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Protect Yourself from Scams: Use the FCA Firm Checker
With financial scams becoming increasingly sophisticated, it’s more important than ever to check who you are dealing with before handing over any money or personal information. One simple but powerful tool to help protect yourself is the FCA Firm Checker.
What is the FCA Firm Checker?
The Financial Conduct Authority (FCA) regulates financial services firms and individuals in the UK. The FCA Firm Checker allows you to search for and confirm whether a company or individual is authorised and regulated by the FCA.
Why is this important?
Scammers often pretend to be legitimate banks, investment firms, insurance providers, or financial advisers. They may use convincing websites, emails, or phone calls to gain your trust. Some even copy the details of genuine FCA-authorised firms — a tactic known as “cloning”.
Checking the FCA Firm Checker can help you:
- Confirm whether a firm is genuinely authorised
- Verify contact details such as phone numbers and email addresses
- Spot cloned or fake firms before you engage with them
- Avoid investment, pension, loan, or insurance scams
How to use the FCA Firm Checker
Using the tool is quick and free:
- Visit the FCA Firm Checker website
- Search by the firm’s name, reference number, or postcode
- Check that the contact details match those you’ve been given
Be cautious if anything looks different or doesn’t appear at all
If a firm claims to be FCA-authorised but does not appear on the register, or the contact details don’t match, stop and seek advice before proceeding.
Extra warning signs to look out for
Even if a firm appears on the register, be cautious if:
- You are pressured to act quickly
- You are contacted unexpectedly
- You are asked to move money urgently
- You are promised guaranteed or unusually high returns
These are common scam tactics.
What to do if you’re unsure
If something doesn’t feel right:
- Don’t share personal or financial details
- Don’t send money
- Take time to check and ask for advice
If you believe you’ve been targeted or affected by a scam, report it and seek support as soon as possible.
Stay informed, stay safe
Taking a few minutes to check the FCA Firm Checker could save you from significant financial and emotional distress. Sharing this information with friends, family, and your community can also help protect others from falling victim to scams.
