Michael John Billington

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Where they hold approval

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

Fresh Start UK Debt Management Ltd
FRN 663122
- SMF16 Compliance Oversight (since 19 Mar 2021)
- SMF17 Money Laundering Reporting Officer (MLRO) (since 19 Mar 2021)
- SMF3 Executive Director (since 19 Mar 2021)
NCO Europe Limited (no longer approved here)
FRN 662151
- CF1 Director (8 Apr 2016 to 19 Feb 2018)

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.