Darren Terence Lloyd

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Where they hold approval

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

CREATION CONSUMER FINANCE LIMITED
FRN 311518
- [FCA CF] Significant management (since 7 Jan 2026)
Shop Direct Finance Company Limited (no longer approved here)
FRN 312190
- Responsible for Insurance Distribution (19 Sep 2023 to 28 Feb 2025)
- SMF3 Executive Director (19 Sep 2023 to 28 Feb 2025)
- [FCA CF] Significant management (9 Dec 2019 to 30 Jun 2023)

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.