Howard Howsam

Watch for changes

Where they hold approval

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

Temple Mortgages Limited (no longer approved here)
FRN 400079
- (4)Employed By (27 May 2005 to 31 Oct 2005)
Lighthouse Advisory Services Limited (no longer approved here)
FRN 195199
- CF21 Investment Adviser (1 Apr 2005 to 6 Jul 2007)
Lighthouse Financial Advice Limited (no longer approved here)
FRN 225502
- (231)Employed By (1 Apr 2005 to 6 Jul 2007)
P J Clifton Financial Services (no longer approved here)
FRN 121738
- CF22 Investment Adviser (Trainee) (4 Nov 2002 to 31 Jan 2003)

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.