Paul Smith

Watch for changes

Where they hold approval

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

Mortgage Advice Bureau (Derby) Limited
FRN 466154
- 21. Advising or arranging (bringing about) equity release transactions
- 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 24 Feb 2026)
Penn Financial Limited (no longer approved here)
FRN 927714
- [FCA CF] Functions requiring qualifications (1 Nov 2024 to 19 Jan 2026)
The Right Mortgage Limited (no longer approved here)
FRN 649443
- Appointed representative dealing with clients for which they require qualification (1 Jul 2021 to 12 Dec 2024)
TenetConnect Services Limited (no longer approved here)
FRN 150643
- CF30 Customer (1 Nov 2007 to 23 Mar 2009)
- CF21 Investment Adviser (28 Apr 2004 to 31 Oct 2007)

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.