Howard Enders

Watch for changes

Where they hold approval

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

ARDENT CREDIT SERVICES LIMITED
FRN 695106
- SMF3 Executive Director (since 4 Jan 2024)
ESTATE RESOLUTION TECHNOLOGIES (UK) LTD
FRN 977036
- SMF3 Executive Director (since 8 Jun 2023)
Phillips & Cohen Associates (UK) Limited
FRN 719200
- SMF3 Executive Director (since 9 Dec 2019)
- CF1 Director (29 Mar 2016 to 8 Dec 2019)

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.