Michael Peter Hardy

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Where they hold approval

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

Key Retirement Solutions Limited
FRN 224987
- 21. Advising or arranging (bringing about) equity release transactions
- Appointed representative dealing with clients for which they require qualification (since 6 Jan 2020)
- [FCA CF] Functions requiring qualifications (9 Dec 2019 to 5 Jan 2020)
- CF1 Director (AR) (21 May 2014 to 9 Feb 2016)
HUB Financial Solutions Limited (no longer approved here)
FRN 455713
- CF30 Customer (25 Mar 2011 to 5 May 2014)
The Open Market Annuity Service Ltd (no longer approved here)
FRN 469018
- Employed By (25 Mar 2011 to 5 May 2014)
Kerr Henderson (Financial Services) Limited (no longer approved here)
FRN 125322
- CF30 Customer (17 Dec 2007 to 21 Mar 2011)
Kerr Henderson (Consultants and Actuaries) Ltd (no longer approved here)
FRN 188411
- Employed By (17 Dec 2007 to 21 Mar 2011)

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.