Paul Alfred Smith

Watch for changes

Where they hold approval

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

Acorn to Oaks Financial Services Ltd
FRN 486131
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- 21. Advising or arranging (bringing about) equity release transactions
- Appointed representative dealing with clients for which they require qualification (since 21 Jan 2026)
Coutts & Company (no longer approved here)
FRN 122287
- CF29 Significant management (17 Jan 2012 to 8 Jun 2015)
COUTTS FINANCE CO. (no longer approved here)
FRN 305968
- CF1 Director (17 Jan 2012 to 8 Jun 2015)

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.