Karl Spreadbury

Watch for changes

Where they hold approval

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

White Rose Finance Group Limited
FRN 630772
- 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
- Appointed representative dealing with clients for which they require qualification (since 19 Nov 2024)
- [FCA CF] Functions requiring qualifications (since 19 Nov 2024)
Cignpost Advised Limited (no longer approved here)
FRN 304130
- [FCA CF] Functions requiring qualifications (11 Feb 2020 to 31 Jan 2025)

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.