The Financial Services Register, run by the Financial Conduct Authority at register.fca.org.uk, is the public record of firms, individuals and other bodies that are or have been authorised by the FCA or the Prudential Regulation Authority (PRA). In the UK almost every firm providing financial services has to be authorised or registered. Authorisation means meeting the FCA's standards and holding permission for specific products and services; registration carries requirements but no right to provide the regulated products and services that need authorisation.
For someone who needs the data, the Register is three lists in one. The firm list covers banks and lenders, insurers, investment, pension and mortgage firms, credit brokers, debt and claims management companies, payment and e-money institutions, and the appointed representatives that work under a principal. The individuals list holds approved persons and the directory of certified and assessed persons. The third list is the firms the FCA has been told are offering regulated services without authorisation or running scams, with the details they use and whether they pose as a genuine firm.
Former firms stay on the Register, so it can show whether a firm was authorised when a product was sold. The FCA Firm Checker, a consumer tool on the same records, shows less: no historic fines, no client money ability, no individuals.