorities Cash Strategy Group</a>, alongside the Bank of England and the Treasury, the FCA and PSR have collected evidence, data and research to support individual and collaborative work on access to cash.</p> <p>During the pandemic, along with the PSR, we worked with industry to address the challenges of ensuring cash access for the people who want to use it. As a result, even at the height of the pandemic no more than 0.1% of the UK population lost access to a source of cash within 3 miles. We published a short <a href="https://www.fca.org.uk/news/news-stories/identifying-and-managing-access-cash-during-covid-19">statement</a> on this work in June 2020 and an <a href="https://www.fca.org.uk/insight/cash-and-covid-identifying-gaps-provision-during-covid-19">Insight article</a> in September 2020.</p> <p>In September 2020, we published <a href="https://www.fca.org.uk/publications/finalised-guidance/fg20-3-branch-and-atm-closures-or-conversions">guidance</a> setting out our expectation that firms should consider the impact of branch and ATM closures on their customers’ everyday banking needs and consider the availability and provision of alternatives. We have been supervising firms closely as they consider branch closures, assessing plans based on the risk of harm to consumers. In <a href="https://www.fca.org.uk/news/statements/banks-branch-closures-coronavirus-lockdown">January 2021</a>, we asked banks to pause closures where, due to the pandemic, they are unable to meet the expectations laid out in our guidance.</p> <p>In May 2021 we published a <a href="https://www.fca.org.uk/news/statements/access-cash-fca-psr-joint-statement">joint statement</a> on access to cash with the PSR to clarify that we expect firms to help protect access to cash and wider banking services in ways that meet consumers’ needs. Sheldon Mills, Executive Director of Consumers and Competition, also highlighted the importance of action by individual firms and the wider industry at the <a href="https://www.fca.org.uk/news/speeches/protecting-access-cash-banking-services">Which? Cash Summit in May 2021</a>.</p> <p>In July 2021, we published research commissioned by us to Savanta ComRes on trends in <a data-entity-substitution="canonical" data-entity-type="media" data-entity-uuid="765ec5f1-8518-4a34-a72b-59fac5de778b" href="/publication/research/understanding-cash-reliance-qualitative-research.pdf" title="understanding-cash-reliance-qualitative-research.pdf">consumers' use of cash</a> followed by research published in November 2021 on <a data-entity-substitution="canonical" data-entity-type="media" data-entity-uuid="b99c97af-44ff-4a9d-aad1-ba3baa7d6eb4" href="/publication/research/cash-acceptance-within-smes.pdf" title="cash-acceptance-within-smes.pdf">Small and Medium Sized businesses’ (SME) use and acceptance of cash</a>. This research gives us accurate data and evidence to inform our policy work on access to cash, enabling us to focus on those who need and use cash the most.</p> <p>In December 2021, we issued a <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="13356855-e8d4-4671-a591-c6fa1c2b1bb0" href="/news/statements/fca-and-psr-respond-announcement-cash-action-group-cag" title="FCA and PSR respond to announcement from Cash Action Group (CAG)">statement</a> welcoming the announcement that the Cash Action Group had created an independent co-ordinating body to assess the needs of local communities and direct cash solutions including shared banking hubs.</p> <p>The Treasury published a <a href="https://www.gov.uk/government/publications/cash-access-policy-statement/cash-access-policy-statement">Cash Access Policy Statement</a> on 18 August 2023. We published our <a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="5ae83f5d-2131-4a32-9931-1d7c734e35db" href="/news/statements/financial-services-markets-act-2023-gives-fca-new-powers-protect-access-cash" title="Financial Services & Markets Act 2023 gives FCA new powers to protect access to cash ">own statement</a> on the same day, which set out our overall approach to cash access in the UK (including how we've considered the Treasury’s Policy Statement), as well as next steps.   </p> <p>The Financial Services and Markets Act received Royal Assent on 29 June 2023. It requires us to seek to ensure the reasonable provision of cash withdrawal and deposit services for personal and business current accounts across the UK.  </p> <p>The Act gave us new powers, in particular to act where we find or anticipate there will be shortages in cash access services which would have a significant impact on local areas. </p> <p>In December 2023, we published our <a data-entity-substitution="canonical" data-entity-type="media" data-entity-uuid="a6f81f8a-84f9-4455-9d46-faca81c9afa2" href="/publication/consultation/cp23-29.pdf" title="cp23-29.pdf">consultation (PDF)</a> on the rules we proposed to make under the new powers in the Financial Services and Markets Act 2023. This consultation closed in February 2024. </p> <p>In May 2024, the <a href="https://www.gov.uk/government/publications/access-to-cash-designation">Treasury announced the designation</a> of the banks and building societies that will be subject to our new rules, as well as the designation of an operator of cash access coordination arrangements. </p> </div> </section> <section id="section-ongoing-assessment-of-the-uk-s-cash-infrastructure" class="copy-block fca-innovation"> <div class="container"> <h2>Ongoing assessment of the UK’s cash infrastructure</h2> <div class="copy-block__call-out"> <p>The FCA and PSR also provide quarterly updates on the assessment of the UK’s Cash infrastructure:</p> <ul> <li><a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="036de2de-a775-4780-b16e-3b7f7e518ba0" href="/data/access-cash-coverage-uk-2021-q1" title="Access to cash coverage in the UK 2021 Q1">Access to cash update – Q1 2021 (Jan-Mar)</a></li> <li><a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="d8d50d19-dcb5-4b4f-846a-8bc3fa43bcf1" href="/data/access-cash-coverage-uk-2021-q2" title="Access to cash coverage in the UK 2021 Q2">Access to cash update – Q2 2021 (Apr-Jun)</a></li> <li><a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="a37be910-2626-44a9-aac2-8c0396730036" href="/data/access-cash-coverage-uk-2021-q3" title="Access to cash coverage in the UK 2021 Q3">Access to cash update - Q3 2021 (Jul-Sep)</a></li> <li><a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="6f916378-cda8-46dd-a472-4be9165078b1" href="/data/access-cash-coverage-uk-2021-q4" title="Access to cash coverage in the UK 2021 Q4">Access to cash update - Q4 2021 (Oct-Dec)</a></li> <li><a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="86af2c0b-c8a7-4342-b1fe-65c734025730" href="/data/access-cash-coverage-uk-2022-q1" title="Access to cash coverage in the UK 2022 Q1">Access to cash update – Q1 2022 (Jan-Mar)</a></li> <li><a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="e2336551-063b-4460-8980-2d95033e3b5e" href="/data/access-cash-coverage-uk-2022-q2" title="Access to cash coverage in the UK 2022 Q2">Access to cash update – Q2 2022 (Apr-Jun)</a></li> <li><a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="c424a3b9-fb59-49f5-8fb5-45e5000c7402" href="/data/access-cash-coverage-uk-2022-q4" title="Access to cash coverage in the UK 2022 Q4">Access to cash update – Q4 2022 (Oct-Dec)</a></li> <li><a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="2833b5b3-d19d-4e21-8982-9844cd889198" href="/data/access-cash-coverage-uk-2023-q1" title="Access to cash coverage in the UK 2023 Q1">Access to cash update – Q1 2023 (Jan-Mar)</a></li> <li><a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="df4c7e25-1286-4a57-9788-d56f9099466e" href="/publications/data/access-cash-coverage-uk-2023-q2" title="Access to cash coverage in the UK 2023 Q2">Access to cash update – Q2 2023 (Apr-Jun)</a></li> </ul> </div> </div> </section> <div class="node_view"></div> <div id="revisions" class="page-revisions container"> <button class="h3 page-revisions__title" aria-expanded="false">Page updates</button> <div class="view view-page-update-revision-logs view-id-page_update_revision_logs view-display-id-revision_log js-view-dom-id-56718fe8d8bbfac009fe1752c7a280013deeafdcad9c1b0283a67205dd2d6b61"> <div class="view-content"> <div class="views-row"><span class="views-field views-field-changed"><span class="field-content"><time datetime="2024-09-09T15:54:41+01:00">09/09/2024</time> : </span></span><span class="views-field views-field-fca-log"><strong class="field-content">Editorial amendment</strong></span><span class="views-field views-field-revision-log"><span class="field-content"> typo corrected</span></span></div> <div class="views-row"><span class="views-field views-field-changed"><span class="field-content"><time datetime="2024-07-24T09:04:21+01:00">24/07/2024</time> : </span></span><span class="views-field views-field-fca-log"><strong class="field-content">Information added</strong></span><span class="views-field views-field-revision-log"><span class="field-content"> on our new access to cash rules</span></span></div> <div class="views-row"><span class="views-field views-field-changed"><span class="field-content"><time datetime="2024-04-02T13:53:02+01:00">02/04/2024</time> : </span></span><span class="views-field views-field-fca-log"><strong class="field-content">Link changed</strong></span><span class="views-field views-field-revision-log"><span class="field-content"> External link corrected</span></span></div> <div class="views-row"><span class="views-field views-field-changed"><span class="field-content"><time datetime="2023-09-27T11:50:09+01:00">27/09/2023</time> : </span></span><span class="views-field views-field-fca-log"><strong class="field-content">Information added</strong></span><span class="views-field views-field-revision-log"><span class="field-content"> on our Cash Access Policy Statement and 2022 figures on access to free withdrawal options</span></span></div> <div class="views-row"><span class="views-field views-field-changed"><span class="field-content"><time datetime="2023-07-10T15:29:03+01:00">10/07/2023</time> : </span></span><span class="views-field views-field-fca-log"><strong class="field-content">Link changed</strong></span><span class="views-field views-field-revision-log"><span class="field-content"> external link corrected</span></span></div> <div class="views-row"><span class="views-field views-field-changed"><span class="field-content"><time datetime="2023-06-29T15:45:20+01:00">29/06/2023</time> : </span></span><span class="views-field views-field-fca-log"><strong class="field-content">Information added</strong></span><span class="views-field views-field-revision-log"><span class="field-content"> following Royal Assent</span></span></div> <div class="views-row"><span class="views-field views-field-changed"><span class="field-content"><time datetime="2023-01-25T17:52:27+00:00">25/01/2023</time> : </span></span><span class="views-field views-field-fca-log"><strong class="field-content">Editorial amendment</strong></span><span class="views-field views-field-revision-log"><span class="field-content"> page updated as part of website refresh</span></span></div> <div class="views-row"><span class="views-field views-field-changed"><span class="field-content"><time datetime="2022-10-11T10:07:55+01:00">11/10/2022</time> : </span></span><span class="views-field views-field-fca-log"><strong class="field-content">Information changed</strong></span><span class="views-field views-field-revision-log"><span class="field-content"> General update to page</span></span></div> <div class="views-row"><span class="views-field views-field-changed"><span class="field-content"><time datetime="2021-12-15T08:00:05+00:00">15/12/2021</time> : </span></span><span class="views-field views-field-fca-log"><strong class="field-content">Information added</strong></span><span class="views-field views-field-revision-log"><span class="field-content"> Update added linking to 15 December statement.</span></span></div> </div> </div> </div> <div class="page-feedback container"> <form class="webform-submission-form webform-submission-add-form webform-submission-page-feedback-form-form webform-submission-page-feedback-form-add-form webform-submission-page-feedback-form-node-71416-form webform-submission-page-feedback-form-node-71416-add-form js-webform-details-toggle webform-details-toggle webform-client-form webform-client-form- feedback-form fca-custom-form webform-conditional-processed" data-drupal-selector="webform-submission-page-feedback-form-node-71416-add-form" novalidate="novalidate" action="/firms/access-to-cash#webform-submission-page-feedback-form-node-71416-add-form" method="post" id="webform-submission-page-feedback-form-node-71416-add-form" accept-charset="UTF-8" > <fieldset data-drupal-selector="edit-radios" class="radios--wrapper fieldgroup form-composite webform-composite-visible-title js-webform-type-radios webform-type-radios js-form-item form-item js-form-wrapper form-wrapper" id="edit-radios--wrapper"> <legend id="edit-radios--wrapper-legend"> <span class="fieldset-legend">Was this page useful?</span> </legend> <div class="fieldset-wrapper"> <div id="edit-radios" class="js-webform-radios webform-options-display-side-by-side"><div class="form-item js-form-item form-type-radio js-form-type-radio form-item-radios js-form-item-radios radio"> <label for="edit-radios-yes" class="control-label option"><input data-drupal-selector="edit-radios-yes" class="form-radio" type="radio" id="edit-radios-yes" name="radios" value="Yes" /><span class="fca-custom-label">Yes </span></label> </div> <div class="form-item js-form-item form-type-radio js-form-type-radio form-item-radios js-form-item-radios radio"> <label for="edit-radios-no" class="control-label option"><input data-drupal-selector="edit-radios-no" class="form-radio" type="radio" id="edit-radios-no" name="radios" value="No" /><span class="fca-custom-label">No </span></label> </div> </div> </div> </fieldset> <div class="js-webform-states-hidden form-item js-form-item form-type-textarea js-form-type-textarea form-item-what-can-we-do-to-improve-pages-like-this- js-form-item-what-can-we-do-to-improve-pages-like-this- form-group"> <label for="edit-what-can-we-do-to-improve-pages-like-this-" class="control-label">What can we do to improve pages like this? </label> <div class="form-textarea-wrapper"> <textarea data-drupal-selector="edit-what-can-we-do-to-improve-pages-like-this-" class="form-textarea form-control resize-vertical" data-drupal-states="{"visible":{".webform-submission-page-feedback-form-node-71416-add-form :input[name=\u0022radios\u0022]":{"value":"No"}}}" id="edit-what-can-we-do-to-improve-pages-like-this-" name="what_can_we_do_to_improve_pages_like_this_" rows="5" cols="60"></textarea> </div> </div> <div class="js-webform-states-hidden form-item js-form-item form-type-textarea js-form-type-textarea form-item-what-did-you-find-helpful- js-form-item-what-did-you-find-helpful- form-group"> <label for="edit-what-did-you-find-helpful-" class="control-label">What did you find helpful?</label> <div class="form-textarea-wrapper"> <textarea data-drupal-selector="edit-what-did-you-find-helpful-" class="form-textarea form-control resize-vertical" data-drupal-states="{"visible":{".webform-submission-page-feedback-form-node-71416-add-form :input[name=\u0022radios\u0022]":{"value":"Yes"}}}" id="edit-what-did-you-find-helpful-" name="what_did_you_find_helpful_" rows="5" cols="60"></textarea> </div> </div> <input data-drupal-selector="edit-page-title" type="hidden" name="page_title" value="Helping people access cash" /><input data-drupal-selector="edit-page-url" type="hidden" name="page_url" value="https://www.fca.org.uk/firms/access-to-cash " /><div class="js-webform-states-hidden form-actions webform-actions clearfix fca-form-submit form-group js-form-wrapper form-wrapper" data-drupal-selector="edit-actions" data-drupal-states="{"visible":{".webform-submission-page-feedback-form-node-71416-add-form :input[name=\u0022radios\u0022]":{"checked":true}}}" id="edit-actions"><button class="webform-button--submit button button--primary js-form-submit form-submit btn-primary btn" data-drupal-selector="edit-actions-submit" type="submit" id="edit-actions-submit" name="op" value="Submit Feedback">Submit Feedback</button> </div> <input data-drupal-selector="form-qozffb48ptysqtzvco-aztuijnmrcmyj5vnfonmgsc" type="hidden" name="form_build_id" value="form-_QOZFfB48ptYSQTZvco_aztuIJNMrcMyJ5VNFoNMgSc" /><input data-drupal-selector="edit-webform-submission-page-feedback-form-node-71416-add-form" type="hidden" name="form_id" value="webform_submission_page_feedback_form_node_71416_add_form" /> <div class="hidden captcha captcha-type-challenge--recaptcha" data-drupal-selector="edit-captcha"> <div class="captcha__element"> <input data-drupal-selector="edit-captcha-sid" type="hidden" name="captcha_sid" value="527389486" /><input data-drupal-selector="edit-captcha-token" type="hidden" name="captcha_token" value="I7JfiIeBIDwvJerS5hZ-QNz0sbmOtVcHBxWPKkbfh8o" /><input data-drupal-selector="edit-captcha-response" type="hidden" name="captcha_response" value="Google no captcha" /><div class="g-recaptcha" data-sitekey="6Le47iYpAAAAAKG4kzgfF0rSSqUn0ikhLYR739_7" data-theme="light" data-type="image"></div><input data-drupal-selector="edit-captcha-cacheable" type="hidden" name="captcha_cacheable" value="1" /> </div> </div> <div class="url_hp-textfield form-group js-form-wrapper form-wrapper" style="display: none !important;"><div class="form-item js-form-item form-type-textfield js-form-type-textfield form-item-url-hp js-form-item-url-hp form-group"> <label for="edit-url-hp" class="control-label">Leave this field blank</label> <input autocomplete="off" data-drupal-selector="edit-url-hp" class="form-text form-control" type="text" id="edit-url-hp" name="url_hp" value="" size="20" maxlength="128" /> </div> </div> </form> </div> </article> <div class="article-sidebar col-xs-12 col-sm-3 article-sidebar--firms article-sidebar--fca-innovation"> <div class="rhn article-sidebar__sticky" id="rhn"> <div class="header__social-links action-links" lang="en-GB"> <div class="row"> <div class="col-xs-6 col-md-4 col-lg-6 header__social-links--left header__social-links--left--mail"> <a id="printPageBtn" title="Print Page" aria-label="Print Page" href="/firms/access-to-cash/printable/print" target="_blank" class="header__print-page print-ignore">Print Page</a> </div> <div class="col-xs-6 col-md-8 col-lg-6 header__social-links--left"> <div class="links list-inline article-actions-list"> <div class="service-links-linkedin article-action"> <a href="https://www.linkedin.com/sharing/share-offsite?mini=true&url=https%3A//www.fca.org.uk/firms/access-to-cash&title=Helping%20people%20access%20cash&summary=&source=FCA" title="Publish this post to LinkedIn" aria-label="Publish this post to LinkedIn" class="service-links-linkedin sprites service-links w16 print-ignore" rel="nofollow" target="_blank"> <span class="sr-only">Linkedin</span> </a> </div> <div class="service-links-twitter article-action"> <a href="https://twitter.com/share?url=https%3A//www.fca.org.uk/firms/access-to-cash&text=Helping%20people%20access%20cash&summary=&source=FCA" title="Share this on Twitter" aria-label="Share this on Twitter" class="service-links-twitter sprites service-links w16 print-ignore" rel="nofollow" target="_blank"> <span class="sr-only">Twitter</span> </a> </div> <div class="email_share last article-action"> <a href="/cdn-cgi/l/email-protection#526d012730383731266f1a373e223b3c3577606222373d223e377760623331313721217760623133213a776062332677606214111374333f2269103d362b6f1b776062213325776062263a3b217760623d3c776062263a37776062141113776062253730213b2637776062333c36776062263a3d27353a267760622b3d277760623f3b353a2677606230377760623b3c26372037212637367760623a262622217761137d7d2525257c3431337c3d20357c27397d343b203f217d3331313721217f263d7f3133213a" title="Share with Email" aria-label="Share with Email" class="print_mail print-ignore" rel="nofollow"></a> </div> </div> <span class="header__social-share-txt" aria-hidden="true"> Share page </span> </div> </div> </div> <div class="rhn__on-this-page hidden-xs rhn__on-this-page--firms"> <h2 class="h3" lang="en-GB">On this page <img src="/themes/custom/fca/images/document-blue.svg" alt=""></h2> <ul class="nav navbar-nav"><li><a href="#section-our-new-access-to-cash-rules">Our new access to cash rules</a></li><li><a href="#section-why-access-to-cash-is-important">Why access to cash is important</a></li><li><a href="#section-branch-closures">Branch closures</a></li><li><a href="#section-next-steps">Next steps</a></li><li><a href="#section-the-story-so-far">The story so far</a></li><li><a href="#section-ongoing-assessment-of-the-uk-s-cash-infrastructure">Ongoing assessment of the UK’s cash infrastructure</a></li></ul> </div> <br> <div class="rhn__block"> <div class="rhn__header"> <h2 class="h5 rhn__header--title" lang="en-GB">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/future-access-cash/branch-atm-closures-good-practice-areas-improvement">Branch and ATM closures or conversions; good practice and areas for improvement</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/helping-people-access-cash/previous-access-cash-coverage-data">Previous access to cash coverage data</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="/publications/research/uks-cash-infrastructure-consumer-research">UK’s cash infrastructure and consumer research</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" lang="en-GB"> <a class="rhn__header--collapse related-content__title rhn__header--title" role="button" data-toggle="collapse" href="#relatedContentCollapse" aria-expanded="true" aria-controls="relatedContentCollapse"> More on access to cash </a> </h2> </div> <div class="rhn__items rhn__items--linked collapse in" id="relatedContentCollapse"> <div class="related-content__item rhn__item first"> <a href="/publications/policy-statements/ps24-8-access-cash">PS24/8: Access to Cash</a> </div> <div class="related-content__item rhn__item"> <a href="/publications/research-notes/empirical-analysis-characteristics-associated-cash-reliance-uk">Research Note: An empirical analysis of characteristics associated with cash reliance in the UK</a> </div> <div class="related-content__item rhn__item"> <a href="/publications/data/access-cash-coverage-uk-2023-q2">Access to cash coverage in the UK 2023 Q2</a> </div> <div class="related-content__item rhn__item"> <a href="/news/statements/financial-services-markets-act-2023-gives-fca-new-powers-protect-access-cash">FSMA 2023 gives us new powers to protect access to cash</a> </div> <div class="related-content__item rhn__item"> <a href="https://www.fca.org.uk/insight/access-cash-mapping-territory">Insight: Access to cash - mapping the territory</a> </div> <div class="related-content__item rhn__item"> <a href="/news/statements/fca-psr-joint-approach-access-cash">The FCA and PSR’s joint approach to access to cash</a> </div> <div class="related-content__item rhn__item last"> <a href="/publications/finalised-guidance/fg22-6-branch-and-atm-closures-or-conversions">FG22/6: Branch and ATM closures or conversions </a> </div> <div class="rhn__hr" aria-hidden="true"></div> </div> </div> <div class="rhn__block"> <div class="rhn__header"> <h2 class="h5" lang="en-GB"> <a class="rhn__header--collapse useful-resources__title rhn__header--title" role="button" data-toggle="collapse" href="#usefulResourcesCollapse" aria-expanded="false" aria-controls="usefulResourcesCollapse"> External resources </a> </h2> </div> <div class="rhn__items rhn__items--linked collapse in" id="usefulResourcesCollapse" aria-expanded="false" role="tabpanel"> <div class="related-content__item rhn__item first"> <a href="https://www.bristol.ac.uk/geography/research/pfrc/themes/financial-exclusion-poverty/where-to-withdraw/">Mapping access to cash across the UK (bristol.ac.uk)</a> </div> <div class="related-content__item rhn__item"> <a href="https://www.accesstocash.org.uk/media/1087/final-report-final-web.pdf">Access to Cash Review final report (accesstocash.org.uk)</a> </div> <div class="related-content__item rhn__item"> <a href="https://www.psr.org.uk/our-work/access-to-cash/">PSR’s work on access to cash (psr.org.uk)</a> </div> <div class="related-content__item rhn__item"> <a href="https://www.gov.uk/government/publications/joint-authorities-cash-strategy-group-update">JACS Group update (gov.uk)</a> </div> <div class="related-content__item rhn__item last"> <a href="https://www.gov.uk/government/publications/access-to-cash-call-for-evidence">Access to cash: call for evidence and summary of responses (gov.uk)</a> </div> <div class="rhn__hr" aria-hidden="true"></div> </div> </div> </div> </div> </div> </div> </div> </section> </div> <footer class="footer"> <div class="footer-main" lang="en-GB"> <div class="container"> <div class="row"> <div class="region region-footer"> <section id="block-menu-menu-onsite-links" class="block block-menu clearfix footer-main__column footer-main__column--no-title"> <ul class="menu nav"> <li class="leaf"> <a href="/accessibility" >Accessibility</a> </li> <li class="leaf"> <a href="/about/how-we-operate/complain-about-regulators" >Complain about us</a> </li> <li class="leaf"> <a href="/legal" >Copyright notice</a> </li> <li class="leaf"> <a href="/about/how-we-operate/corporate-responsibility" >Corporate responsibility</a> </li> <li class="leaf"> <a href="/about/cymraeg" >Cymraeg</a> </li> <li class="leaf"> <a href="/freedom-information" >Freedom of information</a> </li> <li class="leaf"> <a href="/about/how-we-operate/corporate-responsibility#section-modern-slavery-and-human-trafficking-statement" >Modern Slavery and Human Trafficking Statement</a> </li> <li class="leaf"> <a href="/privacy" >Privacy</a> </li> <li class="leaf"> <a href="/sitemap" >Sitemap</a> </li> <li class="leaf"> <a href="/translated-pages" >Translated languages</a> </li> </ul> </section> <section id="block-menu-menu-social" class="block block-menu contextual-links-region clearfix footer-main__column footer-main__column--social" lang="en-GB"> <h2 class="h3 block block-menu contextual-links-region footer-main__menu-title">Social</h2> <ul class="menu nav"> <li class="leaf social-footer-links__item social-footer-links__item--linkedin"> <a href="https://www.linkedin.com/company/financial-conduct-authority" aria-label="LinkedIn" title ="Publish this post to LinkedIn" class="linkedin" target="_blank" rel="noopener noreferrer"> <span class="visually-hidden">LinkedIn</span> <span class="social-footer-links__item__icon"></span> </a> </li> <li class="leaf social-footer-links__item social-footer-links__item--rss feed"> <a href="/news/rss.xml" aria-label="RSS Feed" title ="Subscribe to our RSS feed" class="rss feed" target="_blank" rel="noopener noreferrer"> <span class="visually-hidden">RSS Feed</span> <span class="social-footer-links__item__icon"></span> </a> </li> <li class="leaf social-footer-links__item social-footer-links__item--twitter"> <a href="https://twitter.com/thefca" aria-label="Twitter" title ="Share this on Twitter" class="twitter" target="_blank" rel="noopener noreferrer"> <span class="visually-hidden">Twitter</span> <span class="social-footer-links__item__icon"></span> </a> </li> </ul> </section> <section id="block-menu-menu-systems" class="block block-menu clearfix footer-main__column"> <h2 id="footerSystemsList" class="h3 block block-menu footer-main__menu-title" lang="en-GB"> <span class="footer-main__menu-title-desktop">Registers and Systems</span> <a class="overlay-link collapsed" role="button" data-toggle="collapse" href="#footerSystems" aria-expanded="false" aria-controls="footerSystems">Registers and Systems</a> <span class="hidden-md hidden-lg footer-section-collapse" aria-hidden="true"></span> </h2> <div id="footerSystems" class="collapse"> <ul class="menu nav"> <li class="leaf"> <a href="/firms/connect" >Connect</a> </li> <li class="leaf"> <a href="/about/how-we-regulate/handbook" >FCA Handbook</a> </li> <li class="leaf"> <a href="/firms/financial-services-register" >Financial Services Register</a> </li> <li class="leaf"> <a href="/firms/regdata" >RegData</a> </li> </ul> </div> </section> <section id="block-menu-menu-careers" class="block block-menu clearfix footer-main__column"> <h2 id="carrersList" class="h3 block block-menu footer-main__menu-title" lang="en-GB"> <span class="footer-main__menu-title-desktop">Careers</span> <a class="overlay-link collapsed" role="button" data-toggle="collapse" href="#footerCareers" aria-expanded="false" aria-controls="footerCareers">Careers</a> <span class="hidden-md hidden-lg footer-section-collapse" aria-hidden="true"></span> </h2> <div id="footerCareers" class="collapse"> <ul class="menu nav"> <li class="leaf"> <a href="/careers" >Careers home</a> </li> <li class="leaf"> <a href="/careers/early-careers" >Early careers</a> </li> <li class="leaf"> <a href="/careers/experienced-professionals" >Experienced professionals</a> </li> </ul> </div> </section> <section id="block-block-1" class="block block-block clearfix footer-main__column" lang="en-GB"> <h2 id="contactInfo" class="h3 block block-block footer-main__menu-title"> <span class="footer-main__menu-title-desktop">Contact</span> <a class="overlay-link collapsed" role="button" data-toggle="collapse" href="#footerContact" aria-expanded="false" aria-controls="footerContact">Contact</a> <span class="hidden-md hidden-lg footer-section-collapse" aria-hidden="true"></span> </h2> <div id="footerContact" class="footer-main__content-wrapper collapse"> <p>FCA Head Office</p> <p>12 Endeavour Square</p> <p>London E20 1JN</p> <p><a class="btn btn-primary" href="/contact">Contact us</a></p> </div> </section> </div> </div> <div class="footer__plain-text-logo" lang="en-GB"> <a href="https://www.clearest.co.uk/gold-standard" title="Plain Language Commission. Clear English Gold Standard Award logo" class="" target="_blank"> <span class="visually-hidden">Plain Language Commission Gold Award</span> <img class="plain-text-logo__img" src="/themes/custom/fca/images/PLC_CES_GOLD.png" alt="Plain Language Commission. Clear English Gold Standard Award logo" width="62" height="79"> </a> </div> </div> </div> <div class="footer-bottom" lang="en-GB"> <div class="container"> <div class="row"> <div class="col-xs-8 col-sm-4 footer-bottom__column"> <p class="footer-bottom__copyright">Copyright © 2025 FCA. All rights reserved.</p> </div> <div class="col-xs-4 col-sm-4 footer-bottom__column"> <div class="footer-bottom__back-to-top"> <a href="#"> <span class="glyphicon glyphicon-menu-up" aria-hidden="true"></span> <p>Back to top</p> </a> </div> </div> <div class="col-xs-12 col-sm-4 footer-bottom__column"> <p class="footer-bottom__company-number">Company no. 01920623</p> </div> </div> </div> </div> </footer> </div> <script data-cfasync="false" src="/cdn-cgi/scripts/5c5dd728/cloudflare-static/email-decode.min.js"></script><script type="text/javascript">window.NREUM||(NREUM={});NREUM.info={"beacon":"bam.nr-data.net","licenseKey":"1bdb6f7fb8","applicationID":"1114563801","transactionName":"M11RYUQDWUVTVEcPDAoXcEBFFlhbHVJdEgoQQR1bWQZSGFFWXQkNDVtSWQwEXkRfRA==","queueTime":11,"applicationTime":1529,"atts":"HxpGFwwZShoQVhFcGBlF","errorBeacon":"bam.nr-data.net","agent":""}</script> <script type="application/json" data-drupal-selector="drupal-settings-json">{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/71416","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"multiselect":{"widths":250},"selection_sharer":{"jquery_selectors":[".node-publication-longform div",".node-publication-longform h1",".node-publication-longform h2",".node-publication-longform h3",".node-publication-longform h4",".node-publication-longform h5",".node-publication-longform h6",".node-publication-longform p"]},"data":{"extlink":{"extTarget":true,"extTargetNoOverride":false,"extNofollow":false,"extNoreferrer":false,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":false,"extExclude":"(fca\\.org\\.uk)|(fsa\\.gov\\.uk)|(fcatest\\.org\\.uk)","extInclude":"","extCssExclude":"","extCssExplicit":"","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","mailtoClass":"0","mailtoLabel":"(link sends email)","extUseFontAwesome":false,"extIconPlacement":"append","extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","whitelistedDomains":null}},"eu_cookie_compliance":{"cookie_policy_version":"1.0.0","popup_enabled":true,"popup_agreed_enabled":false,"popup_hide_agreed":true,"popup_clicking_confirmation":false,"popup_scrolling_confirmation":false,"popup_html_info":"\u003Cdiv role=\u0022dialog\u0022 id=\u0022cookiepopup\u0022 title=\u0022Cookie popup\u0022 class=\u0022eu-cookie-compliance-banner eu-cookie-compliance-banner-info eu-cookie-compliance-banner--categories\u0022\u003E\n \u003Cdiv class=\u0022popup-content info\u0022\u003E\n \u003Cdiv class=\u0022popup-text\u0022\u003E\n \u003Cp\u003EWe use cookies to improve your online experience. Some cookies are necessary to make the site work. We\u2019d like to set additional cookies to understand how the website is used. These are optional. All cookie data is anonymised. View \u003Ca data-entity-substitution=\u0022canonical\u0022 data-entity-type=\u0022node\u0022 data-entity-uuid=\u0022e112e960-2a79-48ce-9cd3-8537356a784a\u0022 href=\u0022\/privacy\/our-use-cookies\u0022 title=\u0022Our use of cookies\u0022\u003Ecookies\u003C\/a\u003E.\u003C\/p\u003E\n\n \u003C\/div\u003E\n \u003Cul id=\u0022eu-cookie-compliance-categories\u0022 class=\u0022eu-cookie-compliance-categories list-inline list-unstyled hidden\u0022\u003E\n \u003Cli class=\u0022eu-cookie-compliance-category\u0022\u003E\n \u003Cdiv\u003E\n \u003Cinput type=\u0022checkbox\u0022 name=\u0022cookie-categories\u0022 id=\u0022cookie-category-functional\u0022\n value=\u0022functional\u0022 \u003E\n \u003Clabel for=\u0022cookie-category-functional\u0022\u003EFunctional\u003C\/label\u003E\n \u003C\/div\u003E\n\n \u003Cdiv class=\u0022eu-cookie-compliance-category-description\u0022\u003EThese cookies are necessary for the operation of the FCA.org.uk web site\u003C\/div\u003E\n \u003C\/li\u003E\n \u003Cli class=\u0022eu-cookie-compliance-category\u0022\u003E\n \u003Cdiv\u003E\n \u003Cinput type=\u0022checkbox\u0022 name=\u0022cookie-categories\u0022 id=\u0022cookie-category-tracking_ad\u0022\n value=\u0022tracking_ad\u0022 \u003E\n \u003Clabel for=\u0022cookie-category-tracking_ad\u0022\u003ENon-functional\u003C\/label\u003E\n \u003C\/div\u003E\n\n \u003Cdiv class=\u0022eu-cookie-compliance-category-description\u0022\u003EAccept analytics and campaign advertising cookies\u003C\/div\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003Cdiv class=\u0022eu-cookie-compliance-category-fca-custom\u0022\u003E\n \u003Cbutton type=\u0022button\u0022 class=\u0022btn agree\u0022\u003EAccept additional cookies\u003C\/button\u003E\n \u003Cbutton type=\u0022button\u0022 class=\u0022btn dont-agree\u0022\u003EReject additional cookies\u003C\/button\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","use_mobile_message":false,"mobile_popup_html_info":"\u003Cdiv role=\u0022dialog\u0022 id=\u0022cookiepopup\u0022 title=\u0022Cookie popup\u0022 class=\u0022eu-cookie-compliance-banner eu-cookie-compliance-banner-info eu-cookie-compliance-banner--categories\u0022\u003E\n \u003Cdiv class=\u0022popup-content info\u0022\u003E\n \u003Cdiv class=\u0022popup-text\u0022\u003E\n \n \u003C\/div\u003E\n \u003Cul id=\u0022eu-cookie-compliance-categories\u0022 class=\u0022eu-cookie-compliance-categories list-inline list-unstyled hidden\u0022\u003E\n \u003Cli class=\u0022eu-cookie-compliance-category\u0022\u003E\n \u003Cdiv\u003E\n \u003Cinput type=\u0022checkbox\u0022 name=\u0022cookie-categories\u0022 id=\u0022cookie-category-functional\u0022\n value=\u0022functional\u0022 \u003E\n \u003Clabel for=\u0022cookie-category-functional\u0022\u003EFunctional\u003C\/label\u003E\n \u003C\/div\u003E\n\n \u003Cdiv class=\u0022eu-cookie-compliance-category-description\u0022\u003EThese cookies are necessary for the operation of the FCA.org.uk web site\u003C\/div\u003E\n \u003C\/li\u003E\n \u003Cli class=\u0022eu-cookie-compliance-category\u0022\u003E\n \u003Cdiv\u003E\n \u003Cinput type=\u0022checkbox\u0022 name=\u0022cookie-categories\u0022 id=\u0022cookie-category-tracking_ad\u0022\n value=\u0022tracking_ad\u0022 \u003E\n \u003Clabel for=\u0022cookie-category-tracking_ad\u0022\u003ENon-functional\u003C\/label\u003E\n \u003C\/div\u003E\n\n \u003Cdiv class=\u0022eu-cookie-compliance-category-description\u0022\u003EAccept analytics and campaign advertising cookies\u003C\/div\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003Cdiv class=\u0022eu-cookie-compliance-category-fca-custom\u0022\u003E\n \u003Cbutton type=\u0022button\u0022 class=\u0022btn agree\u0022\u003EAccept additional cookies\u003C\/button\u003E\n \u003Cbutton type=\u0022button\u0022 class=\u0022btn dont-agree\u0022\u003EReject additional cookies\u003C\/button\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","mobile_breakpoint":768,"popup_html_agreed":false,"popup_use_bare_css":false,"popup_height":"auto","popup_width":"100%","popup_delay":0,"popup_link":"\/privacy","popup_link_new_window":true,"popup_position":true,"fixed_top_position":true,"popup_language":"en","store_consent":true,"better_support_for_screen_readers":false,"cookie_name":"fca-cookie-agreed","reload_page":false,"domain":"","domain_all_sites":true,"popup_eu_only":false,"popup_eu_only_js":false,"cookie_lifetime":100,"cookie_session":0,"set_cookie_session_zero_on_disagree":0,"disagree_do_not_show_popup":false,"method":"categories","automatic_cookies_removal":true,"allowed_cookies":"","withdraw_markup":"\u003Cbutton type=\u0022button\u0022 class=\u0022eu-cookie-withdraw-tab\u0022\u003EPrivacy settings\u003C\/button\u003E\n\u003Cdiv aria-labelledby=\u0022popup-text\u0022 class=\u0022eu-cookie-withdraw-banner\u0022\u003E\n \u003Cdiv class=\u0022popup-content info eu-cookie-compliance-content\u0022\u003E\n \u003Cdiv id=\u0022popup-text\u0022 class=\u0022eu-cookie-compliance-message\u0022 role=\u0022document\u0022\u003E\n \u003Ch2\u003EWe use cookies on this site to enhance your user experience\u003C\/h2\u003E\n\u003Cp\u003EYou have given your consent for us to set cookies.\u003C\/p\u003E\n\n \u003C\/div\u003E\n \u003Cdiv id=\u0022popup-buttons\u0022 class=\u0022eu-cookie-compliance-buttons\u0022\u003E\n \u003Cbutton type=\u0022button\u0022 class=\u0022eu-cookie-withdraw-button \u0022\u003EWithdraw consent\u003C\/button\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","withdraw_enabled":false,"reload_options":null,"reload_routes_list":"","withdraw_button_on_info_popup":false,"cookie_categories":["functional","tracking_ad"],"cookie_categories_details":{"functional":{"uuid":"fb668dca-4dd1-4440-a59b-c9d1e9fadac3","langcode":"en","status":true,"dependencies":[],"_core":{"default_config_hash":"D36tcirS9rFdab-vbBsKvs8J4M5hJ92XFL2hzdzE49I"},"id":"functional","label":"Functional","description":"These cookies are necessary for the operation of the FCA.org.uk web site","checkbox_default_state":"required","weight":-9},"tracking_ad":{"uuid":"5465d273-1c80-4a6e-aad2-dbba16b67955","langcode":"en","status":true,"dependencies":[],"_core":{"default_config_hash":"PgmYhbjZvqPNFf00v-fm0sr1Osx9rNtzn--g1g1ILtI"},"id":"tracking_ad","label":"Non-functional","description":"Accept analytics and campaign advertising cookies","checkbox_default_state":"unchecked","weight":-8}},"enable_save_preferences_button":true,"cookie_value_disagreed":"0","cookie_value_agreed_show_thank_you":"1","cookie_value_agreed":"2","containing_element":"body","settings_tab_enabled":false,"olivero_primary_button_classes":"","olivero_secondary_button_classes":"","close_button_action":"close_banner","open_by_default":true,"modules_allow_popup":true,"hide_the_banner":false,"geoip_match":true},"simpleautologout":{"popup":1500000},"bootstrap":{"forms_has_error_value_toggle":1,"modal_animation":1,"modal_backdrop":"true","modal_focus_input":1,"modal_keyboard":1,"modal_select_text":1,"modal_show":1,"modal_size":"","popover_enabled":1,"popover_animation":1,"popover_auto_close":1,"popover_container":"body","popover_content":"","popover_delay":"0","popover_html":0,"popover_placement":"right","popover_selector":"","popover_title":"","popover_trigger":"click"},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM#webform-submission-page-feedback-form-node-71416-add-form":true,"\/firms\/access-to-cash?fca_action=search":true},"fcaFunnelback":{"funnelbackCollection":"fcauk~sp-push-prod","profiles":{"header":"_default"}},"disable_all_popups":1,"global_popup":{"popup_global_enabled":1,"popup_global_title":"Global popup banner test","popup_global_text":"\u003Cp\u003Etest content\u0026nbsp;test content\u0026nbsp;test content\u0026nbsp;test content\u0026nbsp;test content\u0026nbsp;test content\u0026nbsp;test content.\u003C\/p\u003E\r\n","popup_config_button":"Continue"},"ckeditor5Premium":{"isMediaInstalled":true},"user":{"uid":0,"permissionsHash":"6f6109d1fc5d7d0e28d845bee4f04c752dd4edba77c644ed82733edde817fbbe"}}</script> <script src="/sites/default/files/js/js_2q6pfCEAKyQwLu1ySStt6XK_DNMAfO6N1tgqBRYFokQ.js?scope=footer&delta=0&language=en&theme=fca&include=eJyVkWFuwyAMRi9E4EjIIQ6JYjDCpltvP4K6btNSTfuD4fHJwEOQMOjO2csGFauTTzANsJg1gIvEM9Akeqc9R4Pv2uvhltoKkH0sDTYfmI8de0mFdsgB3RU0M7OKViiucOEb1nGKbpjQSqhMJOVu3nBeuSb3qPYcfsF-3YRZ7YIKO4kVuOGfIeUY6XUsoQhENBUDFA0buOfsG4vMvYl9Ao_5ZUcup1I5n-nXljPSDOFwX9MJmvIwhIrDxs-oF4QaNj8cnFtdXBv6Wplm6LHh8OIDLul_sj5q-gBEKNeM"></script> <script src="/modules/contrib/eu_cookie_compliance/js/eu_cookie_compliance.min.js?v=10.3.10" defer></script> <script src="/themes/custom/fca/assets/js/fca-cookie-patch.min.js?srwktk" defer></script> <script src="/sites/default/files/js/js_mBEX9pwtLIHHE9WYgnM62DVUPWbwxKJTNPk9blm5uos.js?scope=footer&delta=3&language=en&theme=fca&include=eJyVkWFuwyAMRi9E4EjIIQ6JYjDCpltvP4K6btNSTfuD4fHJwEOQMOjO2csGFauTTzANsJg1gIvEM9Akeqc9R4Pv2uvhltoKkH0sDTYfmI8de0mFdsgB3RU0M7OKViiucOEb1nGKbpjQSqhMJOVu3nBeuSb3qPYcfsF-3YRZ7YIKO4kVuOGfIeUY6XUsoQhENBUDFA0buOfsG4vMvYl9Ao_5ZUcup1I5n-nXljPSDOFwX9MJmvIwhIrDxs-oF4QaNj8cnFtdXBv6Wplm6LHh8OIDLul_sj5q-gBEKNeM"></script> <script src="//code.jquery.com/ui/1.11.4/jquery-ui.min.js"></script> <script src="/sites/default/files/js/js_HFLW_3cv6opV4NgX4gLFc923GyUm962qeyuyvxafTAM.js?scope=footer&delta=5&language=en&theme=fca&include=eJyVkWFuwyAMRi9E4EjIIQ6JYjDCpltvP4K6btNSTfuD4fHJwEOQMOjO2csGFauTTzANsJg1gIvEM9Akeqc9R4Pv2uvhltoKkH0sDTYfmI8de0mFdsgB3RU0M7OKViiucOEb1nGKbpjQSqhMJOVu3nBeuSb3qPYcfsF-3YRZ7YIKO4kVuOGfIeUY6XUsoQhENBUDFA0buOfsG4vMvYl9Ao_5ZUcup1I5n-nXljPSDOFwX9MJmvIwhIrDxs-oF4QaNj8cnFtdXBv6Wplm6LHh8OIDLul_sj5q-gBEKNeM"></script> </body> </html>