Adam James Smith

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Where they hold approval

Firms where this individual holds — or has held — an FCA-approved role.

Xact Mortgages Ltd
FRN 446637
- Employed By (since 12 Mar 2026)
First Complete Limited
FRN 435779
- CF1 Director (AR) (since 27 Mar 2025)
Advance Mortgage Funding Limited
FRN 305008
- CF1 Director (AR) (since 3 Dec 2021)
Grange Mortgage and Protection Services Limited
FRN 429929
- (1)Employed By (since 3 Dec 2021)
Lloyds Bank PLC (no longer approved here)
FRN 119278
- CF22 Investment Adviser (Trainee) (18 Aug 2005 to 2 Jun 2006)

Updates to this individual's record on the FCA register.

No changes recorded yet.

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Senior staff at any authorised firm have to be approved by the FCA personally.
Approved individual: Someone the FCA has personally signed off to hold a senior role at an authorised firm — directors, compliance officers and similar. They're held accountable for the firm's conduct.
Controlled functions: The specific senior roles the FCA approves people to hold, like 'Compliance oversight' or 'Money laundering reporting'. Each approval is tied to a particular firm.
IRN: Individual Reference Number — the unique ID the FCA assigns to each approved person. It stays the same as they move between firms.

Information on this page is sourced from the official FCA register.