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Effective since Requirement
02 Jan 2019
RFB sub-groups
TO: Lloyds Bank PLC (FRN 119278) Bank of Scotland plc (FRN 169628) (each a ‘firm’) WRITTEN NOTICE TAKE NOTICE: The Prudential Regulation Authority of 20 Moorgate, London, EC2R 6DA has decided to take the following action. 1. (…)
11 Nov 2011
Certain Halifax mortgage contract customer program
This requirement came into effect on 21 February 2011 and was modified (as indicated with tracked changes) on 11 November 2011. It requires the firm to establish and put in place a defined programme which may affect some (…)
22 Aug 2013
Firm must undertake a consumer redress exercise
The firm is required to establish and operate a consumer redress scheme following a finding of mis-selling against Card Protection Plan Limited (‘CPPL’), in respect of those customers who were mis-sold policies. ‘Policies’ (or ‘policy’) means CPPL’s (…)
29 Oct 2014
Requirements for Ar.325 permission- 1800765
1.The firm is required to notify the PRA as soon as is possible of any change of circumstances likely to jeopardise compliance with Article 325. 2. The firm is required to maintain any contractual arrangements underpinning satisfaction (…)
15 May 2015
Amendment to a consumer redress exercise
Supplemental Requirements 6. The Requirements shall be supplemented as follows: 6.1 A new paragraph 1.21(A) be inserted as follows: “‘Extreme Distressed Suppression Population’ means Scheme Creditors in respect of whom Schemeco (…)
02 Aug 2016
Amendment to a consumer redress exercise
The requirements became effective on 27 January 2015 and were supplemented on 15 May 2015. The Requirements shall be supplemented as follows: The definition of ‘Scheme of Arrangement’ at paragraph 1.33 of the Requirements shall mean the (…)
05 Aug 2016
Amendment to a consumer redress exercise
The requirements became effective on 13 August 2013. The Requirements shall be supplemented as follows: The definition of ‘Scheme of Arrangement’ at paragraph 1.28 of the Requirements shall mean the solvent scheme of arrangement under (…)
03 Sep 2003
Access to the electoral register
The firm shall access the full electoral register, where this is the most cost-effective way of verifying identity for anti-money laundering purposes and will not prejudice the interests of the customer, in order to carry out the current customer (…)
27 Jan 2015
Firm must undertake a consumer redress exercise
The firm is required to establish and operate a consumer redress scheme to address possible selling issues affecting customers who purchased Card Security Products provided by Affinion International Limited, where the sale (or renewal) (…)
What to do with this information
These regulated activities are grouped into categories. You should check the specific activities within these categories relate to the business you want to do with the firm, not just the categories.
Once you have checked this page, you should contact the firm via their main contact details and ask them to confirm their permitted regulated activities.
If you don’t understand whether the permissions cover the business you want to do, you should contact the FCA.
Investment Type
Deposit
Customer Type
All
Investment Type
Binary Bet
Certificates representing certain security
Commodity Future
Commodity option and option on commodity future
Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet)
Debenture
Funeral plan contract
Future (excluding a commodity future and a rolling spot forex contract)
Government and public security
Life Policy
Non-investment insurance contracts
Option (excluding a commodity option and an option on a commodity future)
Personal pension scheme
Rights to or interests in investments (Contractually Based Investments)
Rights to or interests in investments (Security)
Rolling spot forex contract
Share
Spread Bet
Stakeholder pension scheme
Unit
Warrant
Limitation
Binary Bet Limitation
Binary bet investment type for Commercial, Eligible Counterparty, and Professional customers only.
Rights to or interests in (both).
Investment activity in “rights to or interests in investments (security)” and “rights to or interests in investments (contractually based investment)” is limited to the investment types granted for this activity.
Customer Type
Commercial
Eligible Counterparty
Professional
Retail (Investment)
Retail (Non-Investment Insurance)
Investment Type
Binary Bet
Certificates representing certain security
Commodity Future
Commodity option and option on commodity future
Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet)
Debenture
Funeral plan contract
Future (excluding a commodity future and a rolling spot forex contract)
Government and public security
Life Policy
Non-investment insurance contracts
Option (excluding a commodity option and an option on a commodity future)
Personal pension scheme
Rights to or interests in investments (Contractually Based Investments)
Rights to or interests in investments (Security)
Rolling spot forex contract
Share
Spread Bet
Stakeholder pension scheme
Unit
Warrant
Limitation
Binary Bet Limitation
Binary bet investment type for Commercial, Eligible Counterparty, and Professional customers only.
Rights to or interests in (both).
Investment activity in “rights to or interests in investments (security)” and “rights to or interests in investments (contractually based investment)” is limited to the investment types granted for this activity.
Customer Type
Commercial
Eligible Counterparty
Professional
Retail (Investment)
Retail (Non-Investment Insurance)
Investment Type
Binary Bet
Certificates representing certain security
Commodity Future
Commodity option and option on commodity future
Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet)
Debenture
Funeral plan contract
Future (excluding a commodity future and a rolling spot forex contract)
Government and public security
Life Policy
Option (excluding a commodity option and an option on a commodity future)
Personal pension scheme
Rights to or interests in investments (Contractually Based Investments)
Rights to or interests in investments (Security)
Rolling spot forex contract
Share
Spread Bet
Stakeholder pension scheme
Unit
Warrant
Limitation
Binary Bet Limitation
Binary bet investment type for Eligible Counterparty and Professional customers only.
Rights to or interests in (both).
Investment activity in “rights to or interests in investments (security)” and “rights to or interests in investments (contractually based investment)” is limited to the investment types granted for this activity.
Customer Type
Eligible Counterparty
Professional
Retail (Investment)
Investment Type
Non-investment insurance contracts
Customer Type
Commercial
Retail (Non-Investment Insurance)
Investment Type
Binary Bet
Certificates representing certain security
Commodity Future
Commodity option and option on commodity future
The contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet)
Debenture
Funeral plan contract
Future (excluding a commodity future and a rolling spot forex contract)
Government and public security
Life Policy
Non-investment insurance contracts
Option (excluding a commodity option and an option on a commodity future)
Personal pension scheme
Rights to or interests in investments (Contractually Based Investments)
Rights to or interests in investments (Security)
Rolling spot forex contract
Share
Spread Bet
Stakeholder pension scheme
Unit
Warrant
Limitation
Binary Bet Limitation
Binary bet investment type for Commercial, Eligible Counterparty, and Professional customers only.
Rights to or interests in (both).
Investment activity in “rights to or interests in investments (security)” and “rights to or interests in investments (contractually based investment)” is limited to the investment types granted for this activity.
Customer Type
Commercial
Eligible Counterparty
Professional
Retail (Investment)
Retail (Non-Investment Insurance)
Investment Type
Binary Bet
Certificates representing certain security
Commodity Future
Commodity option and option on commodity future
Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet)
Debenture
Funeral plan contract
Future (excluding a commodity future and a rolling spot forex contract)
Government and public security
Life Policy
Option (excluding a commodity option and an option on a commodity future)
Personal pension scheme
Rights to or interests in investments (Contractually Based Investments)
Rights to or interests in investments (Security)
Rolling spot forex contract
Share
Spread Bet
Stakeholder pension scheme
Unit
Warrant
Limitation
Binary Bet Limitation
Binary bet investment type for Eligible Counterparty and Professional customers only.
Rights to or interests in (both).
Investment activity in “rights to or interests in investments (security)” and “rights to or interests in investments (contractually based investment)” is limited to the investment types granted for this activity.
Customer Type
Eligible Counterparty
Professional
Retail (Investment)
Investment Type
Binary Bet
Certificates representing certain security
Commodity Future
Commodity option and option on commodity future
The contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet)
Debenture
Funeral plan contract
Future (excluding a commodity future and a rolling spot forex contract)
Government and public security
Life Policy
Non-investment insurance contracts
Option (excluding a commodity option and an option on a commodity future)
Personal pension scheme
Rights to or interests in investments (Contractually Based Investments)
Rights to or interests in investments (Security)
Rolling spot forex contract
Share
Spread Bet
Stakeholder pension scheme
Unit
Warrant
Limitation
Binary Bet Limitation
Binary bet investment type for Commercial, Eligible Counterparty, and Professional customers only.
Rights to or interests in (both).
Investment activity in “rights to or interests in investments (security)” and “rights to or interests in investments (contractually based investment)” is limited to the investment types granted for this activity.
Customer Type
Commercial
Eligible Counterparty
Professional
Retail (Investment)
Retail (Non-Investment Insurance)
Investment Type
Binary Bet
Certificates representing certain security
Commodity Future
Commodity option and option on commodity future
Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet)
Debenture
Funeral plan contract
Future (excluding a commodity future and a rolling spot forex contract)
Government and public security
Life Policy
Option (excluding a commodity option and an option on a commodity future)
Personal pension scheme
Rights to or interests in investments (Contractually Based Investments)
Rights to or interests in investments (Security)
Rolling spot forex contract
Share
Spread Bet
Stakeholder pension scheme
Unit
Warrant
Limitation
Binary Bet Limitation
Binary bet investment type for Eligible Counterparty and Professional customers only.
Rights to or interests in (both).
Investment activity in “rights to or interests in investments (security)” and “rights to or interests in investments (contractually based investment)” is limited to the investment types granted for this activity.
Customer Type
Eligible Counterparty
Professional
Retail (Investment)
Investment Type
Binary Bet
Certificates representing certain security
Commodity Future
Commodity option and option on commodity future
The contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet)
Debenture
Funeral plan contract
Future (excluding a commodity future and a rolling spot forex contract)
Government and public security
Life Policy
Option (excluding a commodity option and an option on a commodity future)
Personal pension scheme
Rights to or interests in investments (Contractually Based Investments)
Rights to or interests in investments (Security)
Rolling spot forex contract
Share
Spread Bet
Stakeholder pension scheme
Unit
Warrant
Limitation
Binary Bet Limitation
Binary bet investment type for Eligible Counterparty and Professional customers only.
Rights to or interests in (both).
Investment activity in “rights to or interests in investments (security)” and “rights to or interests in investments (contractually based investment)” is limited to the investment types granted for this activity.
Customer Type
Eligible Counterparty
Professional
Retail (Investment)
Investment Type
Regulated mortgage contract
Customer Type
Customer
Investment Type
Regulated mortgage contract
Customer Type
Customer
Investment Type
Regulated mortgage contract
Customer Type
Customer
Investment Type
Regulated mortgage contract
Customer Type
Customer
Investment Type
Regulated mortgage contract
Customer Type
Customer
Credit Broking
Debt Administration
Debt-collecting
Debt-counselling
Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Exercising/having right to exercise lender’s rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Providing Credit Information Services
Investment Type
Binary Bet
Certificates representing certain security
Commodity Future
Commodity option and option on commodity future
Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet)
Debenture
Funeral plan contract
Future (excluding a commodity future and a rolling spot forex contract)
Government and public security
Life Policy
Non-investment insurance contracts
Option (excluding a commodity option and an option on a commodity future)
Personal pension scheme
Rights to or interests in investments (Contractually Based Investments)
Rights to or interests in investments (Security)
Rolling spot forex contract
Share
Spread Bet
Stakeholder pension scheme
Unit
Warrant
Limitation
Binary Bet Limitation
Binary bet investment type for Commercial, Eligible Counterparty, and Professional customers only.
Rights to or interests in (both).
Investment activity in “rights to or interests in investments (security)” and “rights to or interests in investments (contractually based investment)” is limited to the investment types granted for this activity.
Customer Type
Commercial
Eligible Counterparty
Professional
Retail (Investment)
Retail (Non-Investment Insurance)
Limitation
Limited pension transfer activity.
This activity is limited to the provision of advice in relation to the conversion or transfer of benefits from: • Pension policies with a Guaranteed Annuity Rate (for the avoidance of doubt, this includes policies which are retirement annuity contracts with a minimum guaranteed income, where that income satisfies limb (b) of the Glossary definition of Guaranteed Annuity Rate); • Defined contribution occupational schemes without safeguarded benefits.
Rights to or interests in (both).
Investment activity in “rights to or interests in investments (security)” and “rights to or interests in investments (contractually based investment)” is limited to the investment types granted for this activity.
Investment Type
Life Policy
Personal pension scheme
Rights to or interests in investments (Contractually Based Investments)
Rights to or interests in investments (Security)
Stakeholder pension scheme
Unit
Customer Type
Professional
Retail (Investment)
Investment Type
Binary Bet
Certificates representing certain security
Commodity Future
Commodity option and option on commodity future
Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet)
Debenture
Funeral plan contract
Future (excluding a commodity future and a rolling spot forex contract)
Government and public security
Life Policy
Non-investment insurance contracts
Option (excluding a commodity option and an option on a commodity future)
Personal pension scheme
Rights to or interests in investments (Contractually Based Investments)
Rights to or interests in investments (Security)
Rolling spot forex contract
Share
Spread Bet
Stakeholder pension scheme
Unit
Warrant
Limitation
Binary Bet Limitation
Binary bet investment type for Commercial, Eligible Counterparty, and Professional customers only.
Rights to or interests in (both).
Investment activity in “rights to or interests in investments (security)” and “rights to or interests in investments (contractually based investment)” is limited to the investment types granted for this activity.
Customer Type
Commercial
Eligible Counterparty
Professional
Retail (Investment)
Retail (Non-Investment Insurance)
Investment Type
Binary Bet
Certificates representing certain security
Commodity Future
Commodity option and option on commodity future
Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet)
Debenture
Funeral plan contract
Future (excluding a commodity future and a rolling spot forex contract)
Government and public security
Life Policy
Option (excluding a commodity option and an option on a commodity future)
Personal pension scheme
Rights to or interests in investments (Contractually Based Investments)
Rights to or interests in investments (Security)
Rolling spot forex contract
Share
Spread Bet
Stakeholder pension scheme
Unit
Warrant
Limitation
Binary Bet Limitation
Binary bet investment type for Eligible Counterparty and Professional customers only.
Rights to or interests in (both).
Investment activity in “rights to or interests in investments (security)” and “rights to or interests in investments (contractually based investment)” is limited to the investment types granted for this activity.
Customer Type
Eligible Counterparty
Professional
Retail (Investment)
Investment Type
Binary Bet
Certificates representing certain security
Commodity Future
Commodity option and option on commodity future
Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet)
Debenture
Funeral plan contract
Future (excluding a commodity future and a rolling spot forex contract)
Government and public security
Life Policy
Non-investment insurance contracts
Option (excluding a commodity option and an option on a commodity future)
Personal pension scheme
Rights to or interests in investments (Contractually Based Investments)
Rights to or interests in investments (Security)
Rolling spot forex contract
Share
Spread Bet
Stakeholder pension scheme
Unit
Warrant
Limitation
Binary Bet Limitation
Binary bet investment type for Commercial, Eligible Counterparty, and Professional customers only.
Rights to or interests in (both).
Investment activity in “rights to or interests in investments (security)” and “rights to or interests in investments (contractually based investment)” is limited to the investment types granted for this activity.
Customer Type
Commercial
Eligible Counterparty
Professional
Retail (Investment)
Retail (Non-Investment Insurance)
Investment Type
Binary Bet
Certificates representing certain security
Commodity Future
Commodity option and option on commodity future
Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet)
Debenture
Funeral plan contract
Future (excluding a commodity future and a rolling spot forex contract)
Government and public security
Life Policy
Option (excluding a commodity option and an option on a commodity future)
Personal pension scheme
Rights to or interests in investments (Contractually Based Investments)
Rights to or interests in investments (Security)
Rolling spot forex contract
Share
Spread Bet
Stakeholder pension scheme
Unit
Warrant
Limitation
Binary Bet Limitation
Binary bet investment type for Eligible Counterparty and Professional customers only.
Rights to or interests in (both).
Investment activity in “rights to or interests in investments (security)” and “rights to or interests in investments (contractually based investment)” is limited to the investment types granted for this activity.
Customer Type
Eligible Counterparty
Professional
Retail (Investment)
Investment Type
Binary Bet
Certificates representing certain security
Commodity Future
Commodity option and option on commodity future
Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet)
Debenture
Funeral plan contract
Future (excluding a commodity future and a rolling spot forex contract)
Government and public security
Life Policy
Non-investment insurance contracts
Option (excluding a commodity option and an option on a commodity future)
Personal pension scheme
Rights to or interests in investments (Contractually Based Investments)
Rights to or interests in investments (Security)
Rolling spot forex contract
Share
Spread Bet
Stakeholder pension scheme
Unit
Warrant
Limitation
Binary Bet Limitation
Binary bet investment type for Commercial, Eligible Counterparty, and Professional customers only.
Rights to or interests in (both).
Investment activity in “rights to or interests in investments (security)” and “rights to or interests in investments (contractually based investment)” is limited to the investment types granted for this activity.
Customer Type
Commercial
Eligible Counterparty
Professional
Retail (Investment)
Retail (Non-Investment Insurance)
Investment Type
Binary Bet
Certificates representing certain security
Commodity Future
Commodity option and option on commodity future
Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet)
Debenture
Funeral plan contract
Future (excluding a commodity future and a rolling spot forex contract)
Government and public security
Life Policy
Option (excluding a commodity option and an option on a commodity future)
Personal pension scheme
Rights to or interests in investments (Contractually Based Investments)
Rights to or interests in investments (Security)
Rolling spot forex contract
Share
Spread Bet
Stakeholder pension scheme
Unit
Warrant
Limitation
Binary Bet Limitation
Binary bet investment type for Eligible Counterparty and Professional customers only.
Rights to or interests in (both).
Investment activity in “rights to or interests in investments (security)” and “rights to or interests in investments (contractually based investment)” is limited to the investment types granted for this activity.
Customer Type
Eligible Counterparty
Professional
Retail (Investment)
Investment Type
Binary Bet
Certificates representing certain security
Commodity Future
Commodity option and option on commodity future
Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet)
Debenture
Funeral plan contract
Future (excluding a commodity future and a rolling spot forex contract)
Government and public security
Life Policy
Option (excluding a commodity option and an option on a commodity future)
Personal pension scheme
Rights to or interests in investments (Contractually Based Investments)
Rights to or interests in investments (Security)
Rolling spot forex contract
Share
Spread Bet
Stakeholder pension scheme
Unit
Warrant
Limitation
Binary Bet Limitation
Binary bet investment type for Eligible Counterparty and Professional customers only.
Rights to or interests in (both).
Investment activity in “rights to or interests in investments (security)” and “rights to or interests in investments (contractually based investment)” is limited to the investment types granted for this activity.
Customer Type
Eligible Counterparty
Professional
Retail (Investment)
The FCA is required to display some information related to certain non-regulated activities. Firms may do other business that is not regulated. You should check with the firm what business it carries out that isn’t regulated and what your protections may be.
Insurance Distribution
A firm that offers or sells insurance products and services.
This firm is able to undertake insurance distribution.
Consumer buy-to-let Status
Registered
Since 21 Mar 2016
Consumer buy-to-let Business
Consumer buy-to-let lender
Consumer buy-to-let administrator
Consumer buy-to-let arranger
Consumer buy-to-let advisor
Waivers and discretions
A firm can apply for a waiver (or change) from our rules or, in some situations, certain discretions set out in articles with European Directives. This table shows the current waivers and discretions we currently hold for this firm.
Showing 10 records of 18
Waivers/Discretions
Rule/Article No.
A5006943P.pdf (pdf / 0.080MB)
CRR Ar.8 (2)
CRR Ar.8 (1)
A5017747P.pdf (pdf / 0.125MB)
CRR Ar.400.2 (c)
A5017745P.pdf (pdf / 0.136MB)
CRR Ar.113 (6)
A5072092P.pdf (pdf / 0.125MB)
CRR Ar.400.2 (c)
A5132567P.pdf (pdf / 0.334MB)
Perm & Wav – CRR Ru.4.3
Perm & Wav – CRR Ru.1.2
Perm & Wav – CRR Ru.5.2
Perm & Wav – CRR Ru.4.4
Perm & Wav – CRR Ru.8.3
Perm & Wav – CRR Ru.7.2
Perm & Wav – CRR Ru.5.4
Perm & Wav – CRR Ru.6.2
Perm & Wav – CRR Ru.6.4
A4893449P.pdf (pdf / 0.350MB)
CRR Ar.363
A4941335P.pdf (pdf / 0.088MB)
CRR Ar.9
A4966533P.pdf (pdf / 0.171MB)
COBS 7.7.2 (R)
A5306073P.pdf (pdf / 0.207MB)
DepositProtection Ru.15.7
DepositProtection Ru.15.6
DepositProtection Ru.15.5
DepositProtection Ru.15.4
DepositProtection Ru.15.3
DepositProtection Ru.15.2
DepositProtection Ru.13.9
DepositProtection Ru.13.8
DepositProtection Ru.13.7
DepositProtection Ru.13.4
DepositProtection Ru.13.6
DepositProtection Ru.13.5
DepositProtection Ru.15.1
A5467709P.pdf (pdf / 0.347MB)
CRR Ar.143 (1)
Page 1 of 2
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Who is involved with activities at this firm?
You should check the details of any FCA approved individual that you want to carry out regulated activities on your behalf, especially their current roles and any disciplinary or regulatory action on their record. We intend by April 2021 to have completed publishing the information of all individuals certified and assessed by firms under the Senior Managers and Certification Regime on the FS Register. Until this point you should contact the firm directly to confirm the details of individuals carrying out customer function roles.
Current
Filter By
Please enter a surname
Showing 10 records of 21
Name
Individual reference number
Status
Role
Juan Colombas JXC02072 Approved by regulator
SMF24 Chief Operations
SMF3 Executive Director
Sarah Bentley SXB03775 Approved by regulator
SMF7 Group Entity Senior Manager
Antonio Lorenzo AXL01460 Approved by regulator
SMF18 Other Overall Responsibility
Brian John Dilley BJD01078 Approved by regulator
SMF17 Money Laundering Reporting Officer (MLRO)
David James Stanley Oldfield DJO01078 Approved by regulator
SMF6 Head of Key Business Areas
SMF24 Chief Operations
Brendan Edward Gilligan BEG01011 Approved by regulator
SMF7 Group Entity Senior Manager
John Victor Mitchell Chambers JXC01968 Approved by regulator
SMF18 Other Overall Responsibility
Zaka Ullah Mian ZUM01003 Approved by regulator
SMF18 Other Overall Responsibility
Stuart William Sinclair SWS01030 Approved by regulator
SMF12 Chair of the Remuneration Committee
Nigel Grant Hinshelwood NGH01028 Approved by regulator
SMF14 Senior Independent Director
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Filter By
Showing 10 records of 4430
Name
Individual reference number
Role
Lewis Paul Cable LPC01016
CF30 Customer
Eamonn McArthur EXM01429
CF30 Customer
Simon Peter Henry SPH01191
CF2 Non Executive Director
Richard Gerald Hardy RGH00029
CF30 Customer
Adam David Charles Palmer ADP01077
CF30 Customer
Calum John Yuill CJY00003
CF21 Investment Adviser
CF30 Customer
Julienne Clare Daglish JCD01046
CF30 Customer
Susan Mary McAll SMM01051
CF10 Compliance Oversight
CF11 Money Laundering Reporting
Antonio Mota de Sousa Horta Osorio AXM02202
Responsible for Insurance Mediation
CF1 Director
CF3 Chief Executive
SMF3 Executive Director
John Graham Allatt JGA01025
CF28 Systems and controls
Page 1 of 443
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What can this firm do in the European Economic Area?
A ‘passport’ enables an authorised firm to provide financial products or services, set up a base, or run its permitted activities in another country in the European Economic Area (EEA). This includes where a firm regulated in another EEA country passports into the UK.
Select country
Country
AUSTRIA
Directive
Banking Consolidation Directive
Passport type
Service
* – additional MiFID services and activities subject to mutual recognition under the BCD
1 – Acceptance of deposits and other repayable funds from the public
11 – Portfolio management and advice
12 – Safekeeping and administration of securities
14 – Safe custody services
2 – Lending including consumer credit, mortgage credit, factoring and financing of commercial transactions
3 – Financial leasing
4 – Payment services as defined in Article 4(3) of Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market(*)
5 – Issuing and administering other means of payment (e.g. travellers’ cheques and bankers’ drafts) insofar as this activity is not covered by point 4
6 – Guarantees and commitments
7a – Trading for own account or for account of customers – money market instruments (cheques, bills, CDs etc)
7b – Trading for own account or for account of customers – foreign exchange
7c – Trading for own account or for account of customers – financial futures and options
7d – Trading for own account or for account of customers – exchange andy interest rate instruments
7e – Trading for own account or for account of customers – transferrable securities
8 – Participation in securities issues and the provision of services related to such issues
9 – Advice to undertakings on capital structure, industrial strategy and related questions and advice and services relating to mergers and the purchase of undertakings
Country
AUSTRIA
Directive
Markets in Financial Instruments Directive
Passport type
Service
A(1) Reception and transmission of orders in relation to one or more financial instruments
Investment Types
A(2) Execution of orders on behalf of clients
Investment Types
A(3) Dealing on own account
Investment Types
A(5) Investment advice
Investment Types
A(6) Underwriting of financial instruments and/or placing of financial instruments on a firm commitment basis
Investment Types
A(7) Placing of financial instruments without a firm commitment basis
Investment Types
B(1) Safekeeping and administration of financial instruments for the account of clients, including custodianship and related services such as cash/collateral management
Investment Types
B(2) Granting credits or loans to an investor to allow him to carry out a transaction in one or more financial instruments, where the firm granting the credit or loan is involved in the transaction
Investment Types
B(3) Advice to undertakings on capital structure, industrial strategy and related matters and advice and services relating to mergers and the purchase of undertakings
Investment Types
B(4) Foreign exchange services where these are connected to the provision of investment services
Investment Types
B(5) Investment research and financial analysis or other forms of general recommendation relating to transactions in financial instruments
Investment Types
B(6) Services related to underwriting
Investment Types
B(7) Investment services / activities / ancillary services of the type included in Sec. A/ B of Annex 1 related to the underlying of derivatives included under Sec. C – 5, 6, 7 and 10 – where connected to provision of investment or ancillary services
Investment Types
Who is this firm connected to?
This table lists the Appointed Representatives and Payment services / Electronic money agents connected with this firm. You can also see if they have Tied agent or EEA Tied agent status. In each case, the principal is generally responsible for the activities of its appointed representatives / agents.
Current
Showing 2 records
Name
Insurance Distribution
Tied Agent
EEA Tied Agent
Firm reference number
Effective from
Agricultural Mortgage Corporation Plc No No No 739643 23 Mar 2016
Lloyds Bank Commercial Finance Limited No No No 469785 01 Nov 2018
Previous
Showing 8 records of 142
Name
Insurance Distribution
Tied Agent
EEA Tied Agent
Firm reference number
Effective from
Effective to
1st Equity Ltd No No No 485639 02 Jul 2008 10 Nov 2010
A L Dalton Ltd No No No 453440 15 Jun 2006 24 Apr 2007
AAH Pharmaceuticals Limited No No No 196993 09 Oct 2001 18 May 2004
AAH Pharmaceuticals Limited No No No 196993 31 Oct 2004 31 Oct 2004
Alexander & Co Estate Agents Ltd No No No 470140 17 Sep 2007 30 Sep 2008
Alexander House Agencies Ltd No No No 486849 30 Jul 2008 11 Nov 2010
Alexander Mills Ltd Yes No No 464313 17 Sep 2007 15 Jan 2010
Alldirector.com Limited No No No 196610 03 Sep 2001 18 May 2004
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This table shows the former and current regulators of this firm, in the UK and in other European Economic Area (EEA) countries.
Regulator
Effective from
Effective to
Financial Conduct Authority 01 Apr 2013
Financial Services Authority 01 Dec 2001 31 Mar 2013
Personal Investment Authority 05 Mar 1999 30 Nov 2001
Prudential Regulation Authority 01 Apr 2013
Disciplinary and regulatory action
This section includes:
Supervisory, disciplinary and civil regulatory action (but not criminal action) the FCA and/or PRA has taken, has decided to take, or has proposed to take and considers appropriate to publish.
Civil penalties, including fines, that the FCA has imposed or has decided to impose.
Enforcement can take different forms such as fines or removal of authorised status, as laid out in the Financial Services and Markets Act 2000 (FSMA) or the Payment Services Directive (PSD). These will be noted in the column ‘Enforcement Type’ if relevant.
This section does not include:
action taken by other enforcement agencies, including the Police, Serious Fraud Office and the Competition and Markets Authority
action taken by foreign regulators
Date Type of Action Enforcement Type
05 Feb 2003
Fines
By a Final Notice dated 5 February 2003, the Governer and Company of the Bank of Scotland was fined £750,000 by the FSA. The fine was imposed as a result of the failure of its (…)
FSMA
12 Jan 2004
Fines
1. On 12 January 2004 the FSA imposed a financial penalty of £1,250,000 on The Governor and Company of the Bank of Scotland (“BoS”) for breaches of Rules 7.3.2 and 2.1.1 of (…)
FSMA
25 May 2011
Fines
On 25 May 2011 the FSA imposed a financial penalty of £3.5 million on Bank of Scotland Plc (“the Firm”, or “BOS”) for a breaches of Principle 3 (management and control) and (…)
FSMA
23 Mar 2012
Public censure
1.On 9 March 2012, the FSA issued a Final Notice to Bank of Scotland Plc (the “Firm”). This outlined the issuance of a public censure made pursuant to section 205 of the (…)
FSMA
19 Oct 2012
Fines
On 19 October 2012, the FSA issued a Final Notice to Bank of Scotland. This outlined: the imposition of a financial penalty of £4.2 million pursuant to s206 of the Financial (…)
FSMA
19 Feb 2013
Fines
On 15 February 2013 the FSA imposed a financial penalty of £4,315,000 on Lloyds TSB Bank Plc, Lloyds TSB Scotland Plc and Bank of Scotland Plc (together Lloyds Banking Group, (…)
FSMA
11 Dec 2013
Fines
On 10 December 2013 the FCA imposed a combined financial penalty of £28,038,800 on Lloyds TSB Bank plc and Bank of Scotland plc (the Firms) for breaching Principle 3 (…)
FSMA
28 Jul 2014
Fines
On 28 July 2014, the FCA imposed on Lloyds Bank plc and Bank of Scotland plc a financial penalty of £105,000,000 (split evenly between the two firms and discounted from (…)
FSMA
05 Jun 2015
Fines
On 4 June 2015, the Authority imposed a financial penalty of £117,430,600 on Lloyds Bank plc, Bank of Scotland plc and Black Horse Limited (“LBG”) for breaches of Principle 6 (…)
FSMA
21 Jun 2019
Fines
On 21 June 2019, the FCA has fined Bank of Scotland Plc (BOS). The reason for this action is because the Firm contravened Principle 11 (Relations with regulators) by failing to be open and cooperative in its (…)
FSMA
11 Jun 2020
Fines
The FCA has taken enforcement action against Lloyds Bank PLC, Bank of Scotland plc, and The Mortgage Business Plc (“the Banks”) because (…)