John-Paul Harding

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Where they hold approval

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

Key Mortgage Advice Limited
FRN 312930
- 18. Administrative functions in relation to effecting or carrying out contracts of insurance which are life policies
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- [FCA CF] Functions requiring qualifications (since 4 Mar 2025)
Mortgage Advice Bureau (Derby) Limited (no longer approved here)
FRN 466154
- Appointed representative dealing with clients for which they require qualification (28 Jun 2024 to 28 Feb 2025)
RLUM Limited (no longer approved here)
FRN 144032
- CF30 Customer (16 Oct 2009 to 23 Jun 2010)

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.