A simple, low-risk route to FCA-regulated activity
The Appointed Representative (AR) model is the most common way businesses work with ITC Compliance. It allows companies whose primary activity is not financial services to carry out regulated insurance and consumer credit activities under ITC’s FCA permissions, without becoming directly authorised by the Financial Conduct Authority.
As the FCA Principal Firm, ITC takes responsibility for regulatory compliance, oversight, and governance, enabling businesses to operate confidently in a regulated environment while focusing on their core commercial activities.
Why join the Appointed Representative network
Network support
When firms join the Appointed Representative network, they receive appropriate monitoring, support, and guidance. This includes a dedicated, expert account manager, a team of specialist compliance support advisors, a compliance monitoring plan, quality assurance programs, and even an array of horizon scanning activities that keep all firms abreast of FCA changes to mitigate potential risks.
Ongoing oversight
ITC offers a risk-based approach to oversight and auditing, designed based on extensive experience in working with firms and retailers. When auditing, ITC evaluates systems, processes, and governance, provides training support and development to ensure smoother integration, monitors financial promotions, and ensures the Consumer Duty is maintained throughout all processes.
Regulatory expertise
With regulatory environments shifting frequently, firms can save time by shifting regulatory responsibility to the experts at ITC. Organisations will avoid needing specialist compliance staff, and will have access to regular training and development systems for associates and compliance updates, resulting in a smoother and more efficient path into regulated activity.
ITC makes difficult compliance simple
As a network member, firms will benefit from ITC’s extensive regulatory expertise and business support. ITC sifts through regulations and provides simple systems, paperwork, and controls to firms, including monitoring potential future regulatory concerns.
Compliance confidence
Operate regulated activities with confidence under the oversight of an FCA-authorised Principal Firm.
Greater revenue opportunities
Offer insurance or finance products without the complexity of direct authorisation.
Lower cost & reduced liability
ITC handles regulatory capital, reporting, oversight, and training obligations — allowing brands to focus on sales and customer experience.
A proven partner
With decades of experience and a track record of supporting organisations large and small, ITC has the tools to meet specific regulatory needs and customer journeys.
Unique digital platform
ITC’s unique digital compliance tools fulfil FCA regulations and streamline processes for firms while ensuring customers are treated fairly.