What is involved in the FCA authorisation application process for AEMIs?

The process typically includes preparing and submitting a detailed application to the FCA, which covers governance, risk, financial projections, AML/CTF policies, customer due diligence, operational controls, capital adequacy, and ongoing compliance obligations.

How long does FCA authorisation usually take for an AEMI?

Timeline depends on completeness of the application, how quickly queries from FCA are answered, business model complexity, and internal readiness. It may take several weeks to a few months.

What documents are needed for the authorisation application?

Key documents usually include business plan, governance and organisational structure, financial models, AML/CTF and KYC/KYB policies, risk assessments, operational procedures, details of senior management and ownership, compliance and operational controls.

What is a gap & readiness assessment and why is it important?

This assessment helps you identify where current policies, controls, systems or governance do not meet FCA requirements, allowing you to address those gaps before submission, reducing risk of application delays or rejections.

Do you help with financial modelling or demonstrating capital requirements to the FCA?

Yes, part of the service includes helping prepare financial projections, capital adequacy and sustainability models, showing that the institution can meet its financial obligations while complying with FCA standards.

What happens after submitting to the FCA?

After submission, there may be requests for additional information, clarifications, or amendments. We can help manage those responses, provide further documentation, and work with FCA through to authorisation.

FCA Authorisation Application AEMI | Application Draft & Filing Services

FCA Authorisation – Application Drafting & Submission

Securing FCA authorisation is a critical milestone for firms entering the UK financial services sector. The process demands a rigorous application supported by robust documentation, evidence of strong governance, and a sustainable business model that aligns with FCA expectations. At ABM Global, we provide end-to-end support to help clients prepare, draft, and submit fully compliant applications—reducing delays and increasing the likelihood of approval.

Our comprehensive support includes:

Application Pack Preparation

We prepare and structure the full FCA application pack, ensuring that every document is complete, accurate, and tailored to your firm’s activities. This includes Form A, Form B, and other required FCA documentation.

Business Plan Development

The FCA requires firms to demonstrate financial viability and strategic direction. We help you draft a detailed business plan that includes:

Governance & Organisational Structures

FCA authorisation requires firms to demonstrate effective governance and senior management oversight. We assist in:

Compliance & Risk Frameworks

To satisfy FCA standards, firms must embed strong compliance and risk management policies. ABM Global develops and documents frameworks covering AML/CTF obligations, conduct of business, safeguarding of client funds, data protection, and operational resilience.

Regulatory Correspondence Management

We act as your liaison with the FCA, handling queries, requests for clarification, and additional information during the review process. Our proactive approach ensures issues are resolved quickly and efficiently.

Fit and Proper Guidance

The FCA assesses the fitness and propriety of key individuals. We provide guidance on meeting these requirements, preparing directors and senior staff for interviews, and ensuring personal histories and competencies align with FCA expectations.

Submission & Ongoing Support

Once the application is finalised, we manage the formal submission to the FCA and provide ongoing support until approval is granted. We also assist in preparing firms for post-authorisation obligations, including reporting, governance updates, and compliance monitoring.